hdfc won't slap you with unnecessary charges. Even if they do they will reverse them. That's not the case with Axis. Also, Axis charges you for many things even if you get premium account with them. I'd recommend you to stay with hdfc.
I have a Regalia LTF with limit of 5L. monthly spends are 1.2 L. what's the best way to pay it so as to maximize benefits? Cred isn't that good anymore.