Axis Bank ACE Credit Card VS Paytm HDFC Bank Credit Card
Both Axis Bank ACE Credit Card and Paytm HDFC Bank Credit Card suit shopping-focused spenders, but they earn and cost differently. Axis Bank ACE Credit Card costs ₹499 + GST and earns up to 5% cashback on utilities via GPay, 4% on Swiggy/Zomato/Ola, and 1.5% on other spends. Paytm HDFC Bank Credit Card costs ₹500 + GST and earns up to 3% on Paytm, 2% on select Paytm, 1% on other retail spends. Axis Bank ACE Credit Card also brings 4 complimentary lounge visits per calendar year at select domestic airports, while Paytm HDFC Bank Credit Card counters with paytm First Membership, offering exclusive benefits from partnered brands and additional offers. If shopping spending matters more, go with Axis Bank ACE Credit Card; if utilities is the priority, Paytm HDFC Bank Credit Card fits better.
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
Axis Bank ACE Credit Card
Paytm HDFC Bank Credit Card
Who is it for?
Who is it for?
Pros
Key benefits and features.
High cashback rates: 5% on Google Pay bills/recharges and 4% on Swiggy, Zomato, Ola.
Includes 4 complimentary domestic airport lounge accesses, rare for entry-level cards.
No maximum capping on the regular 1.5% cashback earned on all other spends.
Annual fee of ₹499 is easily waived off on an annual expenditure of ₹2,00,000.
Pros
Key benefits and features.
Highly beneficial for frequent Paytm users, offering enhanced cashback rates on app transactions.
Provides up to 50 days of interest-free credit, allowing greater financial flexibility on purchases.
Includes Zero Cost Card Liability, protecting against fraudulent transactions if reported promptly.
Offers decent cashback and promotions on spends made within the extensive Paytm ecosystem.
Cons
Key drawbacks and limitations.
No cashback on specific categories like fuel, wallet reloads, EMIs, gold items, and cash advances.
The accelerated 5% cashback on Google Pay is exclusively valid on the Android application.
Cashback earned at non-partner merchants (excluding key platforms) is a standard 1.5%.
Cons
Key drawbacks and limitations.
Lacks complimentary lounge access, which might be a drawback for frequent travelers.
The cashback rate for transactions outside the Paytm ecosystem is a relatively low 1%.
Cashback benefits are excluded for key categories such as fuel, wallet reloads, and rental payments.