HDFC Bank Freedom Credit Card vs Paytm HDFC Bank Select Credit Card

Joining Fees

₹500

₹1,000

Editor's Rating

4.3

3.75

Key Features

  • Get 10X CashPoints on your favourite merchants such as Big Basket, BookMyshow, OYO, Swiggy, and Uber. Do note a maximum of 2,500 CashPoints can be earned in a calendar month 
  • Get 5X CashPoints on EMI spends at merchant locations. Do note a maximum of 2,500 CashPoints can be earned in a calendar month 
  • Earn 1 CashPoint for every Rs. 150  on other spends  
  • Get up to 20% discount on partnered restaurants via Swiggy Dineout
  •  Rupay Credit Cardholders can earn 1 RP for every Rs. 150 spent on UPI transactions. The reward points are capped at 500 per calendar month
  • Zero lost Card liability 
  • Avail up to 50 days of interest-free period
  • Enjoy Revolving Credit at a nominal interest rate
  • Enjoy amazing dining benefits with the Good Food Trail program
  • Get up to 20% savings on all restaurant bill payments via Swiggy Dineout, which consists of 20k + restaurants, and the offer is inclusive of Restaurant and Swiggy Discount. This offer is valid only on payments done via the Swiggy App
  • 1% Fuel Surcharge waiver on fuel transactions. This is applicable for minimum transaction of Rs. 400 and maximum transaction of Rs. 5,000
  • Get 500 CashPoints- this is applicable only on payment of membership fee
  • Get the renewal membership fee waived by spending Rs. 50,000 and above in an annual year
  • Convert your big spends into EMI after purchase
  • The Credit Card is enabled for contactless payments
  • Spend Rs. 50,000 or more in a year, before the Credit Card renewal date to get renewal fee waived off 
  • 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

Editor's Review

Pros

  • Get 10X CashPoints on your favourite merchants such as Big Basket, BookMyshow, OYO, Swiggy, and Uber
  • Get 5X CashPoints on EMI spends at merchant locations, and 1 CashPoint for every Rs. 150  on other spends  
  •  Rupay Credit Cardholders can earn 1 RP for every Rs. 150 spent on UPI transactions

Cons

  • No golf benefits are provided
  • No international and domestic airport lounge access
  • No rewards

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


More comparisions with HDFC Bank Freedom Credit Card

More comparisions with Paytm HDFC Bank Select Credit Card

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