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HDFC Moneyback Credit Card vs Paytm SBI Credit Card SELECT

Joining Fees

₹500

₹1,499

Editor's Rating

3.3

3.1

Key Features

  • You’ll receive Welcome Benefit of 500 Cash Points that’s applicable only on the payment of the membership fee
  • In the first 90 days, spend Rs. 20000 or above and get first-year membership fee waived off
  • Accumulate and redeem reward points for cash-back against outstanding amount on your Credit Card (100 points = Rs. 20)
  • In the first year, spend Rs. 50,000 or above and get renewal membership fee waived off
  • Earn 2 Reward Points on every Rs 150 spent
  • Every quarter receive a gift voucher worth Rs. 500 on spends of Rs 50,000. Get up to Rs. 2,000 worth of gift vouchers in a year
  • While doing online shopping, earn 4 reward points for every Rs 150 you spend online with the card. (With effect from 15th July 2020, customers can get up to 500 Reward Points per statement cycle for the online spends, under the 2X RP feature.)
  • Spend Rs 50,000 in a Quarter and avail Rs 500 worth E-Voucher
  • Renew membership for free by just spending Rs. 50,000 in a year before the renewal date
  • 1% fuel surcharge waiver at any fuel stations in India, on minimum transaction Rs. 400 and Max CashBack of Rs. 250 per statement cycle
  • If your HDFC Moneyback Credit Card gets lost, report immediately and avail zero liability on any fraudulent transactions made on the Credit Card

 

Rewards Rate:

  • Reward Points accumulated can be redeemed against statement balance at the rate 1 RP = Rs. 0.20
  • Reward Points can even be used to redeem against travel benefits such as Flight & Hotel bookings and Rewards Catalogue at the SmartBuy Rewards Portal: 1 CashPoint = Rs. 0.25
  • Welcome Benefits of Paytm SBI Credit Card SELECT includes availing benefits up to Rs. 75,000 with a complimentary Paytm First Membership. You'll also get Rs. 750 as Cashback in Paytm Wallet. The Paytm First Membership will be given only upon the card activation by making a transaction with the card
  • Get 5% Cashback on Paytm Mall, Movies and Travel
  • Avail 2% Cashback on all other purchases on Paytm App
  • On any other spends done offline and online stores, get 1% Cashback
  • Percentage cashback will be earned in the form of Reward Points on minimum transaction size of Rs. 100 each that are automatically redeemed as Paytm Gift Voucher balance
  • Stay protected with an extra layer of protection against cyber fraud with Cyber Fraud Insurance cover of Rs. 2,00,000
  • Milestone Benefit: Obtain complimentary Paytm First Membership Voucher at renewal on achieving annual retail spends of Rs.1,00,000. The cardholder can get eligible for Milestone Gift Voucher of Rs. 2,000 and Rs. 4,000 after achieving annual milestone retail spends of Rs. 4,00,000 and Rs. 6,00,000 for the eligible year, respectively
  • All eligible Paytm SBI Cardholders will be able to choose any one of the following electronic Gift Voucher (EGV) Options worth Rs. 2,000 and Rs. 4,000 Milestone Gift: Hush Puppies/Bata and Pantaloons
  • Avail complimentary Priority Pass worth US $99 for the first two years of cardholder membership. Priority Pass Lounge Charges: Airport Lounge visits within India through the Priority Pass Program will be charged with a usage fee of $27 per visit + applicable taxes. Moreover, after exhausting the complimentary visits, every Airport Lounge visits outside India through the Priority Pass Program will be charged a usage fee of $27 per visit + applicable taxes
  • Avail 4 complimentary domestic lounge visits (Restricted to 1 per quarter)

Editor's Review

Pros

  • Zero liability on the lost card if reported immediately
  • With the EMV Chip technology presented in the card, stay protected against fraud
  • Avail up to 50 days of the interest-free period from the date of purchase, and enjoy Revolving Credit at a nominal interest rate

Cons

  • The Reward points are only valid for 2 years
  • No complimentary Airport Lounge Access
  • High-interest rate of 3.49%

Pros

  • Get 1% Fuel Surcharge waiver for transactions between Rs. 500 and Rs. 4000. Maximum surcharge waiver of Rs. 250 per statement cycle, per credit card account
  • Surcharges for Railway Tickets - Railway Counters: Rs. 30 + 2.5% of the transaction amount
  • Surcharges for Railway Tickets(irctc.co.in ): 1% of the transaction amount plus all applicable taxes

Cons

  • No complimentary Golf course access or classes


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