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Side-by-Side Comparison|Updated March 2026

Paytm HDFC Bank Business Credit Card vs Axis Bank - Flipkart Axis Bank 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 - Flipkart Axis Bank Credit Card

7.2/10
Annual Fee₹500
Base Rewards1%
NetworkVisa
View Full Details

Feature-by-Feature Comparison

FeaturePaytm HDFC Bank Business Credit CardAxis Bank - Flipkart Axis Bank Credit Card
Annual Fee₹500₹500
Joining Fee₹500₹500
Fee Waiver Spend₹50,000₹3,50,000
Base Reward Rate1%1%
Reward CurrencyCashPointsCashback
NetworkVisaVisa
Editor Rating7.2/107.2/10
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 - Flipkart Axis Bank Credit Card

  • 0% on Myntra — 4000 pts/month
  • 0% on Flipkart — 4000 pts/month
  • 0% on Cleartrip — 4000 pts/month
  • 0% on Preferred Merchants (Swiggy...

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 - Flipkart Axis Bank Credit Card

Pros

  • 7.5% cashback on Myntra spends (capped at ₹4,000 per quarter)
  • 5% cashback on Flipkart and Cleartrip (capped at ₹4,000 per quarter each)
  • Unlimited 4% cashback on preferred partners like Swiggy, Uber, PVR, and Cult.fit
  • Unlimited 1% cashback on all other eligible spends with no minimum transaction value

Cons

  • Complimentary domestic airport lounge access has been discontinued since June 2025
  • High annual fee waiver threshold of ₹3.5 lakh compared to other entry-level cards
  • Cashback exclusions include fuel, wallet loads, rent, insurance, and utilities

Our Verdict

Both Paytm HDFC Bank Business Credit Card and Axis Bank - Flipkart Axis 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 Paytm HDFC Bank Business Credit Card if

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

Choose Axis Bank - Flipkart Axis Bank Credit Card if

High cashback rates on these platforms make it the best choice for frequent shoppers.

Frequently Asked Questions

Which is better: Paytm HDFC Bank Business Credit Card or Axis Bank - Flipkart Axis Bank Credit Card?
Both Paytm HDFC Bank Business Credit Card and Axis Bank - Flipkart Axis 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 Paytm HDFC Bank Business Credit Card and Axis Bank - Flipkart Axis Bank Credit Card?
Paytm HDFC Bank Business Credit Card has an annual fee of ₹500, while Axis Bank - Flipkart Axis Bank Credit Card has an annual fee of ₹500. Paytm HDFC Bank Business Credit Card offers a fee waiver on ₹50,000 annual spend. Axis Bank - Flipkart Axis Bank Credit Card offers a fee waiver on ₹3,50,000 annual spend.
Which card has better rewards: Paytm HDFC Bank Business Credit Card or Axis Bank - Flipkart Axis Bank 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 - Flipkart Axis Bank Credit Card offers 1% base rewards with bonuses on Myntra and Flipkart. The better choice depends on your primary spending categories.
Can I have both Paytm HDFC Bank Business Credit Card and Axis Bank - Flipkart Axis Bank 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 - Flipkart Axis Bank 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 - Flipkart Axis Bank 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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