Paytm HDFC Bank Digital Credit Card vs HDFC Bharat Credit Card

Joining Fees

₹149

₹500

Editor's Rating

2.5

3.3

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 5% monthly cashback by booking tickets through IRCTC
  • On Fuel expenses, enjoy savings with 5% monthly cashback
  • Get 1% surcharge waiver and save up to Rs. 250 in every billing cycle (Min transaction of Rs. 400)
  • On Groceries spends, enjoy savings with 5% monthly cashback
  • Enjoy savings with 5% monthly cashback on Bill Payment and Mobile recharge
  • Get 5% monthly cashback on spends on PayZapp/EasyEMI/SmartBUY
  • Avail up to 50 interest-free days from date of purchase
  • Get Revolving Credit at Nominal interest rate
  • Save annually up to Rs 3,600 by simply using the HDFC Bank Bharat credit card

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

  • Get 1% surcharge waiver and save upto Rs. 250 in every billing cycle (Min transaction of Rs. 400)
  • Get 5% monthly cashback on spends on PayZapp/EasyEMI/SmartBUY
  • Avail up to 50 interest-free days from date of purchase

Cons

  • No Lounge Access
  • No Golf benefits


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