Paytm HDFC Bank Digital Credit Card vs Paytm HDFC Bank Credit Card
Joining Fees
₹149
₹500
Editor's Rating
2.5
3.75
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
- 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
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
- 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%
