HDFC Solitaire Credit Card vs Paytm SBI Credit Card

Joining Fees

₹1,000

₹499

Editor's Rating

3.2

3.1

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
  • Welcome Benefits of Paytm SBI Credit Card includes availing benefits up to Rs. 75,000 with a complimentary Paytm First Membership. The Paytm First Membership will be given only upon the card activation by making a transaction with the card
  • Get 3% Cashback on Paytm Mall, Movies and Travel
  • Avail 2% Cashback on all other purchases on Paytm App
  • Other spends across offline and online stores, get 1% Cashback
  • Obtain complimentary Paytm First Membership Voucher at renewal on achieving annual retail spends of Rs.1,00,000
  • Avail 1% fuel surcharge waiver on transactions between Rs. 500 to Rs. 3000. The maximum surcharge waiver per statement cycle is Rs. 100, per credit card
  • The Paytm SBI Cardholders will be entitled to obtain insurance cover of Rs. 1,00,000 for financial loss due to fraudulent usage of a credit card. Do note that this is a unique feature availed for a card in its fee range
  • Surcharges for Railway Tickets - Railway Counters: Rs. 30 + 2.5% of the transaction amount
  • Surcharges for Railway Tickets(irctc.co.in ): 1% of transaction amount plus all applicable taxes

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

  • Complimentary Paytm First Membership
  • Spends based Cashback Benefit Structure:

a. 3% Cashback on Travel, Movies and Mall purchases through Paytm app

b. 2% Cashback on other purchases through Paytm app

c. 1% Cashback everywhere else

  • Complimentary Cyber Fraud Insurance cover of INR 1,00,000

Cons

  • No complimentary airport lounge access
  • No rewards facility 
  • No complimentary Golf course access or classes


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