Lifestyle HC SBI Card PRIME vs Paytm HDFC Bank Business Credit Card

• Earn 15 Reward Points on every 100 Rs. spent at Online & Retail Landmark Stores (Lifestyle, Home Centre, Max and Spar).
• Earn 10 Reward Points on every 100 Rs. spent at Dining & Movies.
• Get 2 Reward point per 100 Rs. spent on other retail purchases (Non-fuel).
• Cumulative milestone benefits up to 58,000 RP worth Rs 14,500.
• On overall annual retail spends of Rs 500,000, avail 20,000 bonus Reward Points

• First Year Fee will be waived upon spending Rs. 30,000 within the first 90 days
• Renewal Year Fee will be waived upon spending Rs. 50,000 in the 12 months period
• Activation Benefit: Avail Rs. 250 worth Gift Voucher upon card activation with 2 transactions in first 30 days
• Milestone Benefit: Avail Rs. 500 worth Gift Voucher on spends of Rs. 1 Lakh in a year (Non-EMI, Non-Wallet and Non-Rental Spends)
• 3% cashpoints on purchases on Paytm [Recharge + Utility + Movies + Mini App] 
• 2% cashpoints on all other Select Paytm Spends
• 1% cashpoints on all other Retail Spends 
• Utility Bill Payments: Simply register the Credit Card with SmartPay, HDFC Bank's Utility Bill payment service. Be assured all utility bills will be paid on time, conveniently and easily
• Zero cost liability: If the Card gets lost simply report it immediately to HDFC Bank’s 24-hour call centre. After reporting the loss, the cardholder will have a zero liability on any fraudulent transactions made on its card
• 1% fuel surcharge waived of on fuel transactions between transactions of Rs. 400 to Rs. 5,000
• The card is enabled for contactless payments
• Up to 20% discount on partnered restaurants via Dineout
• Quick Loan for Business: Check for term loan eligibility on the credit card for business purposes
• Avail up to 50 days of interest free credit on the Credit Card

Pros                                                                                                                                                                                                                                                                                                                                                                                                   

• On annual spends of Rs 40,000 across all Landmark Stores, earn 6000 bonus Reward Points. 
• 8 complimentary Domestic Airport lounge visits per year (subject to a max of 2 per quarter)
• Complimentary priority pass membership worth USD 99 & 4 complimentary visits per year                                                                                        

Cons 

• No golf/coaching sessions

Pros

• Quick Loan for Business
• Up to 20% discount on partnered restaurants via Dineout
• Welcome Benefit includes getting Paytm First Membership

Cons

• No movie benefits
• No golf benefits
• No airport lounge access