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Side-by-Side Comparison|Updated March 2026

Paytm HDFC Bank Business Credit Card vs Axis Bank Easy Gold Credit Card

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

HDFC Bank

Paytm HDFC Bank Business Credit Card

7.2/10
Annual Fee₹500
Base Rewards1%
NetworkVisa
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Axis Bank

Axis Bank Easy Gold Credit Card

5.5/10
Annual Fee₹100
Base Rewards0.2%
NetworkVisa
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Feature-by-Feature Comparison

FeaturePaytm HDFC Bank Business Credit CardAxis Bank Easy Gold Credit Card
Annual Fee₹500₹100
Joining Fee₹500Free
Fee Waiver Spend₹50,000₹50,000
Base Reward Rate1%0.2%
Reward CurrencyCashPointsEDGE Reward Points
NetworkVisaVisa
Editor Rating7.2/105.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

Paytm HDFC Bank Business Credit Card

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

Axis Bank Easy Gold Credit Card

No accelerated rewards listed

Pros & Cons

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

Axis Bank Easy Gold Credit Card

Pros

  • Guaranteed approval against a Fixed Deposit of ₹20,000 or more.
  • No income documentation or credit score check required for issuance.
  • Very low annual fee of ₹100, which is waived on annual spends of ₹50,000.
  • Earn EDGE Reward points on both domestic and international transactions.

Cons

  • Extremely low reward rate of 0.2% on domestic spends.
  • No premium benefits like airport lounge access or movie discounts.
  • Requires locking up liquidity in a Fixed Deposit to maintain the card.

Our Verdict

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

Choose Paytm HDFC Bank Business Credit Card if

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

Choose Axis Bank Easy Gold Credit Card if

Ideal for individuals with no credit history or a low score looking to build their CIBIL profile.

Frequently Asked Questions

Which is better: Paytm HDFC Bank Business Credit Card or Axis Bank Easy Gold Credit Card?
Paytm HDFC Bank Business Credit Card edges ahead overall with a stronger combination of rewards and value. However, Axis Bank Easy Gold Credit Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Paytm HDFC Bank Business Credit Card and Axis Bank Easy Gold Credit Card?
Paytm HDFC Bank Business Credit Card has an annual fee of ₹500, while Axis Bank Easy Gold Credit Card has an annual fee of ₹100. Paytm HDFC Bank Business Credit Card offers a fee waiver on ₹50,000 annual spend. Axis Bank Easy Gold Credit Card offers a fee waiver on ₹50,000 annual spend.
Which card has better rewards: Paytm HDFC Bank Business Credit Card or Axis Bank Easy Gold Credit Card?
Paytm HDFC Bank Business Credit Card offers a base reward rate of 1% with accelerated rewards on Paytm Recharge, Utility, Mo... and Other Paytm Spends. Axis Bank Easy Gold Credit Card offers 0.2% base rewards. The better choice depends on your primary spending categories.
Can I have both Paytm HDFC Bank Business Credit Card and Axis Bank Easy Gold Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Paytm HDFC Bank Business Credit Card and Axis Bank Easy Gold Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: Paytm HDFC Bank Business Credit Card or Axis Bank Easy Gold Credit Card?
For beginners, Axis Bank Easy Gold Credit Card may be more approachable with a lower annual fee of ₹100. However, evaluate based on your expected spending pattern rather than fee alone.

Explore More

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