Paytm HDFC Bank Mobile Credit Card vs Klick RuPay Credit Card

• 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

• Zero Joining Fees and Annual Fees
• 1% Fuel Surcharge Waiver
• 2 Rewards for every Rs. 200 non-UPI spends
• 2% cashback while you make quick and easy payments using Kiwi app
• 4 Reward Points on every Rs. 200 spent on all UPI transactions above Rs. 2,000
• Get all the benefits with the 100% virtual credit card- It is safe, secure, and make hassle-free payments with virtual credit card
• Earn reward on UPI and non-UPI spends

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:

• Lifetime Free Credit Card
• 2 Rewards for every Rs. 200 non-UPI spends
• 2% cashback while you make quick and easy payments using Kiwi app

Cons:

• No international or domestic lounge access
• No Golf Benefits
• No Movies and Entertainment, and Dining Benefits