Side-by-side · honest numbers
Axis Bank Flipkart Credit Card vs ICICI Bank Emeralde Private Metal Credit Card vs IDFC FIRST Millennia Credit Card
Honest side-by-side comparison of Axis Bank Flipkart Credit Card, ICICI Bank Emeralde Private Metal Credit Card, IDFC FIRST Millennia Credit Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
At a glance (moderate spend)
Quick verdict: On moderate spend, Axis Bank Flipkart Credit Card ranks first for estimated net annual value — ahead of IDFC FIRST Millennia Credit Card by about ₹1,248/yr.
| Feature | Axis Bank Flipkart Credit Card Axis Bank | ICICI Bank Emeralde Private Metal Credit Card ICICI Bank | IDFC FIRST Millennia Credit Card IDFC FIRST Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹500 | ₹12,000 | Lifetime free |
| Fee waiver threshold | Waived at ₹2,00,000/yr spend | No waiver published | Lifetime free |
| Min income | ₹25,000/mo | ₹1,00,000/mo | ₹20,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹5,960/yr | -₹8,952/yr | ₹4,712/yr |
| Online shopping | 5% cashback → ₹200/mo (₹2,400/yr) (cap hit) | — | 3% cashback → ₹300/mo (₹3,600/yr) |
| Travel | — | 6 pts per ₹150 spend → ₹80/mo (₹960/yr) | — |
| Top reward rate | 5% | 4X reward points | 3% |
| Primary reward cap | ₹4,000 eligible spend/mo | No monthly cap published | ₹1,000 rewards/mo cap |
| Perks & restrictions | |||
| Lounge access | None | Unlimited domestic & international lounge access · No minimum spend required for lounge access | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Earns: 3% on online; 0.5% on other eligible spends · cap ₹1,000/month online cashback cap |
| Key exclusions | EMI · Fuel · Rent · Wallet · Insurance | EMI · Fuel · Rent · Wallet | EMI · Rent |
| Bonuses | |||
| Signup bonus | ₹500 | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- IDFC FIRST Millennia Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).
- Which card earns more on moderate spend?
- Axis Bank Flipkart Credit Card leads with an estimated ₹5,960/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- IDFC FIRST Millennia Credit Card lists a minimum monthly income of ₹20,000.
- Does this comparison pull my credit score?
- No. CardHungry estimates net value from public fee and reward rules only — no bureau check.
Customize your spend
Change spend profile or swap cards — results update live below.
Axis Bank Flipkart Credit Card
Axis Bank
ICICI Bank Emeralde Private Metal Credit Card
ICICI Bank
IDFC FIRST Millennia Credit Card
IDFC FIRST Bank
Your adjusted comparison
| Feature | Axis BankGold Axis Bank Flipkart Credit Card •••• •••• •••• 4242 Quick facts Axis Bank Flipkart Credit Card Top reward5% Annual fee₹500 Min income₹25,000/mo Tap to flip back Axis Bank Flipkart Credit Card Axis Bank | ICICI BankMetal ICICI Bank Emeralde Private Metal Credit Card •••• •••• •••• 4242 Quick facts ICICI Bank Emeralde Private Metal Credit Card Top reward4X reward points Annual fee₹12,000 Min income₹1,00,000/mo Tap to flip back ICICI Bank Emeralde Private Metal Credit Card ICICI Bank | IDFC FIRST BankGold IDFC FIRST Millennia Credit Card •••• •••• •••• 4242 Quick facts IDFC FIRST Millennia Credit Card Top reward3% Annual feeLifetime Free Min income₹20,000/mo Tap to flip back IDFC FIRST Millennia Credit Card IDFC FIRST Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹500 | ₹12,000 | Lifetime free |
| Fee waiver threshold | Waived at ₹2,00,000/yr spend | No waiver published | Lifetime free |
| Min income | ₹25,000/mo | ₹1,00,000/mo | ₹20,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹5,960/yr | -₹8,952/yr | ₹4,712/yr |
| Online shopping | 5% cashback → ₹200/mo (₹2,400/yr) (cap hit) | — | 3% cashback → ₹300/mo (₹3,600/yr) |
| Travel | — | 6 pts per ₹150 spend → ₹80/mo (₹960/yr) | — |
| Top reward rate | 5% | 4X reward points | 3% |
| Primary reward cap | ₹4,000 eligible spend/mo | No monthly cap published | ₹1,000 rewards/mo cap |
| Perks & restrictions | |||
| Lounge access | None | Unlimited domestic & international lounge access · No minimum spend required for lounge access | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Earns: 3% on online; 0.5% on other eligible spends · cap ₹1,000/month online cashback cap |
| Key exclusions | EMI · Fuel · Rent · Wallet · Insurance | EMI · Fuel · Rent · Wallet | EMI · Rent |
| Bonuses | |||
| Signup bonus | ₹500 | — | — |
Share this comparison
https://cardhungry.com/in/en/compare/axis-flipkart-vs-icici-emeralde-vs-idfc-first-millenniaMore Axis Bank Flipkart Credit Card comparisons
- Axis Bank Flipkart Credit Card vs 811 Dream Different Credit Card
- Axis Bank Flipkart Credit Card vs AU Altura Credit Card
- Axis Bank Flipkart Credit Card vs AU Zenith Credit Card
- Axis Bank Flipkart Credit Card vs American Express Gold Card
- Axis Bank Flipkart Credit Card vs American Express Platinum Travel Card
- Axis Bank Flipkart Credit Card vs American Express SmartEarn Credit Card
- Axis Bank Flipkart Credit Card vs Amex Membership Rewards CC
- Axis Bank Flipkart Credit Card vs Axis Bank ACE Credit Card
- Axis Bank Flipkart Credit Card vs Axis Bank Airtel Credit Card
- Axis Bank Flipkart Credit Card vs Axis Bank Atlas Credit Card
- Axis Bank Flipkart Credit Card vs Axis Bank Magnus Credit Card
- Axis Bank Flipkart Credit Card vs Axis Bank My Zone Credit Card