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

• Avail 5% Cashback on purchases on Paytm [Recharge + Utility + Travel + Movies + Mini App]
• Avail 3% Cashback on Accelerated Categories such as Swiggy, AJIO, Big Basket & Uber
• Get 1% Cashback on all other retail transactions
• Obtain up to 50 days of interest free credit 
• Get up to 4 complimentary add-on cards
• 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
• 8 Complimentary access to Domestic Airport Lounges in India in a calendar year
• Get a 1% fuel surcharge waived on fuel transactions. This is applicable on minimum transactions of Rs. 400 and maximum transactions of Rs. 5,000 
• Milestone Benefit: Avail Gift Vouchers worth Rs.500 upon spending Rs. 50,000 every Calendar Quarter 
• The Paytm HDFC Bank Select Credit Card is designed to allow contactless payments
• Avail up to 20% discount on partner restaurants through Dineout

• Based on your spending patterns and payment behaviours over a period of time, the unique flexible spending limit will allow you to spend over and above the assigned credit card limit at no additional charge
• From second year onwards, Annual Fee Rs. 3000 will be waived on the achievement of spends threshold of Rs. 3 Lakhs in the preceding year 
• On any transactions above Rs. 2500, contact the bank to convert it into EMIs
• Air Accident Cover up to Rs. 2,50,00,000
• Purchase Protection up to Rs. 1,00,000
• Loss Travel Document cover/Delay  of check-in baggage cover up to 300 USD
• Complimentary access to airport lounges in India 
• With Priority Pass access over 700 VIP lounges in over 90 countries and  275 cities. Only the membership to the Priority Pass Program is complimentary
• 50% Cashback on movie tickets purchased through BookMyShow. Maximum Cashback in a calendar year is limited to Rs. 2000
• Discover unique  delectable cuisines with Axis  Bank Dining Delights that  offers  15% off at partnered restaurants in India 
• Fuel surcharge refund valid on transactions between Rs.  400 and Rs. 4000 only. Maximum benefits up to Rs. 400 per month
• Earn EDGE REWARD points for transactions and use them to redeem from 500+ rewards and offers
• Earn 10 points on Domestic spends for every Rs. 200
• Earn 20  points on International spends for every Rs. 200
• 100  points on  the first online transaction 

Pros

• 5% Cashback on purchases on Paytm [Recharge + Utility + Travel + Movies + Mini App]
• Avail 3% Cashback on Accelerated Categories such as Swiggy, AJIO, Big Basket & Uber
• 8 Complimentary access to Domestic Airport Lounges in India in a calendar year

Cons

• No rewards as such
• Get 1% Cashback on all other retail transactions
• Milestone benefits could have been made better

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