Paytm HDFC Bank Mobile Credit Card vs Axis Bank Ace Credit Card

• Milestone Benefit: By spending Rs. 10,000 in 3 consecutive months (Non-EMI Spends and Non-Rental Spends) get upgraded to Paytm HDFC Bank Credit Card
• First Year Fee will get waived by spending Rs. 1,000 (Non-EMI spends) within the first 30 days
• Renewal Year Fee will get waived by spending Rs. 25,000 (Non-EMI spends) in the 12 months period
• Avail 2% Cashback on purchases on Paytm [Mall + Movies + Mini App]
• Avail 1% Cashback on all other Select Paytm Spends
• Avail 0.5% Cashback on all other retail transactions
• 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
• Obtain up to 50 days of interest free credit 
• Avail up to 20% discount on partner restaurants through Dineout

• Spend Rs. 2 lakh or more in a year to avail the annual fee waiver
• Get 5% cashback on bill payments, DTH recharge, and mobile recharges on Google Pay
• Get 4% cashback on Ola, Zomato, and Swiggy
• Get 1.5% cashback on all other spends
• 4 complimentary domestic airport lounge access per calendar year
• Avail a 1% fuel surcharge waiver on fuel purchases at all fuel stations in India. This is valid on transactions between Rs. 400 to Rs. 4000
• Get up to 15% off at 4000+ partnered restaurants in India
• Easily convert transactions of Rs. 2,500 or more into EMI

Pros

• By spending Rs. 10,000 in 3 consecutive months (Non-EMI Spends and Non-Rental Spends) get upgraded to Paytm HDFC Bank Credit Card
• Avail 2% Cashback on purchases on Paytm [Mall + Movies + Mini App]
• Avail 1% Cashback on all other Select Paytm Spends

Cons

• No golf benefits
• No fuel benefits
• No airport lounge access

Pros

• Get 5% cashback on bill payments, DTH recharge, and mobile recharges on Google Pay, and 4% cashback on Ola, Zomato, and Swiggy
• Get 1.5% cashback on all other spends
• 4 complimentary domestic airport lounge access per calendar year

Cons

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