Paytm HDFC Bank Credit Card vs Axis Bank Signature Credit Card with Lifestyle Benefits

• 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

• If Signature Credit card with Lifestyle Benefits is obtained by invitation then the joining fee is Rs. 3000
• Annual fee waived upon spending Rs. 3 lakh in the preceding year
• 50% cashback on movie tickets purchased through BookMyShow
• Flexible Spending Limit
• Visa Offers Complimentary Airport Lounge Access within India 
• Complimentary Priority Pass membership
• On transactions over Rs. 2500, convert the purchases into EMIs
• Avail up to Rs. 2.5 crore for Air Accident Cover
• Get 15% off on dining bills at partnered restaurants in India 
• Avail Fuel Surcharge Waiver that’s valid on transactions between Rs. 400 and Rs. 4000
• Get 10 Reward Points per Rs. 200 spent domestically
• Get 20 Reward Points on every Rs. 200 spent internationally on 
• On the first online transaction get 100 Points 

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

• Avail Gift Vouchers from top brands
• Earn 10/20 points for every Rs. 200 spent on Domestic/International spends
• Obtain Air Accident Insurance Cover 

Cons       

• The joining fee is Rs. 5000, which's higher than Axis Bank Privilege Credit Card