Paytm HDFC Bank Mobile Credit Card vs HDFC Bank Freedom Credit Card
Joining Fees
₹149
₹500
Editor's Rating
2.25
4.3
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 10X CashPoints on your favourite merchants such as Big Basket, BookMyshow, OYO, Swiggy, and Uber. Do note a maximum of 2,500 CashPoints can be earned in a calendar month
- Get 5X CashPoints on EMI spends at merchant locations. Do note a maximum of 2,500 CashPoints can be earned in a calendar month
- Earn 1 CashPoint for every Rs. 150 on other spends
- Get up to 20% discount on partnered restaurants via Swiggy Dineout
- Rupay Credit Cardholders can earn 1 RP for every Rs. 150 spent on UPI transactions. The reward points are capped at 500 per calendar month
- Zero lost Card liability
- Avail up to 50 days of interest-free period
- Enjoy Revolving Credit at a nominal interest rate
- Enjoy amazing dining benefits with the Good Food Trail program
- Get up to 20% savings on all restaurant bill payments via Swiggy Dineout, which consists of 20k + restaurants, and the offer is inclusive of Restaurant and Swiggy Discount. This offer is valid only on payments done via the Swiggy App
- 1% Fuel Surcharge waiver on fuel transactions. This is applicable for minimum transaction of Rs. 400 and maximum transaction of Rs. 5,000
- Get 500 CashPoints- this is applicable only on payment of membership fee
- Get the renewal membership fee waived by spending Rs. 50,000 and above in an annual year
- Convert your big spends into EMI after purchase
- The Credit Card is enabled for contactless payments
- Spend Rs. 50,000 or more in a year, before the Credit Card renewal date to get renewal fee waived off
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
- Get 10X CashPoints on your favourite merchants such as Big Basket, BookMyshow, OYO, Swiggy, and Uber
- Get 5X CashPoints on EMI spends at merchant locations, and 1 CashPoint for every Rs. 150 on other spends
- Rupay Credit Cardholders can earn 1 RP for every Rs. 150 spent on UPI transactions
Cons
- No golf benefits are provided
- No international and domestic airport lounge access
- No rewards
