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Side-by-Side Comparison|Updated March 2026

Axis Bank Visa Infinite Credit Card vs Paytm HDFC Bank Business 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 Visa Infinite Credit Card

7/10
Annual Fee₹30,000
Base Rewards0.6000000000000001%
NetworkVisa
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HDFC Bank

Paytm HDFC Bank Business Credit Card

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

FeatureAxis Bank Visa Infinite Credit CardPaytm HDFC Bank Business Credit Card
Annual Fee₹30,000₹500
Joining Fee₹30,000₹500
Fee Waiver SpendN/A₹50,000
Base Reward Rate0.6000000000000001%1%
Reward CurrencyEDGE Reward PointsCashPoints
NetworkVisaVisa
Editor Rating7/107.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

Axis Bank Visa Infinite Credit Card

  • 1.2% on TRAVEL

Paytm HDFC Bank Business Credit Card

  • 0% on Paytm Recharge, Utility, Mo... — 500 pts/month
  • 0% on Other Paytm Spends — 500 pts/month

Pros & Cons

Axis Bank Visa Infinite Credit Card

Pros

  • Unlimited domestic lounge access for both primary and add-on cardholders
  • Complimentary 6 golf rounds per year at premier golf courses in India
  • Comprehensive insurance cover including air accident cover up to ₹4.5 Crores
  • Dedicated 24/7 Concierge services for travel and lifestyle assistance

Cons

  • High annual fee of ₹30,000 with no clearly defined spend-based waiver
  • Low reward earn rate (0.6% domestic) compared to other super-premium cards
  • Reward points value is relatively low at ₹0.20 per point for most redemptions

Paytm HDFC Bank Business Credit Card

Pros

  • 3% cashback on Paytm ecosystem including recharges, utilities, and movies
  • 1:1 redemption ratio (1 CashPoint = ₹1) when used for statement credit
  • Low annual fee waiver threshold of ₹50,000
  • Complimentary Paytm First Membership upon card activation

Cons

  • Monthly reward caps are relatively low (₹500 for 3% category)
  • No complimentary airport lounge access
  • Excludes rent and education spends from reward accrual

Our Verdict

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

Choose Axis Bank Visa Infinite Credit Card if

Individuals seeking premium lifestyle privileges, unlimited domestic lounge access, and golf benefits.

Choose Paytm HDFC Bank Business Credit Card if

Strong rewards on recurring business expenses like utility bills and recharges via Paytm.

Frequently Asked Questions

Which is better: Axis Bank Visa Infinite Credit Card or Paytm HDFC Bank Business Credit Card?
Paytm HDFC Bank Business Credit Card edges ahead overall with a stronger combination of rewards and value. However, Axis Bank Visa Infinite 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 Visa Infinite Credit Card and Paytm HDFC Bank Business Credit Card?
Axis Bank Visa Infinite Credit Card has an annual fee of ₹30,000, while Paytm HDFC Bank Business Credit Card has an annual fee of ₹500. Paytm HDFC Bank Business Credit Card offers a fee waiver on ₹50,000 annual spend.
Which card has better rewards: Axis Bank Visa Infinite Credit Card or Paytm HDFC Bank Business Credit Card?
Axis Bank Visa Infinite Credit Card offers a base reward rate of 0.6000000000000001% with accelerated rewards on TRAVEL. Paytm HDFC Bank Business Credit Card offers 1% base rewards with bonuses on Paytm Recharge, Utility, Mo... and Other Paytm Spends. The better choice depends on your primary spending categories.
Can I have both Axis Bank Visa Infinite Credit Card and Paytm HDFC Bank Business Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Axis Bank Visa Infinite Credit Card and Paytm HDFC Bank Business Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: Axis Bank Visa Infinite Credit Card or Paytm HDFC Bank Business Credit Card?
For beginners, Paytm HDFC Bank Business 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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