Paytm HDFC Bank Credit Card vs Paytm HDFC Bank Select Credit Card

Joining Fees

₹500

₹1,000

Editor's Rating

3.75

3.75

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
  • Avail 5% Cashback on purchases on Paytm [Recharge + Utility + Travel + Movies + Mini App]
  • Avail 3% Cashback on Accelerated Categories such as Swiggy, AJIO, Big Basket & Uber
  • Get 1% Cashback on all other retail transactions
  • Obtain up to 50 days of interest free credit 
  • Get up to 4 complimentary add-on cards
  • 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
  • 8 Complimentary access to Domestic Airport Lounges in India in a calendar year
  • Get a 1% fuel surcharge waived on fuel transactions. This is applicable on minimum transactions of Rs. 400 and maximum transactions of Rs. 5,000 
  • Milestone Benefit: Avail Gift Vouchers worth Rs.500 upon spending Rs. 50,000 every Calendar Quarter 
  • The Paytm HDFC Bank Select Credit Card is designed to allow contactless payments
  • Avail up to 20% discount on partner restaurants through Dineout

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

  • 5% Cashback on purchases on Paytm [Recharge + Utility + Travel + Movies + Mini App]
  • Avail 3% Cashback on Accelerated Categories such as Swiggy, AJIO, Big Basket & Uber
  • 8 Complimentary access to Domestic Airport Lounges in India in a calendar year

Cons

  • No rewards as such
  • Get 1% Cashback on all other retail transactions
  • Milestone benefits could have been made better


More comparisions with Paytm HDFC Bank Credit Card

More comparisions with Paytm HDFC Bank Select Credit Card

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