Paytm HDFC Bank Mobile Credit Card vs HDFC Bharat Credit Card

Joining Fees

₹149

₹500

Editor's Rating

2.25

3.3

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 5% monthly cashback by booking tickets through IRCTC
  • On Fuel expenses, enjoy savings with 5% monthly cashback
  • Get 1% surcharge waiver and save up to Rs. 250 in every billing cycle (Min transaction of Rs. 400)
  • On Groceries spends, enjoy savings with 5% monthly cashback
  • Enjoy savings with 5% monthly cashback on Bill Payment and Mobile recharge
  • Get 5% monthly cashback on spends on PayZapp/EasyEMI/SmartBUY
  • Avail up to 50 interest-free days from date of purchase
  • Get Revolving Credit at Nominal interest rate
  • Save annually up to Rs 3,600 by simply using the HDFC Bank Bharat credit card

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 1% surcharge waiver and save upto Rs. 250 in every billing cycle (Min transaction of Rs. 400)
  • Get 5% monthly cashback on spends on PayZapp/EasyEMI/SmartBUY
  • Avail up to 50 interest-free days from date of purchase

Cons

  • No Lounge Access
  • No Golf benefits


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