HDFC Bank Platinum Edge Credit Card vs Axis Bank Select Credit Card

Joining Fees

₹0

₹3,000

Editor's Rating

3.5

4.5

Key Features

  • Renew the credit card’s membership for free by spending Rs 50,000 in a year
  • Get 2 reward points for every Rs. 150 spends
  • Redeem the points as cash back (100 points = Rs. 10) and use it to pay off outstanding balance
  • Redeem the reward points for exciting gifts and air miles with the exclusive MyRewards catalogue, which is the HDFC Bank Credit Card Rewards program
  • Avail 50% more reward points at premium restaurants
  • Get a waiver of fuel surcharge of up to Rs. 250 in every billing cycle. Save up to Rs. 1800 a year (assuming spends of Rs.  6000 per month)
  • Stay protected against unauthorized use of the card when shopping anywhere with the EMV Chip Card technology
  • Zero liability on lost card after reporting the loss
  • Avail up to 50 interest-free days from date of purchase
  • Enjoy Revolving Credit at nominal interest rate
  • 50 days of interest-free credit
  • Flat Rs. 500 off per month on minimum purchase of Rs. 3000 on Bigbasket mobile app/website. This is applicable once per month per user
  • Flat Rs. 200 off on Swiggy mobile app/website. Valid twice a month on minimum transaction of Rs. 1000 per order
  • 12 complimentary International Airport Lounge access via Priority Pass Membership
  • 2 complimentary domestic lounge visits per quarter on the spends of Rs. 50,000 in last 3 months
  • Do note that the Priority Pass will renew automatically when you have met Rs. 3 lakhs spends in preceding card anniversary year
  • 6 complimentary golf rounds per year. Unlock 6 additional visits by spending Rs. 3 lakhs annually
  • Annual benefits: Priority Pass Membership renewal on annual spend of 3 Lakh. Renewal of offers on BigBasket and Swiggy
  • Get 5000 EDGE points on spending Rs. 3 Lakhs in a card anniversary year
  • Complete annual fee waiver on spending Rs. 8 Lakhs in a card anniversary year
  • Get 10 Axis EDGE points on every Rs. 200 spends
  • Get 2X per  Rs. 200 on ‘Retail Shopping’ spends
  • Avail 2X EDGE REWARD Points up to cumulative transactions of Rs. 20,000 per month. For transactions done above Rs. 20,000 per months earn 10 EDGE REWARD Points
  • Explore curated experiences from across the world with Extraordinary Weekends
  • 1% fuel surcharge refund on fuel transactions between Rs. 400 and Rs. 4000 only. Maximum benefits up to Rs. 400 per month.
  • Rs. 800 off and more via Axis Bank Dining Delight Program with EazyDiner
  • Purchase protection up to Rs. 1 Lakh
  • Cumulative cover up to USD 500 for loss of travel documents, delay of check-in baggage, and loss of check-in baggage cover

Editor's Review

Pros

  • Get 2 reward points for every Rs. 150 spends
  • Redeem the points as cash back (100 points = Rs. 10) and use it to pay off outstanding balance
  • Redeem the reward points for exciting gifts and air miles with the exclusive MyRewards catalogue, which is the HDFC Bank Credit Card Rewards program

Cons

  • No movie benefits
  • No golf benefits
  • No international and domestic lounge access

Pros

  • Flat Rs. 500 off per month on minimum purchase of Rs. 3000 on Bigbasket mobile app/website
  • 12 complimentary International Airport Lounge access via Priority Pass Membership
  • 2 complimentary domestic lounge visits per quarter on the spends of Rs. 50,000 in last 3 months

Cons

  • High interest rate
  • High joining/renewal fee


More comparisions with HDFC Bank Platinum Edge Credit Card

More comparisions with Axis Bank Select Credit Card

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