Paytm HDFC Bank Mobile Credit Card vs HDFC Bank Platinum Edge Credit Card

Joining Fees

₹149

₹0

Editor's Rating

2.25

3.5

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
  • Renew the credit card’s membership for free by spending Rs 50,000 in a year
  • Get 2 reward points for every Rs. 150 spends
  • Redeem the points as cash back (100 points = Rs. 10) and use it to pay off outstanding balance
  • Redeem the reward points for exciting gifts and air miles with the exclusive MyRewards catalogue, which is the HDFC Bank Credit Card Rewards program
  • Avail 50% more reward points at premium restaurants
  • Get a waiver of fuel surcharge of up to Rs. 250 in every billing cycle. Save up to Rs. 1800 a year (assuming spends of Rs.  6000 per month)
  • Stay protected against unauthorized use of the card when shopping anywhere with the EMV Chip Card technology
  • Zero liability on lost card after reporting the loss
  • Avail up to 50 interest-free days from date of purchase
  • Enjoy Revolving Credit at nominal interest rate
  • 50 days of interest-free credit

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 2 reward points for every Rs. 150 spends
  • Redeem the points as cash back (100 points = Rs. 10) and use it to pay off outstanding balance
  • Redeem the reward points for exciting gifts and air miles with the exclusive MyRewards catalogue, which is the HDFC Bank Credit Card Rewards program

Cons

  • No movie benefits
  • No golf benefits
  • No international and domestic lounge access


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