HDFC Bank Platinum Edge Credit Card vs Paytm HDFC Bank Credit Card
Joining Fees
₹0
₹500
Editor's Rating
3.5
3.75
Key Features
- Renew the credit card’s membership for free by spending Rs 50,000 in a year
- Get 2 reward points for every Rs. 150 spends
- Redeem the points as cash back (100 points = Rs. 10) and use it to pay off outstanding balance
- Redeem the reward points for exciting gifts and air miles with the exclusive MyRewards catalogue, which is the HDFC Bank Credit Card Rewards program
- Avail 50% more reward points at premium restaurants
- Get a waiver of fuel surcharge of up to Rs. 250 in every billing cycle. Save up to Rs. 1800 a year (assuming spends of Rs. 6000 per month)
- Stay protected against unauthorized use of the card when shopping anywhere with the EMV Chip Card technology
- Zero liability on lost card after reporting the loss
- Avail up to 50 interest-free days from date of purchase
- Enjoy Revolving Credit at nominal interest rate
- 50 days of interest-free credit
- As a Milestone Benefit, avail up to Rs. 1200 cashback annually - 1% Cashback upon spending Rs.10,000 every month (Non-EMI, Non-Wallet and Non-Rental Spends)
- The First Year Fee will get waived upon spending Rs. 30,000 (Non-EMI spends) within the first 90 days. The Renewal Year Fee will get waived upon spending Rs. 50,000 (Non-EMI spends) in the 12 months period. Monthly fee will get waived off on retail spends of Rs. 5000 in a month (Non-EMI spends)
- Avail 3% Cashback on purchases on Paytm [Recharge + Utility + Movies + Mini App]
- Avail 2% Cashback on all other Select Paytm Spends
- Avail 1% Cashback on all other Retail Spends
- Enjoy up to 50 days of interest-free period
- Avail up to 4 complimentary add-on cards
- Zero Lost card liability
- Get 1% fuel surcharge waiver at fuel stations in India on transactions between Rs. 400 and Rs. Rs. 5,000
- Enjoy up to 20% discount on partnered restaurants via Dineout
Editor's Review
Pros
- Get 2 reward points for every Rs. 150 spends
- Redeem the points as cash back (100 points = Rs. 10) and use it to pay off outstanding balance
- Redeem the reward points for exciting gifts and air miles with the exclusive MyRewards catalogue, which is the HDFC Bank Credit Card Rewards program
Cons
- No movie benefits
- No golf benefits
- No international and domestic lounge access
Pros
- The card is most useful for those who use Paytm daily users of Paytm
- Decent cashback and offers on spends made with Paytm
- Enjoy up to 20% discount on partnered restaurants via Dineout
Cons
- No airport lounge access
- No rewards as such
- The cashback obtained on transactions other than the eligible category is relatively low at 1%
