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Side-by-Side Comparison|Updated March 2026

Paytm HDFC Bank Select 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 Select Credit Card

7.8/10
Annual Fee₹1,000
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 Select Credit CardAxis Bank - Flipkart Axis Bank Credit Card
Annual Fee₹1,000₹500
Joining Fee₹1,000₹500
Fee Waiver Spend₹1,50,000₹3,50,000
Base Reward Rate1%1%
Reward CurrencyCashPointCashback
NetworkVisaVisa
Editor Rating7.8/107.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

Paytm HDFC Bank Select Credit Card

No accelerated rewards listed

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 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 - 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

Paytm HDFC Bank Select Credit Card edges ahead overall with a stronger combination of rewards and value. However, Axis Bank - Flipkart Axis Bank 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 - 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 Select Credit Card or Axis Bank - Flipkart Axis Bank Credit Card?
Paytm HDFC Bank Select Credit Card edges ahead overall with a stronger combination of rewards and value. However, Axis Bank - Flipkart Axis Bank 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 - Flipkart Axis Bank Credit Card?
Paytm HDFC Bank Select Credit Card has an annual fee of ₹1,000, while Axis Bank - Flipkart Axis Bank Credit Card has an annual fee of ₹500. Paytm HDFC Bank Select Credit Card offers a fee waiver on ₹1,50,000 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 Select Credit Card or Axis Bank - Flipkart Axis Bank Credit Card?
Paytm HDFC Bank Select Credit Card offers a base reward rate of 1%. 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 Select 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 Select 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 Select Credit Card or Axis Bank - Flipkart Axis Bank Credit Card?
For beginners, Axis Bank - Flipkart Axis Bank 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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