Paytm HDFC Bank Digital Credit Card vs Airtel Axis Credit Card

• First Year Fee will get waived off on retail spends of Rs. 1,500/1,000 in the first month
• In a calendar year, Renewal Year Fee will get waived off on retail spends of Rs. 25,000
• Avail 2% accelerated cashback on using the Scan & Pay feature on Paytm App - Select Merchants only
• Get 2% cashback on key accelerated categories - Swiggy and Uber
• Avail 1% cashback on all other Retail Spends including Paytm spends
• Utility Bill Payments: By registering the Credit Card with SmartPay, HDFC Bank's Utility Bill payment service, you can be ensured that all your utility bills will be paid on time easily and conveniently
• If your card is lost, by reporting it immediately to the bank's 24-hour call centre, you will have zero liability for any fraudulent transactions made on your card
• Get 1% fuel surcharge waived off on fuel transactions between Rs. 400 and  Rs. 5,000.
• Obtain up to 50 days of interest free credit 
• Enjoy No Cost & Low cost EMI options on your credit card

• As a Welcome Benefit, get an Amazon eVoucher worth Rs 500 on the first transaction using the Airtel Axis credit card within 30 days of card issuance
• Earn 25% Cashback on Airtel Mobile, Broadband, DTH and WiFi bill Payments via Airtel Thanks app
• Earn 10% Cashback on Utility Bill Payments such as electricity, gas etc. via Airtel Thanks app
• Earn 10% Cashback on Swiggy, Zomato and BigBasket 
• Get 1% Cashback on all other spends
• 4 Complimentary lounge visits within India (4 Lounge access in a year) on minimum spends of Rs. 50,000 in previous 3 months
• 1% fuel surcharge waiver on fuel purchases at all fuel stations across India. This is valid on transactions between Rs. 400 to Rs. 4000
• Enjoy up to 15% off at partnered restaurants via EazyDiner
• Convert transactions of Rs. 2500 or more into easy EMI
• Get annual fee waived off on annual spends greater than Rs. 2,00,000

Pros

• Welcome Benefits
• Avail 2% accelerated cashback on using the Scan & Pay feature on Paytm App - Select Merchants only
• Get 2% cashback on key accelerated categories - Swiggy and Uber

Cons

• No golf benefits
• No discount on partner restaurants through Dineout
• No airport lounge access

Pros

• Earn 25% Cashback on Airtel Mobile, Broadband, DTH and WiFi bill Payments via Airtel Thanks app
• Earn 10% Cashback on Utility Bill Payments via Airtel Thanks app
• Earn 10% Cashback on Swiggy, Zomato and BigBasket

Cons

• No golf benefits
• No international airport lounge access / movie benefits