Axis Bank Vistara Infinite Credit Card vs Paytm SBI Credit Card SELECT

• Complimentary Club Vistara Gold Membership: Enjoy the exclusive privileges of complimentary Club Vistara Gold Membership such as priority check-in, priority boarding, complimentary lounge access, additional baggage allowance, and priority baggage handling
• Accrue Club Vistara Points on every swipe: Earn 6 CV points on every spend of Rs. 200 and redeem for upgrades and award flights faster
• Get bonus CV Points and up to 4 complimentary Business Class tickets on achieving the milestone spends
• 2 Complimentary lounge access at selected domestic airports within India
• Get 6 complimentary rounds of golf at some of India’s  most picturesque destinations 
• Explore curated  experiences from across the world with Extraordinary weekends
• Avail 40% off, up to Rs. 1000, once per month at partnered restaurants with Axis Bank EazyDiner
• Get up to 15% off on Trident properties 
• Purchase Protection Cover up to to Rs. 1 lakh
• Cover up to USD 300 for the following: Loss Travel Documents, Delay of Check-in Baggage, Loss of Check-in Baggage
• On any transaction over Rs. 2,500, contact the Bank to convert a big credit card purchase into EMIs
• Fuel Transaction Surcharge- 1% of transaction amount (Refunded for fuel transactions between Rs. 400 and Rs. 4000)
• Surcharge on purchase or cancellation of Railway Tickets- As prescribed by IRCTC/Indian Railways

• Welcome Benefits of Paytm SBI Credit Card SELECT includes availing benefits up to Rs. 75,000 with a complimentary Paytm First Membership. You'll also get Rs. 750 as Cashback in Paytm Wallet. The Paytm First Membership will be given only upon the card activation by making a transaction with the card
• Get 5% Cashback on Paytm Mall, Movies and Travel
• Avail 2% Cashback on all other purchases on Paytm App
• On any other spends done offline and online stores, get 1% Cashback
• Percentage cashback will be earned in the form of Reward Points on minimum transaction size of Rs. 100 each that are automatically redeemed as Paytm Gift Voucher balance
• Stay protected with an extra layer of protection against cyber fraud with Cyber Fraud Insurance cover of Rs. 2,00,000
• Milestone Benefit: Obtain complimentary Paytm First Membership Voucher at renewal on achieving annual retail spends of Rs.1,00,000. The cardholder can get eligible for Milestone Gift Voucher of Rs. 2,000 and Rs. 4,000 after achieving annual milestone retail spends of Rs. 4,00,000 and Rs. 6,00,000 for the eligible year, respectively
• All eligible Paytm SBI Cardholders will be able to choose any one of the following electronic Gift Voucher (EGV) Options worth Rs. 2,000 and Rs. 4,000 Milestone Gift: Hush Puppies/Bata and Pantaloons
• Avail complimentary Priority Pass worth US $99 for the first two years of cardholder membership. Priority Pass Lounge Charges: Airport Lounge visits within India through the Priority Pass Program will be charged with a usage fee of $27 per visit + applicable taxes. Moreover, after exhausting the complimentary visits, every Airport Lounge visits outside India through the Priority Pass Program will be charged a usage fee of $27 per visit + applicable taxes
• Avail 4 complimentary domestic lounge visits (Restricted to 1 per quarter)

Pros

• Avail 40% off, up to Rs. 1000, once per month at partnered restaurants
• 2 Complimentary lounge access at selected domestic airports within India
• Get 6 complimentary rounds of golf at some of India’s  most picturesque destinations 

Cons

• High Annual Fee with no waiver option
• No extra points for spending on Vistara for flight bookings
• You’re tied to Club Vistara Points

Pros

• Get 1% Fuel Surcharge waiver for transactions between Rs. 500 and Rs. 4000. Maximum surcharge waiver of Rs. 250 per statement cycle, per credit card account
• Surcharges for Railway Tickets - Railway Counters: Rs. 30 + 2.5% of the transaction amount
• Surcharges for Railway Tickets(irctc.co.in ): 1% of the transaction amount plus all applicable taxes

Cons

• No complimentary Golf course access or classes