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


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