Paytm HDFC Bank Credit Card vs IDFC First Power Plus Credit Card

• 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

• 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

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

• 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