Paytm HDFC Bank Credit Card vs HDFC Bharat Credit Card

Joining Fees

₹500

₹500

Editor's Rating

3.75

3.3

Key Features

  • 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
  • Get 5% monthly cashback by booking tickets through IRCTC
  • On Fuel expenses, enjoy savings with 5% monthly cashback
  • Get 1% surcharge waiver and save up to Rs. 250 in every billing cycle (Min transaction of Rs. 400)
  • On Groceries spends, enjoy savings with 5% monthly cashback
  • Enjoy savings with 5% monthly cashback on Bill Payment and Mobile recharge
  • Get 5% monthly cashback on spends on PayZapp/EasyEMI/SmartBUY
  • Avail up to 50 interest-free days from date of purchase
  • Get Revolving Credit at Nominal interest rate
  • Save annually up to Rs 3,600 by simply using the HDFC Bank Bharat credit card

Editor's Review

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%

Pros

  • Get 1% surcharge waiver and save upto Rs. 250 in every billing cycle (Min transaction of Rs. 400)
  • Get 5% monthly cashback on spends on PayZapp/EasyEMI/SmartBUY
  • Avail up to 50 interest-free days from date of purchase

Cons

  • No Lounge Access
  • No Golf benefits


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