Paytm SBI Credit Card SELECT vs Axis Bank Ace Credit Card

• Welcome Benefits of Paytm SBI Credit Card SELECT includes availing benefits up to Rs. 75,000 with a complimentary Paytm First Membership. You'll also get Rs. 750 as Cashback in Paytm Wallet. The Paytm First Membership will be given only upon the card activation by making a transaction with the card
• Get 5% Cashback on Paytm Mall, Movies and Travel
• Avail 2% Cashback on all other purchases on Paytm App
• On any other spends done offline and online stores, get 1% Cashback
• Percentage cashback will be earned in the form of Reward Points on minimum transaction size of Rs. 100 each that are automatically redeemed as Paytm Gift Voucher balance
• Stay protected with an extra layer of protection against cyber fraud with Cyber Fraud Insurance cover of Rs. 2,00,000
• Milestone Benefit: Obtain complimentary Paytm First Membership Voucher at renewal on achieving annual retail spends of Rs.1,00,000. The cardholder can get eligible for Milestone Gift Voucher of Rs. 2,000 and Rs. 4,000 after achieving annual milestone retail spends of Rs. 4,00,000 and Rs. 6,00,000 for the eligible year, respectively
• All eligible Paytm SBI Cardholders will be able to choose any one of the following electronic Gift Voucher (EGV) Options worth Rs. 2,000 and Rs. 4,000 Milestone Gift: Hush Puppies/Bata and Pantaloons
• Avail complimentary Priority Pass worth US $99 for the first two years of cardholder membership. Priority Pass Lounge Charges: Airport Lounge visits within India through the Priority Pass Program will be charged with a usage fee of $27 per visit + applicable taxes. Moreover, after exhausting the complimentary visits, every Airport Lounge visits outside India through the Priority Pass Program will be charged a usage fee of $27 per visit + applicable taxes
• Avail 4 complimentary domestic lounge visits (Restricted to 1 per quarter)

• 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

• Get 1% Fuel Surcharge waiver for transactions between Rs. 500 and Rs. 4000. Maximum surcharge waiver of Rs. 250 per statement cycle, per credit card account
• Surcharges for Railway Tickets - Railway Counters: Rs. 30 + 2.5% of the transaction amount
• Surcharges for Railway Tickets(irctc.co.in ): 1% of the transaction amount plus all applicable taxes

Cons

• No complimentary Golf course access or classes

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