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Side-by-Side Comparison|Updated March 2026

Paytm HDFC Bank Digital 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 Digital Credit Card

7.2/10
Annual Fee₹149
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 Digital Credit CardAxis Bank - Flipkart Axis Bank Credit Card
Annual Fee₹149₹500
Joining Fee₹149₹500
Fee Waiver Spend₹25,000₹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 Digital Credit Card

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

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 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 - 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 Digital 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 Digital Credit Card if

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

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 Digital Credit Card or Axis Bank - Flipkart Axis Bank Credit Card?
Both Paytm HDFC Bank Digital 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 Digital Credit Card and Axis Bank - Flipkart Axis Bank Credit Card?
Paytm HDFC Bank Digital Credit Card has an annual fee of ₹149, while Axis Bank - Flipkart Axis Bank Credit Card has an annual fee of ₹500. Paytm HDFC Bank Digital Credit Card offers a fee waiver on ₹25,000 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 Digital Credit Card or Axis Bank - Flipkart Axis Bank 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 - 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 Digital 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 Digital 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 Digital Credit Card or Axis Bank - Flipkart Axis Bank 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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