Iconia Amex Credit Card vs Paytm HDFC Bank Digital Credit Card

• Book movie tickets with Bookmyshow and Sathyam
• Indulge in golf sessions at the most stunning and luxurious golf clubs across India
• Enjoy access to 600+ lounges across the globe with a complimentary Priority Pass and also avail of numerous other travel offers.
• Travel Insurance Cover
• Air accident cover

• 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

Pros

• American Express Lounge Access
• Enjoy a waiver* of 1% on fuel surcharge at any fuel station across India.
• ‘Total Protect’ is a first-of-its-kind program that covers you for a sum up to the credit limit on credit card and is also available on add-on cards.

Cons

• One-time joining fee: Rs. 10,000

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