Paytm HDFC Bank Credit Card vs Axis Bank Select Credit Card

• As a Milestone Benefit, avail up to Rs. 1200 cashback annually - 1% Cashback upon spending Rs.10,000 every month (Non-EMI, Non-Wallet and Non-Rental Spends)
• The First Year Fee will get waived upon spending Rs. 30,000 (Non-EMI spends) within the first 90 days. The Renewal Year Fee will get waived upon spending Rs. 50,000 (Non-EMI spends) in the 12 months period. Monthly fee will get waived off on retail spends of Rs. 5000 in a month (Non-EMI spends)
• Avail 3% Cashback on purchases on Paytm [Recharge + Utility + Movies + Mini App]
• Avail 2% Cashback on all other Select Paytm Spends
• Avail 1% Cashback on all other Retail Spends
• Enjoy up to 50 days of interest-free period
• Avail up to 4 complimentary add-on cards    
• Zero Lost card liability 
• Get 1% fuel surcharge waiver at fuel stations in India on transactions between Rs. 400 and Rs. Rs. 5,000
• Enjoy up to 20% discount on partnered restaurants via Dineout

• 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

Pros

• The card is most useful for those who use Paytm daily users of Paytm
• Decent cashback and offers on spends made with Paytm
• Enjoy up to 20% discount on partnered restaurants via Dineout

Cons

• No airport lounge access
• No rewards as such
• The cashback obtained on transactions other than the eligible category is relatively low at 1%

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