Paytm HDFC Bank Digital Credit Card vs SBI Cashback credit card
Joining Fees
₹149
₹999
Editor's Rating
2.5
4.17
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% Cashback on online spends without any merchant restriction
- Get 1% Cashback on offline spends
- The Card Cashback will be auto-credited to the SBI Card account within two working days of the next statement generation
- The reversal of Renewal Fee will occur on annual spends of Rs. 2 Lakh
- Avail 1% Fuel Surcharge Waiver across all petrol pumps in India. This is applicable on transactions between Rs. 500 and Rs. 3,000, exclusive of GST and other charges
- CASHBACK SBI Card can be used in over 24 million outlets across the globe, including 3,25,000 outlets in India
- Use the card to make payments at any outlet that accepts VISA
- Withdraw cash from over 1 million VISA across the globe
- Pay electricity, telephone, mobile and other utility bills using the Easy Bill Pay facility
- Save money while paying credit card dues
- Transfer the outstanding balance of other banks’ credit cards to CASHBACK SBI Card, to avail a lower rate of interest and pay back in EMIs
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
- 5% cashback on online spends
- 1% Fuel Surcharge Waiver across all petrol pumps in India
- Great for high spending on online merchants
Cons
- No golf benefits
- No complimentary airport lounge access
- Cashback card is not eligible for instant discount during online sales
