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Side-by-Side Comparison|Updated March 2026

Paytm HDFC Bank Select 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 Select Credit Card

7.8/10
Annual Fee₹1,000
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 Select Credit CardAxis Bank ACE Credit Card
Annual Fee₹1,000₹499
Joining Fee₹1,000₹499
Fee Waiver Spend₹1,50,000₹2,00,000
Base Reward Rate1%1%
Reward CurrencyCashPointCashback
NetworkVisaVisa
Editor Rating7.8/108.5/10
Forex Markup3.5%3.5%

Pros & Cons

Paytm HDFC Bank Select Credit Card

Pros

  • 5% CashPoints on Paytm spends including recharges, utility bills, and travel bookings.
  • 3% CashPoints on popular brands like Swiggy, Ajio, BigBasket, and Uber.
  • 8 complimentary domestic lounge visits per year (2 per quarter).
  • Quarterly milestone vouchers worth ₹500 on spending ₹50,000.

Cons

  • Monthly cashback caps on all categories (e.g., ₹1,500 for Paytm spends).
  • No rewards on fuel, wallet loads, rent, and EMI transactions.
  • High annual interest rate of 45% p.a.

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 Select Credit Card could be the better pick if its specific category strengths match your spending habits.

Choose Paytm HDFC Bank Select Credit Card if

Users who frequently pay utility bills, recharges, and book movies/travel through the Paytm app.

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 Select 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 Select 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 Select Credit Card and Axis Bank ACE Credit Card?
Paytm HDFC Bank Select Credit Card has an annual fee of ₹1,000, while Axis Bank ACE Credit Card has an annual fee of ₹499. Paytm HDFC Bank Select Credit Card offers a fee waiver on ₹1,50,000 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 Select Credit Card or Axis Bank ACE Credit Card?
Paytm HDFC Bank Select Credit Card offers a base reward rate of 1%. 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 Select 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 Select 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 Select Credit Card or Axis Bank ACE Credit Card?
For beginners, Axis Bank ACE Credit Card may be more approachable with a lower annual fee of ₹499. However, evaluate based on your expected spending pattern rather than fee alone.

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