Paytm HDFC Bank Digital Credit Card vs BOB Financial Prime
Joining Fees
₹149
₹0
Editor's Rating
2.5
3.4
Key Features
- First Year Fee will get waived off on retail spends of Rs. 1,500/1,000 in the first month
- In a calendar year, Renewal Year Fee will get waived off on retail spends of Rs. 25,000
- Avail 2% accelerated cashback on using the Scan & Pay feature on Paytm App - Select Merchants only
- Get 2% cashback on key accelerated categories - Swiggy and Uber
- Avail 1% cashback on all other Retail Spends including Paytm spends
- 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
- Get 1% fuel surcharge waived off on fuel transactions between Rs. 400 and Rs. 5,000.
- Obtain up to 50 days of interest free credit
- Enjoy No Cost & Low cost EMI options on your credit card
- Get PRIME against fixed deposit of Rs. 15,000 or more without any income proof
- PRIME is lifetime free, which means Zero First Year and Annual Fees
- 1% fuel surcharge waived for all fuel transactions between Rs 400 - Rs 5,000 (Max. waiver of Rs. 250 per month)
- Convert purchases of more than Rs 2,500 on your card into easy EMIs of 6/12 months
- Free Personal Accidental Death Cover ensures the financial protection of your family
Editor's Review
Pros
- Welcome Benefits
- Avail 2% accelerated cashback on using the Scan & Pay feature on Paytm App - Select Merchants only
- Get 2% cashback on key accelerated categories - Swiggy and Uber
Cons
- No golf benefits
- No discount on partner restaurants through Dineout
- No airport lounge access
Pros
- 1% cashback
- No fee
- Minimum deposit of Rs. 15,000
Cons
- No perks or promotions
- No Golf/coaching sessions
- No complimentary Airport Lounge visits
