Paytm HDFC Bank Digital Credit Card vs IDFC First Power Plus Credit Card
Joining Fees
₹149
₹499
Editor's Rating
2.5
4.1
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
- Up to 6.5% savings on fuel expenses
- Enjoy 5% savings as Rewards on Grocery and Utility expenses
- Enjoy 5% savings as Rewards on IDFC FIRST FASTag recharge
- Avail 3X Rewards on other retail transactions
- Complimentary Domestic Airport Lounge access, once every quarter, on minimum monthly spends of Rs. 20,000
- Complimentary Roadside Assistance worth Rs. 1,399
- Get 25% off on movie tickets, up to Rs. 100, once every month
- Personal Accident Cover of Rs. 2,00,000 and Lost Card Liability Cover of Rs. 25,000
- EMIfy your purchases and balances and enjoy convenience of payment
- Extend Add-on card to your co-passenger and boost your savings without any extra charges
- Refer your friends and earn up to 10,000 Rewards (2,000 Rewards for every card set-up)
- You can also earn rewards on your UPI Spends
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
- With this credit card, you get rewards on UPI transactions also
- The joining fee is affordable
- Up to 6.5% savings on fuel expenses
Cons
- No Golf benefits
- No fuel benefits
- No complimentary international airport lounge access
