Paytm HDFC Bank Mobile Credit Card vs BOB Financial Easy
Joining Fees
₹149
₹500
Editor's Rating
2.25
4.6
Key Features
- Milestone Benefit: By spending Rs. 10,000 in 3 consecutive months (Non-EMI Spends and Non-Rental Spends) get upgraded to Paytm HDFC Bank Credit Card
- First Year Fee will get waived by spending Rs. 1,000 (Non-EMI spends) within the first 30 days
- Renewal Year Fee will get waived by spending Rs. 25,000 (Non-EMI spends) in the 12 months period
- Avail 2% Cashback on purchases on Paytm [Mall + Movies + Mini App]
- Avail 1% Cashback on all other Select Paytm Spends
- Avail 0.5% Cashback on all other retail transactions
- 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
- Obtain up to 50 days of interest free credit
- Avail up to 20% discount on partner restaurants through Dineout
- Get 5 reward points for every Rs. 100 spent on Grocery, Departmental stores, and Movies
- Avail 1 reward point for every Rs. 100 spent on other categories
- Avail 0.5% of the card bill payment as cash-back in the next statement
- Spend Rs. 6,000 within 60 days and Rs. 35,000 in a year for reversal/waiver of annual fees
- 1% fuel surcharge waived for fuel transactions between Rs. 400 - Rs. 5,000 (Max. waiver of Rs. 250 per month)
- Redeem the earned reward points as cash-back and other exciting options
- Convert purchases of more than Rs. 2,500 on the card into easy EMIs of 6/12 months
- 3 lifetime free add-on cards
- Free Personal Accidental Death Cover
- Report immediately the loss of the card to ensure zero liability on any fraudulent transactions
- Avail 50 days of interest free credit from the date of any purchase
- Pay Minimum Amount Due and finance your spends as per your convenience
Editor's Review
Pros
- By spending Rs. 10,000 in 3 consecutive months (Non-EMI Spends and Non-Rental Spends) get upgraded to Paytm HDFC Bank Credit Card
- Avail 2% Cashback on purchases on Paytm [Mall + Movies + Mini App]
- Avail 1% Cashback on all other Select Paytm Spends
Cons
- No golf benefits
- No fuel benefits
- No airport lounge access
Pros
- Easy EMI Option
- First year Fee: Spend 6,000 on the card within 60 days for fee reversal
- Annual Fee: Spend Rs. 35,000 on the card in a year for a fee waiver
Cons
- No golf privileges
- No airport lounge access
