Paytm HDFC Bank Mobile Credit Card vs Flipkart Axis Bank 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

• Welcome Benefits: Rs. 600 worth of joining and activation benefits

• Welcome Benefits: Flipkart Axis Bank credit card comes with a host of welcome and activation benefits. Listed below are the brands associated with the benefits: Flipkart/Swiggy 

a. Avail Rs. 500 worth Flipkart vouchers on making first transaction with the card               

b. Avail 50% instant discount up to Rs. 100 on first Swiggy order

• Get unlimited 5% cashback on Flipkart and Cleartrip spends
• Get unlimited 4% Cashback on Preferred Merchants
• Get unlimited 1% Cashback on other eligible categories
• 4 complimentary lounge visits to select airport lounges within India per Calendar year
• 1% fuel surcharge waiver on all fuel transactions in India. This is applicable on transactions between Rs. 400 to Rs. 4000
• On any transaction over Rs. 2,500, convert the purchases into EMI
• Indulge in delectable cuisines up to 15% off, up to Rs. 500,  at partnered restaurants in India                               
• On Wednesdays, receive the following offers:

A. Instant savings of up to 15% on flights and hotels via Goibibo and Makemytrip

B. 10% off on orders via Swiggy and Amazon Fresh

C. 10% off up to Rs. 1000 on Tira

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

• Unlimited Cashback
• Complimentary Airport Lounge Access
• Card replacement fee (lost or stolen or re-issue): Waived

Cons

• Cashback will be in the form of Flipkart cash and only redeem on the Flipkart
• 3.5% foreign currency conversion fees
• No cash back on fuel spend, purchase of the gold item, EMI transaction and on gift cards