Check below for a comparison between Flipkart Axis Bank credit card vs Paytm HDFC credit card or Paytm HDFC credit card vs Flipkart Axis Bank credit card and find which is better –
In the dynamic landscape of credit cards tailored for the digital era, the comparison between the Flipkart Axis Bank Credit Card and the Paytm HDFC Credit Card stands as a pivotal decision for modern consumers.
The Flipkart Axis Bank Credit Card, born from a collaboration between Axis Bank and the popular e-commerce platform, offers exclusive benefits, including cashback and rewards specifically tailored for transactions on Flipkart.
In contrast, the Paytm HDFC Credit Card aligns with the digital payment ecosystem, providing cashback and rewards on Paytm transactions and associated spending.
This comprehensive analysis delves into the distinctive features of each card, guiding users to make an informed decision based on their specific digital spending patterns, preferences, and lifestyle choices.
Whether you prioritize specialized benefits for online shopping or seek rewards within the Paytm ecosystem, understanding the nuanced attributes of these credit cards will lead you towards the one that seamlessly aligns with your financial goals and digital lifestyle.
Table of Contents
Overview of Flipkart Axis Bank credit card
Axis Bank’s Flipkart Axis Bank Credit Card stands out as an exceptional cashback card, granting users a remarkable 5% cashback on transactions made at Flipkart and Myntra, and 1.5% cashback on all other expenses.
Whether you’re purchasing daily essentials, clothing, electronics, books, or indulging in festive shopping, the Flipkart Axis Bank Credit Card guarantees you an instant 5% cashback on Flipkart transactions.
The card also offers boosted cashback at well-known merchants like Swiggy, PVR, Uber, Tata Play, Cleartrip, and cult.fit, alongside advantageous perks for travel, dining, and fuel.
Overview of Paytm HDFC credit card
Embracing customers with the distinctive Paytm First Membership, this card grants users access to exclusive perks and promotions within the Paytm app.
Cardholders stand to receive a cashback of 2%-3% on transactions made through the Paytm app and 1% on all other expenses conducted outside the Paytm ecosystem.
Additionally, meeting specific spending targets can result in earning an extra cashback of up to Rs. 1,200 per year. Concerning its cost, the card involves an annual fee of Rs. 500.
Flipkart Axis Bank credit card vs Paytm HDFC credit card
| Features/Charges | Flipkart Axis Bank credit card | Paytm HDFC Credit Card |
|---|---|---|
| Joining Fees | Rs. 500 + Taxes | Rs. 49 + Taxes |
| Annual Fees | Rs. 500 + Taxes | Rs. 49 + Taxes |
| Welcome Benefits | Acquire Flipkart vouchers worth Rs. 500 along with a 15% cashback, capped at Rs. 500, on Myntra transactions. | Gain a 3% cashback on Paytm Mall, Paytm Movies, and Mini App transactions, along with a 2% cashback on other Paytm app purchases. For all other expenses made with this credit card, enjoy a 1% cashback. |
| Cashback / Rewards point | Enjoy a 5% cashback on purchases made on Flipkart and Myntra, coupled with a 1.5% cashback on retail spending. | Receive a 3% cashback on Paytm Mall, Paytm Movies, and the Mini App, and enjoy a 2% cashback on various purchases made within the Paytm app. For all other expenditures using this credit card, you’ll earn a 1% cashback. |
| Dining benefits | Receive a 20% discount at partner restaurants with the Axis Bank card through the ‘Dining Delights’ program. | Avail yourself of discounts of up to 20%. |
| Travel benefits | Avail yourself of four complimentary visits at domestic airports each year with the use of this card. | N/A |
| Annual fees waiver | Enjoy an annual fee exemption upon reaching a spending threshold of 2 Lakhs with this card. | Spending Rs. 5,000 or more in a month waives off the monthly fee of Rs. 50. |
| Fuel surcharge waiver | Enjoy a 1% fuel surcharge exemption at every fuel pump across India with this card. | All fuel transactions enjoy an exemption from the 1% fuel surcharge |
