Paytm HDFC Bank Credit Card vs SBI Cashback 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

• Get 5% Cashback on online spends without any merchant restriction
• Get 1% Cashback on offline spends
• The Card Cashback will be auto-credited to the SBI Card account within two working days of the next statement generation
• The reversal of Renewal Fee will occur on annual spends of Rs. 2 Lakh
• Avail 1% Fuel Surcharge Waiver across all petrol pumps in India. This is applicable on transactions between Rs. 500 and Rs. 3,000, exclusive of GST and other charges
• CASHBACK SBI Card can be used in over 24 million outlets across the globe, including 3,25,000 outlets in India
• Use the card to make payments at any outlet that accepts VISA
• Withdraw cash from over 1 million VISA across the globe
• Pay electricity, telephone, mobile and other utility bills using the Easy Bill Pay facility
• Save money while paying credit card dues
• Transfer the outstanding balance of other banks’ credit cards to CASHBACK SBI Card, to avail a lower rate of interest and pay back in EMIs

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 online spends
• 1% Fuel Surcharge Waiver across all petrol pumps in India
• Great for high spending on online merchants

Cons

• No golf benefits
• No complimentary airport lounge access
• Cashback card is not eligible for instant discount during online sales