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Side-by-Side Comparison|Updated March 2026

Pharmeasy HDFC Bank Credit Card vs Axis Bank Titanium Smart Traveler Credit Card

Detailed comparison of fees, rewards, benefits, and value to help you choose the right credit card for your spending pattern.

HDFC Bank

Pharmeasy HDFC Bank Credit Card

6.8/10
Annual Fee₹500
Base Rewards0.04%
NetworkVisa
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Axis Bank

Axis Bank Titanium Smart Traveler Credit Card

6.2/10
Annual Fee₹100
Base Rewards0.04000000000000001%
NetworkMastercard
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Feature-by-Feature Comparison

FeaturePharmeasy HDFC Bank Credit CardAxis Bank Titanium Smart Traveler Credit Card
Annual Fee₹500₹100
Joining Fee₹500₹250
Fee Waiver Spend₹70,000₹50,000
Base Reward Rate0.04%0.04000000000000001%
Reward CurrencyReward PointsEDGE Reward Points
NetworkVisaMastercard
Editor Rating6.8/106.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

Pharmeasy HDFC Bank Credit Card

  • 0% on Pharmeasy — 3000 pts/month

Axis Bank Titanium Smart Traveler Credit Card

  • 0% on International Spends
  • 0% on Domestic Travel (Hotels, Ai...

Pros & Cons

Pharmeasy HDFC Bank Credit Card

Pros

  • 5% cashback on Pharmeasy spends including medicines and healthcare products
  • Complimentary 6-month Pharmeasy Plus membership worth ₹999
  • Up to 50% discount on diagnostic tests and health check-ups
  • Low annual fee waiver threshold of ₹70,000 per year

Cons

  • No airport lounge access benefits
  • Low base reward rate of 1 point per ₹150 spent
  • Monthly reward point cap of 3,000 points on partner spends

Axis Bank Titanium Smart Traveler Credit Card

Pros

  • Accelerated 8X EDGE points on international transactions
  • 4X EDGE points on domestic travel bookings including flights and hotels
  • Extremely low annual fee of ₹100, waivable on ₹50,000 annual spend
  • 15% discount at over 4,000 partner restaurants via Dining Delights

Cons

  • No complimentary airport lounge access
  • Very low base reward rate of 0.2% on general spends
  • High interest rate of 46.78% p.a. if balance is not cleared

Our Verdict

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

Choose Pharmeasy HDFC Bank Credit Card if

High 5% value back on regular medicine and diagnostic requirements via Pharmeasy.

Choose Axis Bank Titanium Smart Traveler Credit Card if

Ideal for those who want a low-cost card that provides extra rewards on travel bookings and international spends.

Frequently Asked Questions

Which is better: Pharmeasy HDFC Bank Credit Card or Axis Bank Titanium Smart Traveler Credit Card?
Pharmeasy HDFC Bank Credit Card edges ahead overall with a stronger combination of rewards and value. However, Axis Bank Titanium Smart Traveler Credit Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Pharmeasy HDFC Bank Credit Card and Axis Bank Titanium Smart Traveler Credit Card?
Pharmeasy HDFC Bank Credit Card has an annual fee of ₹500, while Axis Bank Titanium Smart Traveler Credit Card has an annual fee of ₹100. Pharmeasy HDFC Bank Credit Card offers a fee waiver on ₹70,000 annual spend. Axis Bank Titanium Smart Traveler Credit Card offers a fee waiver on ₹50,000 annual spend.
Which card has better rewards: Pharmeasy HDFC Bank Credit Card or Axis Bank Titanium Smart Traveler Credit Card?
Pharmeasy HDFC Bank Credit Card offers a base reward rate of 0.04% with accelerated rewards on Pharmeasy. Axis Bank Titanium Smart Traveler Credit Card offers 0.04000000000000001% base rewards with bonuses on International Spends and Domestic Travel (Hotels, Ai.... The better choice depends on your primary spending categories.
Can I have both Pharmeasy HDFC Bank Credit Card and Axis Bank Titanium Smart Traveler Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Pharmeasy HDFC Bank Credit Card and Axis Bank Titanium Smart Traveler Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: Pharmeasy HDFC Bank Credit Card or Axis Bank Titanium Smart Traveler Credit Card?
For beginners, Axis Bank Titanium Smart Traveler Credit Card may be more approachable with a lower annual fee of ₹100. However, evaluate based on your expected spending pattern rather than fee alone.

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