Compare HDFC Business MoneyBack Credit Card vs Paytm HDFC Bank Mobile Credit Card

Gain 2X Reward Points, 4 Reward Points, on every Rs. 150 spent online
Avail 2 Reward Points on all other retail spends, excluding wallet, EMI, and petrol, for every Rs. 150 spent
Use HDFC Bank Business Moneyback Credit Card for Vendor/supplier and GST payments and enjoy up to 50 days of interest-free credit period
Earn 2,500 Bonus Reward Points on spends of Rs. 1.8 lakhs or more within your anniversary year
Redeem reward points as cashback against the statement
Get 5X Reward Points on Fuel with a maximum 1000 points per month in the first year
Do note that effective 1st October 2023, 5X RP on fuel transactions will be discontinued
Up to 50 days interest-free credit period
Avail 5% Monthly Cashback on Business Essential Spends such as electricity bills, telephone and internet bills, Government and Tax Payments
Get up to Rs.250 cashback per statement with a minimum monthly spend of Rs.10,000. This offer is applicable only in the first year
Get 5% cashback on GST payments using Business Credit Card. Offer valid only for the first year after card issuance
Avail up to 4 Reward Points on every Rs. 150 spent for business payment, redeem reward points to pay credit card bill
Register your credit card with SmartPay, HDFC Bank's utility bill payment service, and ensure that your utility bills are paid on time, conveniently and easily. You can get an assured cashback of up to Rs. 1800 in the first year, as well as exciting e-vouchers worth up to Rs. 800 for adding two or more bills on Smart Pay
Zero Lost card liability
Enjoy Revolving Credit at a nominal interest rate
1% fuel surcharge waiver at all fuel stations across India on minimum transactions of Rs. 400 and maximum transactions of Rs. 5000
Experience wonderful dining benefits with the Good Food Trail program
Save up to 20% on your restaurant bills at 20,000+ restaurants with Swiggy Dineout. This offer includes discounts from both the restaurant and Swiggy. Valid only for payments made through the Swiggy app
Milestone Benefit: Earn Bonus 2,500 Bonus Reward Points when spending Rs. 1.8 lakhs in the anniversary year
Renewal Offer: If you spent Rs.50,000 or more in the previous year, your renewal fee will be waived off
Convert big spends into EMI after purchase
The HDFC Bank Business Moneyback Credit Card is equipped with contactless payment technology for added convenience and speed

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

Pros

Gain 2X Reward Points, 4 Reward Points, on every Rs. 150 spent online
Avail 2 Reward Points on all other retail spends, excluding wallet, EMI, and petrol, for every Rs. 150 spent
Avail 5% Monthly Cashback on Business Essential Spends

Cons

No golf benefits are provided
No airport 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