Paytm HDFC Bank Mobile Credit Card vs Marriott Bonvoy HDFC Bank 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

* Avail 8 Marriott Bonvoy Points per Rs. 150 spent at hotels participating in Marriott Bonvoy
* Avail 4 Marriott Bonvoy Points per Rs. 150 spent on dining, entertainment, and travel
* Avail 2 Marriott Bonvoy Points per Rs. 150 spent on all other applicable purchases
* Get Complimentary Golf Access 2 per quarter across the globe (Green Fee Waiver)
* Zero Lost card liability
* Foreign Currency Markup is 3.5% on all foreign currency spends
* Enjoy Revolving Credit on Marriott Bonvoy HDFC Bank Credit Card at nominal interest rate
* Avail 12 Complimentary domestic and international terminals access within India using the Marriott Bonvoy HDFC Bank Credit Card each year
* Avail 12 Complimentary airport lounge access outside India each year
* Get 1 Free Night Award on Eligible Spends of Rs. 6 lakhs in an Anniversary Year
* Get 1 Free Night Award on Eligible Spends of Rs. 9 lakhs in an Anniversary Year
* Get 1 Free Night Award on Eligible Spends of Rs. 15 lakhs in an Anniversary Year
* Avail Delay or loss of checked-in baggage cover of up to $250
* Loss of travel documents cover of up to $250
* Flight delay cover of up to $250
* Air accidental cover of up to $12,500
* Emergency medical expenses cover of up to $18,750
* Credit shield of up to Rs. 100,000
* Loss liability cover of up to Rs. 100,000
* Exclusive Concierge Services
* You can convert big spends into EMI after purchases
*  Marriott Bonvoy HDFC Bank Credit Card is enabled for contactless payments

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

* Avail elite privileges on Marriott hotel bookings
* Get international and domestic airport lounges access
* Get access to Marriott Bonvoy Silver Elite Status 
* As welcome and milestone benefits, get Free Night Stays at Marriott

Cons

* There are no general travel benefits
* The features to co-branded hotel bookings are limited
* The base reward rate is low
* There’s no Priority Pass membership
* There’s no card renewal benefits or fee waiver option