HSBC Cashback Credit Card vs Paytm HDFC Bank Digital Credit Card

Joining Fees

₹999

₹149

Editor's Rating

3.1

2.5

Key Features

  • Make transactions of a minimum of Rs. 10000 within first 30 days to avail Amazon vouchers (worth Rs. 1000)
  • Win an Amazon e-gift voucher- Complete the online credit card application and Video KYC to win Amazon e-gift voucher (worth Rs. 250)
  • Annual membership fees Rs. 999 (will be reversed if total annual spend exceeds Rs. 200,000
  • 10% accelerated cashback on all dining, food delivery and grocery spends
  • 1.5% unlimited cashback on all other spends (exclusions apply)
  • 4 complimentary domestic lounge visits per year (1 per quarter)
  • Buy-one-get-one-free movie tickets on Saturdays (Up to Rs 250)
  • Zero liability for lost cards
  • Insurance benefits
  • First Year Fee will get waived off on retail spends of Rs. 1,500/1,000 in the first month
  • In a calendar year, Renewal Year Fee will get waived off on retail spends of Rs. 25,000
  • Avail 2% accelerated cashback on using the Scan & Pay feature on Paytm App - Select Merchants only
  • Get 2% cashback on key accelerated categories - Swiggy and Uber
  • Avail 1% cashback on all other Retail Spends including Paytm spends
  • Utility Bill Payments: By registering the Credit Card with SmartPay, HDFC Bank's Utility Bill payment service, you can be ensured that all your utility bills will be paid on time easily and conveniently
  • If your card is lost, by reporting it immediately to the bank's 24-hour call centre, you will have zero liability for any fraudulent transactions made on your card
  • Get 1% fuel surcharge waived off on fuel transactions between Rs. 400 and  Rs. 5,000.
  • Obtain up to 50 days of interest free credit 
  • Enjoy No Cost & Low cost EMI options on your credit card

Editor's Review

Pros

* Win an Amazon e-gift voucher

* Buy-one-get-one-free movie tickets on Saturdays

* Insurance benefits 


Cons

* No golf/coaching sessions

* No fuel benefits

Pros

  • Welcome Benefits
  • Avail 2% accelerated cashback on using the Scan & Pay feature on Paytm App - Select Merchants only
  • Get 2% cashback on key accelerated categories - Swiggy and Uber

Cons

  • No golf benefits
  • No discount on partner restaurants through Dineout
  • No airport lounge access


More comparisions with HSBC Cashback Credit Card

More comparisions with Paytm HDFC Bank Digital Credit Card

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