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Side-by-Side Comparison|Updated March 2026

Paytm HDFC Bank Digital Credit Card vs Axis Bank ACE 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 Digital Credit Card

7.2/10
Annual Fee₹149
Base Rewards1%
NetworkVisa
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Axis Bank

Axis Bank ACE Credit Card

8.5/10
Annual Fee₹499
Base Rewards1%
NetworkVisa
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Feature-by-Feature Comparison

FeaturePaytm HDFC Bank Digital Credit CardAxis Bank ACE Credit Card
Annual Fee₹149₹499
Joining Fee₹149₹499
Fee Waiver Spend₹25,000₹2,00,000
Base Reward Rate1%1%
Reward CurrencyCashPointsCashback
NetworkVisaVisa
Editor Rating7.2/108.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

Paytm HDFC Bank Digital Credit Card

  • 0% on Paytm Scan & Pay
  • 0% on Swiggy
  • 0% on Uber

Axis Bank ACE Credit Card

No accelerated rewards listed

Pros & Cons

Paytm HDFC Bank Digital Credit Card

Pros

  • 2% CashPoints on Scan & Pay via Paytm app and Swiggy/Uber spends.
  • High reward value of 1:1 when redeemed against statement balance.
  • Low annual fee of ₹149 with an easy waiver at ₹25,000 annual spend.
  • Welcome benefit of 150 CashPoints on initial transactions covers the joining fee.

Cons

  • Monthly reward caps are relatively low (₹250-₹500 per category).
  • No airport lounge access or travel-specific benefits.
  • High interest rate of 45% per annum if balance is not cleared.

Axis Bank ACE Credit Card

Pros

  • 5% cashback on utility bills and recharges via Google Pay (Android only)
  • 4% cashback on Swiggy, Zomato, and Ola with no individual merchant capping
  • Flat 1.5% uncapped cashback on all other eligible spends
  • Complimentary domestic lounge access (4 visits per year)

Cons

  • Combined monthly capping of ₹500 on 5% and 4% cashback categories
  • Lounge access requires a minimum spend of ₹50,000 in the previous 3 months
  • 5% utility cashback is restricted to Google Pay on Android devices

Our Verdict

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

Choose Paytm HDFC Bank Digital Credit Card if

Ideal for those who frequently use Paytm for Scan & Pay and utility payments.

Choose Axis Bank ACE Credit Card if

Highest cashback rate in the market for electricity, gas, and internet bills via GPay.

Frequently Asked Questions

Which is better: Paytm HDFC Bank Digital Credit Card or Axis Bank ACE Credit Card?
Axis Bank ACE Credit Card edges ahead overall with a stronger combination of rewards and value. However, Paytm HDFC Bank Digital 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 Digital Credit Card and Axis Bank ACE Credit Card?
Paytm HDFC Bank Digital Credit Card has an annual fee of ₹149, while Axis Bank ACE Credit Card has an annual fee of ₹499. Paytm HDFC Bank Digital Credit Card offers a fee waiver on ₹25,000 annual spend. Axis Bank ACE Credit Card offers a fee waiver on ₹2,00,000 annual spend.
Which card has better rewards: Paytm HDFC Bank Digital Credit Card or Axis Bank ACE Credit Card?
Paytm HDFC Bank Digital Credit Card offers a base reward rate of 1% with accelerated rewards on Paytm Scan & Pay and Swiggy. Axis Bank ACE Credit Card offers 1% base rewards. The better choice depends on your primary spending categories.
Can I have both Paytm HDFC Bank Digital Credit Card and Axis Bank ACE Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Paytm HDFC Bank Digital Credit Card and Axis Bank ACE Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: Paytm HDFC Bank Digital Credit Card or Axis Bank ACE Credit Card?
For beginners, Paytm HDFC Bank Digital Credit Card may be more approachable with a lower annual fee of ₹149. However, evaluate based on your expected spending pattern rather than fee alone.

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