HDFC Bank Platinum Edge Credit Card vs Paytm HDFC Bank Mobile Credit Card
Joining Fees
₹0
₹149
Editor's Rating
3.5
2.25
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
- Milestone Benefit: By spending Rs. 10,000 in 3 consecutive months (Non-EMI Spends and Non-Rental Spends) get upgraded to Paytm HDFC Bank Credit Card
- First Year Fee will get waived by spending Rs. 1,000 (Non-EMI spends) within the first 30 days
- Renewal Year Fee will get waived by spending Rs. 25,000 (Non-EMI spends) in the 12 months period
- Avail 2% Cashback on purchases on Paytm [Mall + Movies + Mini App]
- Avail 1% Cashback on all other Select Paytm Spends
- Avail 0.5% Cashback on all other retail transactions
- 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
- Obtain up to 50 days of interest free credit
- Avail up to 20% discount on partner restaurants through 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
- By spending Rs. 10,000 in 3 consecutive months (Non-EMI Spends and Non-Rental Spends) get upgraded to Paytm HDFC Bank Credit Card
- Avail 2% Cashback on purchases on Paytm [Mall + Movies + Mini App]
- Avail 1% Cashback on all other Select Paytm Spends
Cons
- No golf benefits
- No fuel benefits
- No airport lounge access
