HDFC Platinum Times Credit Card vs Paytm HDFC Bank Business Credit Card

• Spend Rs. 2,50,000 in a year and get a waiver of renewal membership fee
• Complimentary Annual Times Prime Membership- Enjoy offers and subscriptions on top brands such as Gaana Plus, sonyliv, TOI+, Chaayos, and Uber, Myntra and many more
• Avail offer on Movies/BookMyShow- Get 50% off via BookMyShow on Movie Tickets. The cardholder can purchase a maximum of 4 discounted tickets per card per month. Avail maximum discount of Rs. 600 per transaction, and also get a discount of Rs. 50 on Food and Beverage only once
• Extra discount of Rs. 1500- Get up to a maximum of 15% off on bills via PayEazy on Eazydiner. Avail 6 months complimentary membership
• Up to 20% off on online & offline – shopping, wellness & hotel stays at selected partners. city wise offers based offers every single day.
• Up to 5% Cashback on Utility Bills/Shopping
• Avail 1% fuel surcharge waiver on fuel transactions between Rs. 400 and Rs. 4000
• You can convert your big spends into EMI after purchase
• HDFC Bank Times Platinum Credit Card is enabled for contactless payments
• Avail 3 Reward Points for every Rs. 150 spent on the card
• Weekday Dining Bonanza Reward Point
• Avail 10 Reward Points on every Rs. 150 spent on Dining spends on weekdays

• First Year Fee will be waived upon spending Rs. 30,000 within the first 90 days
• Renewal Year Fee will be waived upon spending Rs. 50,000 in the 12 months period
• Activation Benefit: Avail Rs. 250 worth Gift Voucher upon card activation with 2 transactions in first 30 days
• Milestone Benefit: Avail Rs. 500 worth Gift Voucher on spends of Rs. 1 Lakh in a year (Non-EMI, Non-Wallet and Non-Rental Spends)
• 3% cashpoints on purchases on Paytm [Recharge + Utility + Movies + Mini App] 
• 2% cashpoints on all other Select Paytm Spends
• 1% cashpoints on all other Retail Spends 
• Utility Bill Payments: Simply register the Credit Card with SmartPay, HDFC Bank's Utility Bill payment service. Be assured all utility bills will be paid on time, conveniently and easily
• Zero cost liability: If the Card gets lost simply report it immediately to HDFC Bank’s 24-hour call centre. After reporting the loss, the cardholder will have a zero liability on any fraudulent transactions made on its card
• 1% fuel surcharge waived of on fuel transactions between transactions of Rs. 400 to Rs. 5,000
• The card is enabled for contactless payments
• Up to 20% discount on partnered restaurants via Dineout
• Quick Loan for Business: Check for term loan eligibility on the credit card for business purposes
• Avail up to 50 days of interest free credit on the Credit Card

Pros

• Welcome Benefits
• Complimentary Annual Times Prime Membership
• Avail offer on Movies/BookMyShow- Get 50% off via BookMyShow on Movie Tickets, and Weekday Dining Bonanza Reward Point

Cons

• No complimentary Airport Lounge access  
• No Golf Privileges 

Pros

• Quick Loan for Business
• Up to 20% discount on partnered restaurants via Dineout
• Welcome Benefit includes getting Paytm First Membership

Cons

• No movie benefits
• No golf benefits
• No airport lounge access