Flipkart Axis Bank Credit Card vs IDFC FIRST Millennia Credit Card
How Flipkart Axis Bank Credit Card and IDFC FIRST Millennia Credit Card compare on fees, rewards and eligibility — verified as of June 2026.
By NexMaxo Editorial Team · Terms verified June 2026
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Quick take
IDFC FIRST Millennia Credit Card is lifetime-free, while Flipkart Axis Bank Credit Card carries a fee (₹500 + GST (waived on ₹3.5L annual spend)). If you won't reliably hit Flipkart Axis Bank Credit Card's waiver spend, IDFC FIRST Millennia Credit Card is the cheaper card to keep.
Flipkart Axis Bank Credit Card — better for flipkart and myntra shoppers who also use swiggy, uber and pvr.
IDFC FIRST Millennia Credit Card — better for a no-fee everyday rewards card with points that never expire.
Side by side
| Flipkart Axis Bank Credit CardAxis Bank | IDFC FIRST Millennia Credit CardIDFC FIRST Bank | |
|---|---|---|
| Annual fee | ₹500 + GST (waived on ₹3.5L annual spend) | Nil — lifetime-free |
| Reward rate | 5% Flipkart/Cleartrip, 7.5% Myntra (capped); 4% partners; 1% else | 3X ≤₹20k/mo; 10X >₹20k/mo & birthday (1 pt = ₹0.25); never expire |
| Lifetime-free | No | Yes |
| Network | Mastercard | Visa / RuPay |
| Eligibility | 18–70 yrs; ≈₹15,000+/mo (aggregator-sourced) | Approx 21–65 yrs; ≈₹25,000+/mo (aggregator-sourced) |
| Best for | Flipkart and Myntra shoppers who also use Swiggy, Uber and PVR. | A no-fee everyday rewards card with points that never expire. |
Flipkart Axis Bank Credit Card
- 5% cashback on Flipkart & Cleartrip, 7.5% on Myntra (each cap ₹4,000/quarter)
- 4% unlimited on Swiggy, Uber, PVR & Cult.fit; 1% on other eligible spends
- Annual fee waived on ₹3.5L annual spend
IDFC FIRST Millennia Credit Card
- Lifetime-free — ₹0 joining and ₹0 annual fee, no spend conditions
- 3X points up to ₹20k/mo spend, 10X above ₹20k/mo and on birthdays (1 pt = ₹0.25)
- Reward points never expire
Flipkart Axis Bank Credit Card vs IDFC FIRST Millennia Credit Card — FAQs
Neither is universally better. Flipkart Axis Bank Credit Card suits flipkart and myntra shoppers who also use swiggy, uber and pvr. IDFC FIRST Millennia Credit Card suits a no-fee everyday rewards card with points that never expire. Compare the annual fee and reward rate above against your own spending — that's what decides it.
IDFC FIRST Millennia Credit Card is lifetime-free, while Flipkart Axis Bank Credit Card carries a fee (₹500 + GST (waived on ₹3.5L annual spend)). If you won't reliably hit Flipkart Axis Bank Credit Card's waiver spend, IDFC FIRST Millennia Credit Card is the cheaper card to keep. On rewards, Flipkart Axis Bank Credit Card gives 5% on flipkart & cleartrip, 7.5% on myntra, 4% on swiggy/uber/pvr/cult.fit. whereas IDFC FIRST Millennia Credit Card gives up to 10x reward points, points that never expire — and no annual fee, ever.
IDFC FIRST Millennia Credit Card is lifetime-free (no fee, ever), while Flipkart Axis Bank Credit Card charges ₹500 + GST (waived on ₹3.5L annual spend) (waivable on spend).
This is an informational comparison, not financial advice. Card terms change often — confirm current fees, rewards and eligibility on each issuer's official page before applying. Pay your bill in full to avoid interest.