IDFC First Power Plus Credit Card vs Paytm HDFC Bank Credit Card
Joining Fees
₹499
₹500
Editor's Rating
4.1
3.75
Key Features
- Up to 6.5% savings on fuel expenses
- Enjoy 5% savings as Rewards on Grocery and Utility expenses
- Enjoy 5% savings as Rewards on IDFC FIRST FASTag recharge
- Avail 3X Rewards on other retail transactions
- Complimentary Domestic Airport Lounge access, once every quarter, on minimum monthly spends of Rs. 20,000
- Complimentary Roadside Assistance worth Rs. 1,399
- Get 25% off on movie tickets, up to Rs. 100, once every month
- Personal Accident Cover of Rs. 2,00,000 and Lost Card Liability Cover of Rs. 25,000
- EMIfy your purchases and balances and enjoy convenience of payment
- Extend Add-on card to your co-passenger and boost your savings without any extra charges
- Refer your friends and earn up to 10,000 Rewards (2,000 Rewards for every card set-up)
- You can also earn rewards on your UPI Spends
- 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
- With this credit card, you get rewards on UPI transactions also
- The joining fee is affordable
- Up to 6.5% savings on fuel expenses
Cons
- No Golf benefits
- No fuel benefits
- No complimentary international 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%
