HDFC Pixel Go Credit Card vs Paytm SBI Credit Card SELECT

• Joining benefits: Avail a joining fee waiver by spending Rs. 10,000 within 90 days of issuance
• In a year, spend Rs. 50,000 or more before the Credit Card's renewal date and get the renewal fee waived off
• Hassle-free, one-click instant conversion of the PIXEL Go credit card outstanding balance to EMIs from the PayZapp
• Zero lost card liability 
• Interest Free Credit Period: Get up to 50 days of interest free credit period from the date of purchase 
• Revolving Credit is available at a nominal interest rate
• Avail up to 25% off on all restaurant bill payments via Swiggy Dineout. Choose from 20000 + restaurants, and the offer is inclusive of Restaurant and Swiggy Discount. It is valid only on payments done via the Swiggy App
• 1% unlimited cashback on all eligible transactions
• When accumulation of 500 PIXEL CashPoints is reached, redeem them easily to the PayZapp Wallet and use them to purchase your choice of brand vouchers within PayZapp digitally. Pixel CashPoints are valid for 2 years from the date of accumulation
• Get 1% fuel surcharge waiver at all fuel stations in India on minimum transaction of Rs. 400 and maximum transaction of Rs. 5,000

• 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)

Pros

• In a year, spend Rs. 50,000 or more before the Credit Card's renewal date and get the renewal fee waived off
• Shop Now and Pay in Parts with flexible low cost EMIs
• Up to 25% discount on partner restaurants via Swiggy Dineout

Cons

• No Golf benefits
• No airport lounge access
• No rewards as such

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