HDFC Superia Card vs Paytm HDFC Bank Credit Card
Joining Fees
₹1,000
₹500
Editor's Rating
3.8
3.75
Key Features
- Convert reward points into miles or vouchers of domestic airlines such as Jet Airways, Air India, etc. and save up to Rs. 8000 a year. Redeem points for miles with over twenty international airlines through KrisFlyer, Singapore Airline's frequent flyer programme
- Enjoy gaining 50% more reward points at premium restaurants
- Gain Three reward points for every Rs. 150 spent and exchange them for miles (at 0.7 miles for every point) or gifts from an exclusive reward catalogue. These Reward points are valid for two years.
- Complimentary Priority Pass Membership.
- On fuel transactions, you'll avail 1% Fuel Surcharge waiver ( Minimum transaction of Rs. 400, Maximum Cashback of Rs. 500 per statement cycle)
- Stay protected against unauthorised use while shopping with the EMV Chip Card technology
- Zero liability on the lost card after reporting the loss
- Get up to 50 interest-free days from date of purchase (subject to the submission of charge by the merchant). Enjoy Revolving Credit at a nominal interest rate
- First year's membership free if you spend Rs. 15,000 within the first 90 days
- Renew the membership for free by spending Rs. 75,000 in a year
- 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
- Complimentary Priority Pass Membership.
- Avail zero liability on the lost card after reporting the loss
- Get first year's membership for free by spending Rs. 15,000 within the first 90 days
Cons
- High-interest rate
- No golf privileges
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%
