HDFC Solitaire Credit Card vs Paytm HDFC Bank Credit Card

Joining Fees

₹1,000

₹500

Editor's Rating

3.2

3.75

Key Features

  • Earn 3 reward points for every Rs. 150 you spend
  • Get 50% more reward points on dining and grocery expenses
  • Redeem reward points for exclusive gifts and offers
  • Get vouchers worth Rs. 1000 on spends of Rs 75000 in six months. Earn up to two vouchers a year.
  • Redeem your reward points for cashback against outstanding amount on your Credit Card - 100 points = Rs. 20. Save up to Rs. 4000 a year on spends of Rs. 5 lakh
  • As a Milestone Benefit, avail up to Rs. 1200 cashback annually - 1% Cashback upon spending Rs.10,000 every month (Non-EMI, Non-Wallet and Non-Rental Spends)
  • The First Year Fee will get waived upon spending Rs. 30,000 (Non-EMI spends) within the first 90 days. The Renewal Year Fee will get waived upon spending Rs. 50,000 (Non-EMI spends) in the 12 months period. Monthly fee will get waived off on retail spends of Rs. 5000 in a month (Non-EMI spends)
  • Avail 3% Cashback on purchases on Paytm [Recharge + Utility + Movies + Mini App]
  • Avail 2% Cashback on all other Select Paytm Spends
  • Avail 1% Cashback on all other Retail Spends
  • Enjoy up to 50 days of interest-free period
  • Avail up to 4 complimentary add-on cards    
  • Zero Lost card liability 
  • Get 1% fuel surcharge waiver at fuel stations in India on transactions between Rs. 400 and Rs. Rs. 5,000
  • Enjoy up to 20% discount on partnered restaurants via Dineout

Editor's Review

Pros

  • Enjoy redemption of Reward Points against air miles of Jet Airways (Jet Privilege Miles) and Singapore Airlines (KrisFlyer Miles).
  • Enjoy savings of up to Rs. 250 in every billing cycle with a 100% fuel surcharge waiver
  • Carry zero liability on lost card if reported immediately

Cons

  • No golf/coaching sessions
  • No complimentary Airport Lounge Access

Pros

  • The card is most useful for those who use Paytm daily users of Paytm
  • Decent cashback and offers on spends made with Paytm
  • Enjoy up to 20% discount on partnered restaurants via Dineout

Cons

  • No airport lounge access
  • No rewards as such
  • The cashback obtained on transactions other than the eligible category is relatively low at 1%


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