HDFC Bharat Credit Card vs Paytm HDFC Bank Select Credit Card
Joining Fees
₹500
₹1,000
Editor's Rating
3.3
3.75
Key Features
- Get 5% monthly cashback by booking tickets through IRCTC
- On Fuel expenses, enjoy savings with 5% monthly cashback
- Get 1% surcharge waiver and save up to Rs. 250 in every billing cycle (Min transaction of Rs. 400)
- On Groceries spends, enjoy savings with 5% monthly cashback
- Enjoy savings with 5% monthly cashback on Bill Payment and Mobile recharge
- Get 5% monthly cashback on spends on PayZapp/EasyEMI/SmartBUY
- Avail up to 50 interest-free days from date of purchase
- Get Revolving Credit at Nominal interest rate
- Save annually up to Rs 3,600 by simply using the HDFC Bank Bharat credit card
- 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 1% surcharge waiver and save upto Rs. 250 in every billing cycle (Min transaction of Rs. 400)
- Get 5% monthly cashback on spends on PayZapp/EasyEMI/SmartBUY
- Avail up to 50 interest-free days from date of purchase
Cons
- No Lounge Access
- No Golf benefits
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
