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Side-by-Side Comparison|Updated March 2026

Axis Bank Aura Credit Card vs Paytm HDFC Bank Credit Card

Detailed comparison of fees, rewards, benefits, and value to help you choose the right credit card for your spending pattern.

Axis Bank

Axis Bank Aura Credit Card

7.2/10
Annual Fee₹749
Base Rewards0.2%
NetworkVisa
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HDFC Bank

Paytm HDFC Bank Credit Card

7.2/10
Annual Fee₹500
Base Rewards1%
NetworkVisa
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Feature-by-Feature Comparison

FeatureAxis Bank Aura Credit CardPaytm HDFC Bank Credit Card
Annual Fee₹749₹500
Joining Fee₹749₹500
Fee Waiver SpendN/A₹50,000
Base Reward Rate0.2%1%
Reward CurrencyEDGE Reward PointsCashpoints
NetworkVisaVisa
Editor Rating7.2/107.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

Axis Bank Aura Credit Card

  • 0% on Insurance

Paytm HDFC Bank Credit Card

  • 0% on Paytm Recharges, Utilities,... — 500 pts/month
  • 0% on Other Paytm Spends — 500 pts/month

Pros & Cons

Axis Bank Aura Credit Card

Pros

  • 4 complimentary video doctor consultations per month via Practo.
  • 4 free interactive video fitness sessions and 16 recorded sessions per month via Fitternity.
  • 5X accelerated EDGE reward points on insurance spends (up to ₹10,000 transaction).
  • Annual discount of up to ₹500 on health checkups via IndushealthPlus.

Cons

  • No annual fee waiver based on spending milestones.
  • Low base reward rate of 0.2% (2 points per ₹200 spent).
  • No complimentary domestic or international airport lounge access.

Paytm HDFC Bank Credit Card

Pros

  • 3% cashback on Paytm app for recharges, utility bills, and movies.
  • 2% cashback on all other spends within the Paytm ecosystem.
  • 1% flat cashback on all other retail transactions.
  • Joining fee waiver on spending ₹30,000 within the first 90 days.

Cons

  • Monthly cashback caps (₹500 for 3% and 2% categories) limit high-value savings.
  • No complimentary airport lounge access in the base variant.
  • ₹50 redemption fee applicable for statement credit requests.

Our Verdict

Paytm HDFC Bank Credit Card edges ahead overall with a stronger combination of rewards and value. However, Axis Bank Aura Credit Card could be the better pick if its specific category strengths match your spending habits.

Choose Axis Bank Aura Credit Card if

Offers significant value through free doctor consultations and fitness sessions that outweigh the annual fee.

Choose Paytm HDFC Bank Credit Card if

Ideal for those who use Paytm for all utility bills, recharges, and movie bookings to maximize the 3% tier.

Frequently Asked Questions

Which is better: Axis Bank Aura Credit Card or Paytm HDFC Bank Credit Card?
Paytm HDFC Bank Credit Card edges ahead overall with a stronger combination of rewards and value. However, Axis Bank Aura Credit Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Axis Bank Aura Credit Card and Paytm HDFC Bank Credit Card?
Axis Bank Aura Credit Card has an annual fee of ₹749, while Paytm HDFC Bank Credit Card has an annual fee of ₹500. Paytm HDFC Bank Credit Card offers a fee waiver on ₹50,000 annual spend.
Which card has better rewards: Axis Bank Aura Credit Card or Paytm HDFC Bank Credit Card?
Axis Bank Aura Credit Card offers a base reward rate of 0.2% with accelerated rewards on Insurance. Paytm HDFC Bank Credit Card offers 1% base rewards with bonuses on Paytm Recharges, Utilities,... and Other Paytm Spends. The better choice depends on your primary spending categories.
Can I have both Axis Bank Aura Credit Card and Paytm HDFC Bank Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Axis Bank Aura Credit Card and Paytm HDFC Bank Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: Axis Bank Aura Credit Card or Paytm HDFC Bank Credit Card?
For beginners, Paytm HDFC Bank Credit Card may be more approachable with a lower annual fee of ₹500. However, evaluate based on your expected spending pattern rather than fee alone.

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