AU Small Finance Bank Altura Credit Card vs Paytm HDFC Bank Select Credit Card

* Avail 2% Cashback on retail spends at Grocery stores, Departmental stores and Utility bill payments. The maximum cashback per statement cycle is Rs. 50
* Avail 1% Cashback on other retail spends. The maximum cashback per statement cycle is Rs. 50
* Milestone Benefit: Earn additional cashback of Rs. 50 on completing a minimum of Rs. 10,000 retail spends in every statement cycle
* Railway Lounges: Get 2 complimentary lounge access per calendar quarter, using VISA Card at railway stations in selected cities
* Enjoy 1% Fuel Surcharge Waiver for fuel transactions done between Rs. 400 and Rs. 5,000 at all fuel stations in India. Maximum Rs. 100 per statement cycle
* Card Liability Cover: If the Credit Card gets lost, you’ll have zero liability on any fraudulent transactions made using the card after reporting the loss to the bank. You’re even protected against Card Counterfeit/Skimming, and Online frauds
* Contactless Card
* Convert transactions worth Rs. 2,000 or more into easy EMI options on selected tenure chosen by you
* Avail Add on card that is free for lifetime

• Avail 5% Cashback on purchases on Paytm [Recharge + Utility + Travel + Movies + Mini App]
• Avail 3% Cashback on Accelerated Categories such as Swiggy, AJIO, Big Basket & Uber
• Get 1% Cashback on all other retail transactions
• Obtain up to 50 days of interest free credit 
• Get up to 4 complimentary add-on cards
• Utility Bill Payments: By registering the Credit Card with SmartPay, HDFC Bank's Utility Bill payment service, you can be ensured that all your utility bills will be paid on time easily and conveniently
• If your card is lost, by reporting it immediately to the bank's 24-hour call centre, you will have zero liability for any fraudulent transactions made on your card
• 8 Complimentary access to Domestic Airport Lounges in India in a calendar year
• Get a 1% fuel surcharge waived on fuel transactions. This is applicable on minimum transactions of Rs. 400 and maximum transactions of Rs. 5,000 
• Milestone Benefit: Avail Gift Vouchers worth Rs.500 upon spending Rs. 50,000 every Calendar Quarter 
• The Paytm HDFC Bank Select Credit Card is designed to allow contactless payments
• Avail up to 20% discount on partner restaurants through Dineout

Pros
* Complimentary railway lounge access
* Attractive welcome and milestone benefits
* Get up to 7% Cashback as an introductory offer

Cons
* No golf privileges
* No Airmiles
* No airport lounges benefits

Pros

• 5% Cashback on purchases on Paytm [Recharge + Utility + Travel + Movies + Mini App]
• Avail 3% Cashback on Accelerated Categories such as Swiggy, AJIO, Big Basket & Uber
• 8 Complimentary access to Domestic Airport Lounges in India in a calendar year

Cons

• No rewards as such
• Get 1% Cashback on all other retail transactions
• Milestone benefits could have been made better