HDFC Bank UPI RuPay Credit Card vs Paytm HDFC Bank Digital Credit Card

* Avail 3% Cashpoints on Groceries, SuperMarket & Dining spends & PayZapp transactions. The maximum points that can be earned in a calendar month is 500 Points
* Avail 2% Cashpoints on Utility spends. The maximum points that can be earned in a calendar month is 500 Points
* Avail 1% Cashpoints on other spends. The maximum points that can be earned in a calendar month is 500 Points
* Up to 50 days of interest free period on the HDFC Bank UPI RuPay Credit Card from the date of purchase
* Revolving Credit on HDFC Bank UPI RuPay Credit Card is at nominal interest rate
* In an annual year, before the Credit Card's renewal date, spend Rs. 25,000 or more and get renewal fee waived off from second year onwards

• First Year Fee will get waived off on retail spends of Rs. 1,500/1,000 in the first month
• In a calendar year, Renewal Year Fee will get waived off on retail spends of Rs. 25,000
• Avail 2% accelerated cashback on using the Scan & Pay feature on Paytm App - Select Merchants only
• Get 2% cashback on key accelerated categories - Swiggy and Uber
• Avail 1% cashback on all other Retail Spends including Paytm spends
• 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
• Get 1% fuel surcharge waived off on fuel transactions between Rs. 400 and  Rs. 5,000.
• Obtain up to 50 days of interest free credit 
• Enjoy No Cost & Low cost EMI options on your credit card

Pros

* Avail 3% Cashpoints on Groceries, SuperMarket & Dining spends & PayZapp transactions
* Avail 2% Cashpoints on Utility spends
* Avail 1% Cashpoints on other spends

Cons

* No Golf benefits
* No airport lounge access
* No fuel benefits

Pros

• Welcome Benefits
• Avail 2% accelerated cashback on using the Scan & Pay feature on Paytm App - Select Merchants only
• Get 2% cashback on key accelerated categories - Swiggy and Uber

Cons

• No golf benefits
• No discount on partner restaurants through Dineout
• No airport lounge access