HDFC Bank UPI RuPay Credit Card vs Paytm SBI Credit Card
Joining Fees
₹250
₹499
Editor's Rating
3.5
3.1
Key Features
* 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
- Welcome Benefits of Paytm SBI Credit Card includes availing benefits up to Rs. 75,000 with a complimentary Paytm First Membership. The Paytm First Membership will be given only upon the card activation by making a transaction with the card
- Get 3% Cashback on Paytm Mall, Movies and Travel
- Avail 2% Cashback on all other purchases on Paytm App
- Other spends across offline and online stores, get 1% Cashback
- Obtain complimentary Paytm First Membership Voucher at renewal on achieving annual retail spends of Rs.1,00,000
- Avail 1% fuel surcharge waiver on transactions between Rs. 500 to Rs. 3000. The maximum surcharge waiver per statement cycle is Rs. 100, per credit card
- The Paytm SBI Cardholders will be entitled to obtain insurance cover of Rs. 1,00,000 for financial loss due to fraudulent usage of a credit card. Do note that this is a unique feature availed for a card in its fee range
- Surcharges for Railway Tickets - Railway Counters: Rs. 30 + 2.5% of the transaction amount
- Surcharges for Railway Tickets(irctc.co.in ): 1% of transaction amount plus all applicable taxes
Editor's Review
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
- Complimentary Paytm First Membership
- Spends based Cashback Benefit Structure:
a. 3% Cashback on Travel, Movies and Mall purchases through Paytm app
b. 2% Cashback on other purchases through Paytm app
c. 1% Cashback everywhere else
- Complimentary Cyber Fraud Insurance cover of INR 1,00,000
Cons
- No complimentary airport lounge access
- No rewards facility
- No complimentary Golf course access or classes
