Axis Priority + SELECT CC vs Kotak Privy + Air+ CC for ₹1.75–1.80L monthly salary – which would you choose?

Hi everyone,
My employer is offering a salary account with either:
**Option 1: Axis Bank**
Axis Priority Salary Account
Complimentary Axis SELECT Credit Card
**Option 2: Kotak Mahindra Bank**
Kotak Privy Salary Account
Complimentary Kotak Air+ Credit Card
My monthly in-hand salary is around **₹1.75–1.80 lakh** (CTC \~₹22 lakh).
A few points:
I already use multiple cashback/rewards cards for specific categories, so the complimentary card won’t necessarily be my primary spending card.
Looking for the better overall banking relationship, service quality, app experience, benefits, and long-term value.
Future needs may include investments, home loan, and wealth management services.
For those who have experience with either bank:
Which salary account would you choose and why?
How has your service experience been with Axis Priority vs Kotak Privy?
Is Axis SELECT meaningfully better than Kotak Air+?
Any hidden charges, downsides, or things I should know before choosing?
Would appreciate real-world experiences and recommendations.
Thanks!