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Side-by-Side Comparison|Updated March 2026

Axis Bank Kwik 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 Kwik Credit Card

7.2/10
Annual FeeFree
Base Rewards0.04000000000000001%
NetworkRuPay
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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 Kwik Credit CardPaytm HDFC Bank Credit Card
Annual FeeFree₹500
Joining FeeFree₹500
Fee Waiver SpendN/A₹50,000
Base Reward Rate0.04000000000000001%1%
Reward CurrencyEDGE Reward PointsCashpoints
NetworkRuPayVisa
Editor Rating7.2/107.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

Axis Bank Kwik Credit Card

  • 0% on Scan & Pay via Kiwi

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 Kwik Credit Card

Pros

  • Lifetime free card with zero joining and annual fees
  • Seamless UPI integration via the RuPay network and Kiwi app
  • Instant virtual card issuance upon approval
  • 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000

Cons

  • No airport lounge access or travel-specific perks
  • Low base reward rate of 0.2% (2 EDGE points per ₹200)
  • No rewards on UPI transactions below ₹2,000

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

Both Axis Bank Kwik Credit Card and Paytm HDFC Bank Credit Card are strong options. Your choice should depend on your spending pattern and which card's rewards align better with your lifestyle.

Choose Axis Bank Kwik Credit Card if

Ideal for users who prefer UPI for small to medium merchant payments and want a virtual-first experience.

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 Kwik Credit Card or Paytm HDFC Bank Credit Card?
Both Axis Bank Kwik Credit Card and Paytm HDFC Bank Credit Card are strong options. Your choice should depend on your spending pattern and which card's rewards align better with your lifestyle.
What is the annual fee difference between Axis Bank Kwik Credit Card and Paytm HDFC Bank Credit Card?
Axis Bank Kwik Credit Card has no annual fee, 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 Kwik Credit Card or Paytm HDFC Bank Credit Card?
Axis Bank Kwik Credit Card offers a base reward rate of 0.04000000000000001% with accelerated rewards on Scan & Pay via Kiwi. 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 Kwik Credit Card and Paytm HDFC Bank Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Axis Bank Kwik 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 Kwik Credit Card or Paytm HDFC Bank Credit Card?
For beginners, Axis Bank Kwik Credit Card may be more approachable with no annual fee. However, evaluate based on your expected spending pattern rather than fee alone.

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