American Express PAYBACK® Credit Card vs Axis Bank Cashback Credit Card

• Earn multiple Points from more than 50 PAYBACK partners and 2 PAYBACK Points from American Express PAYBACK Credit Card for every Rs. 100 spent
• Milestone Benefits: Avail Flipkart vouchers worth Rs. 7,000 on spending Rs. 2.5 Lakh in a Card-membership year. Earn a Flipkart voucher worth Rs 2,000 on spending Rs. 1.25 Lakh in a Card-membership year. Additionally, earn a Flipkart voucher worth Rs. 5,000 on spending Rs. 2.5 Lakh in a Card-membership year
• Earn 2 PAYBACK Points for every Rs. 100 spent except for spend on Fuel, Insurance, Utilities, Cash Transactions and EMI conversion at Point of Sale. Boost the PAYBACK Points while shopping at over 50 PAYBACK partner brands
• The NEW American Express PAYBACK Credit Card provides a range of other exciting offers and privileges too. Other exciting offers are available on Fuel, Dining, Limited liability for card loss, Contactless Payment

• Welcome Benefits include getting EDGE Reward points worth Rs. 1000 upon first transaction within 30 days of card issuance
• Get up to 7% cashback on online spends. Spending more will enable you to unlock higher cashback
• Get up to Rs. 4,000 per statement month
• Monthly net spends are split into below brackets:

A. Avail 2% cashback for spends up to Rs. 5000

B. Avail 5% cashback for spends more than Rs. 5000 and less or equal to Rs. 40,000

C. Avail 7% cashback on spends more than Rs. 40,000

• Get unlimited base cashback of 0.75% on all offline and travel related spends
• Avail 0.5% cashback up to Rs. 100 on utilities bill payments
• Spend Rs. 4,00,000 and above in an anniversart year to be eligible for annual fee waiver
• Enjoy exceotional dining experiences at to resturants acree India with Axis Bank Dining Delights Program
• Cashback gets credited before next statement with no mininmum account requirement

Pros

• Get rewarded on all your spends
• Reasonable Joining Fees

Cons

• No Fuel Surcharge Wavier
• No complimentary Airport Lounge Access

Pros

• Get up to 7% cashback on online spends
• Base cashback on utility spends
• Enjoy exceotional dining experiences at to resturants acree India with Axis Bank Dining Delights Program

Cons

• Minimal cashback on offline spends
• No airport lounge access
• No fuel surcharge waiver