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Side-by-Side Comparison|Updated March 2026

Axis Bank Signature Credit Card vs Pharmeasy 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 Signature Credit Card

7.5/10
Annual Fee₹5,000
Base Rewards1%
NetworkVisa
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HDFC Bank

Pharmeasy HDFC Bank Credit Card

6.8/10
Annual Fee₹500
Base Rewards0.04%
NetworkVisa
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Feature-by-Feature Comparison

FeatureAxis Bank Signature Credit CardPharmeasy HDFC Bank Credit Card
Annual Fee₹5,000₹500
Joining Fee₹5,000₹500
Fee Waiver Spend₹3,00,000₹70,000
Base Reward Rate1%0.04%
Reward CurrencyEDGE REWARD PointsReward Points
NetworkVisaVisa
Editor Rating7.5/106.8/10
Forex Markup3.5%3.5%

Accelerated Rewards

Axis Bank Signature Credit Card

  • 2% on TRAVEL

Pharmeasy HDFC Bank Credit Card

  • 0% on Pharmeasy — 3000 pts/month

Pros & Cons

Axis Bank Signature Credit Card

Pros

  • High reward rate of 10 EDGE points per ₹200 spent on domestic transactions
  • Accelerated 2x rewards (20 points per ₹200) on all international spends
  • Substantial 50% discount on movie tickets via BookMyShow (up to ₹300 per month)
  • Comprehensive travel insurance including ₹2.5 Crore Air Accident Cover

Cons

  • High annual fee of ₹5,000 with a relatively high waiver threshold of ₹3 Lakhs
  • International lounge visits are not complimentary by default on the Priority Pass
  • Reward point value is relatively low at ₹0.20 per point compared to competitors

Pharmeasy HDFC Bank Credit Card

Pros

  • 5% cashback on Pharmeasy spends including medicines and healthcare products
  • Complimentary 6-month Pharmeasy Plus membership worth ₹999
  • Up to 50% discount on diagnostic tests and health check-ups
  • Low annual fee waiver threshold of ₹70,000 per year

Cons

  • No airport lounge access benefits
  • Low base reward rate of 1 point per ₹150 spent
  • Monthly reward point cap of 3,000 points on partner spends

Our Verdict

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

Choose Axis Bank Signature Credit Card if

Users who travel internationally and can benefit from the 2x reward multiplier and insurance covers.

Choose Pharmeasy HDFC Bank Credit Card if

High 5% value back on regular medicine and diagnostic requirements via Pharmeasy.

Frequently Asked Questions

Which is better: Axis Bank Signature Credit Card or Pharmeasy HDFC Bank Credit Card?
Axis Bank Signature Credit Card edges ahead overall with a stronger combination of rewards and value. However, Pharmeasy HDFC Bank 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 Signature Credit Card and Pharmeasy HDFC Bank Credit Card?
Axis Bank Signature Credit Card has an annual fee of ₹5,000, while Pharmeasy HDFC Bank Credit Card has an annual fee of ₹500. Axis Bank Signature Credit Card offers a fee waiver on ₹3,00,000 annual spend. Pharmeasy HDFC Bank Credit Card offers a fee waiver on ₹70,000 annual spend.
Which card has better rewards: Axis Bank Signature Credit Card or Pharmeasy HDFC Bank Credit Card?
Axis Bank Signature Credit Card offers a base reward rate of 1% with accelerated rewards on TRAVEL. Pharmeasy HDFC Bank Credit Card offers 0.04% base rewards with bonuses on Pharmeasy. The better choice depends on your primary spending categories.
Can I have both Axis Bank Signature Credit Card and Pharmeasy HDFC Bank Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Axis Bank Signature Credit Card and Pharmeasy HDFC Bank Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: Axis Bank Signature Credit Card or Pharmeasy HDFC Bank Credit Card?
For beginners, Pharmeasy 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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