Paytm HDFC Bank Digital Credit Card vs Paytm SBI Credit Card
Joining Fees
₹149
₹499
Editor's Rating
2.5
3.1
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
- Welcome Benefits of Paytm SBI Credit Card includes availing benefits up to Rs. 75,000 with a complimentary Paytm First Membership. The Paytm First Membership will be given only upon the card activation by making a transaction with the card
- Get 3% Cashback on Paytm Mall, Movies and Travel
- Avail 2% Cashback on all other purchases on Paytm App
- Other spends across offline and online stores, get 1% Cashback
- Obtain complimentary Paytm First Membership Voucher at renewal on achieving annual retail spends of Rs.1,00,000
- Avail 1% fuel surcharge waiver on transactions between Rs. 500 to Rs. 3000. The maximum surcharge waiver per statement cycle is Rs. 100, per credit card
- The Paytm SBI Cardholders will be entitled to obtain insurance cover of Rs. 1,00,000 for financial loss due to fraudulent usage of a credit card. Do note that this is a unique feature availed for a card in its fee range
- Surcharges for Railway Tickets - Railway Counters: Rs. 30 + 2.5% of the transaction amount
- Surcharges for Railway Tickets(irctc.co.in ): 1% of transaction amount plus all applicable taxes
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
- Complimentary Paytm First Membership
- Spends based Cashback Benefit Structure:
a. 3% Cashback on Travel, Movies and Mall purchases through Paytm app
b. 2% Cashback on other purchases through Paytm app
c. 1% Cashback everywhere else
- Complimentary Cyber Fraud Insurance cover of INR 1,00,000
Cons
- No complimentary airport lounge access
- No rewards facility
- No complimentary Golf course access or classes
