Paytm HDFC Bank Credit Card vs YES Prosperity Cashback Plus Credit Card

Joining Fees

₹500

₹1,499

Editor's Rating

3.75

3.8

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
  • On Movie Ticket bookings get 5% Cashback 
  • On Grocery Shopping get 5% Cashback 
  • On all Other retails spends get 0.75% Cashback 
  • On Bill Payments through YES PayNow get 5% Cashback 

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

  • This credit card is for those who prefer Cashback 
  • Fuel Surcharge Waiver
  • Credit Shield Facility 

Cons

  • This credit card isn’t for those who are looking for travel benefits
  • This card isn’t for those who prefer air miles or rewards
  • No concierge service 


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