HDFC Bank MoneyBack+ Credit Card vs Axis Bank Burgundy Private Credit Card

• Welcome/Renewal Benefit: Earn 500 Cash Points, this is applicable only on the payment of the membership fee
• Spend Rs. 50,000 or more in a year before the Credit Card renewal date and get the renewal fee waived off
• Get 10X CashPoints on Amazon, BigBasket, Flipkart, Reliance Smart SuperStore, and Swiggy
• Get 5X CashPoints on EMI spends at merchant locations
• Get 2 CashPoints per Rs. 150 spent on other spends 
• Earn 500 gift voucher on spends of Rs. 50,000 per calendar quarter
• Enjoy up to 20% discount on partnered restaurants via Swiggy Dineout
• Starting from January 1st, 2023, the maximum number of reward points that can be earned each month on grocery transactions will be limited to 1,000
• For Rupay Credit Cardholders, UPI spends will earn 2 RPs for every Rs. 150 spent. The reward points are capped at 500 per calendar month
• Zero lost Card liability 
• You can enjoy an interest-free period of up to 50 days from the date of your purchase
• Enjoy Revolving Credit at a nominal interest rate
• Enjoy amazing dining benefits with the Good Food Trail program 
• Get up to 20% off on all restaurant bills via Swiggy Dineout (20k+ restaurants). Offer includes both restaurant and Swiggy discount. Valid only on payments via the Swiggy App
• 1% Fuel Surcharge waiver on fuel transactions between Rs. 400 and Rs. 5,000
• Quarterly Spend-based benefit: Get a Rs. 500 gift voucher every quarter on spends of over Rs. 50,000. Earn up to Rs. 2,000 worth vouchers in a year
• Convert your big spends into EMI after purchase
• The card is enabled for contactless payments

• Avail 30,000 Welcome Edge Reward points on the first transaction
• Till payment due date, no cash withdrawal charges or interest levied 
• Complimentary EazyDiner Prime membership for savings up to 25% or more at fine dining restaurants
• Get unlimited lounge access at international airports for Priority Pass holders and add-on Priority Pass holders (12 visits for guests). Get unlimited lounge access at domestic airports for primary and add-on cardholders (12 visits for guests, per card)
• Complimentary hotel and dining memberships, including Club Marriott, Accor Plus, and Taj Epicure
• Diagnoses at leading medical institutions, and avail global travel and medical assistance during international travel

Pros

• Get 10X CashPoints on Amazon, BigBasket, Flipkart, Reliance Smart SuperStore, and Swiggy
• Get 5X CashPoints on EMI spends at merchant locations, and get 2 CashPoints per Rs. 150 spent on other spends 
• Earn 500 gift voucher on spends of Rs. 50,000 per calendar quarter

Cons

• No golf benefits are provided
• No airport lounge access

Pros

• 15 EDGE REWARD points for every Rs. 200 spent on the card
• Concierge Services
• 50 complimentary rounds of Golf per year
• Complimentary ticket on every ticket purchased for 5 movies and 5 non-movie shows, per month, on BookMyShow

Cons

• High Joining and Annual Fees
• No fuel surcharge wavier