Paytm HDFC Bank Mobile Credit Card vs IDFC First Power Plus Credit Card

Joining Fees

₹149

₹499

Editor's Rating

2.25

4.1

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
  • Up to 6.5% savings on fuel expenses
  • Enjoy 5% savings as Rewards on Grocery and Utility expenses
  • Enjoy 5% savings as Rewards on IDFC FIRST FASTag recharge
  • Avail 3X Rewards on other retail transactions
  • Complimentary Domestic Airport Lounge access, once every quarter, on minimum monthly spends of Rs. 20,000
  • Complimentary Roadside Assistance worth Rs. 1,399
  • Get 25% off on movie tickets, up to Rs. 100, once every month
  • Personal Accident Cover of Rs. 2,00,000 and Lost Card Liability Cover of Rs. 25,000
  • EMIfy your purchases and balances and enjoy convenience of payment
  • Extend Add-on card to your co-passenger and boost your savings without any extra charges
  • Refer your friends and earn up to 10,000 Rewards (2,000 Rewards for every card set-up)
  • You can also earn rewards on your UPI Spends

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

  • With this credit card, you get rewards on UPI transactions also
  • The joining fee is affordable
  • Up to 6.5% savings on fuel expenses

Cons

  • No Golf benefits
  • No fuel benefits
  • No complimentary international airport lounge access


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