Paytm HDFC Bank Mobile Credit Card vs Metro Kotak Bank Credit Card

Joining Fees

₹149

₹0

Editor's Rating

2.25

3.65

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
  • Save up to 1% on Metro Spends, which is capped at Rs. 10,000 per statement cycle
  • Cashback Structure is as follows:

a. Monthly Minimum spend slabs

b. Rs. 10,001 to Rs. 30,000 Spends - 0.25% Cashback

c. Rs. 30,001 to Rs. 5 Lakh - 0.50 % Cashback

d. > Above Rs. 5 Lakh - 1% Cashback

  • Credit Free Period of 48 Days
  • Rupay Contactless provides a quick, safe, and secure way to pay. Just tap the Metro Kotak Bank Credit Card and pay for transactions up to Rs. 5000 without a PIN

 

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

  • Save up to 1% on Metro Spends, which is capped at Rs. 10,000 per statement cycle
  • Activation benefit of up to Rs. 500 cashback on the first swipe
  • For spends done between Rs. 10,001 to Rs. 30,000 get 0.25% Cashback and for spends Rs. 30,001 to Rs. 5 Lakh get 0.50 % Cashback

Cons

  • No International or Domestic Airport Lounge access
  • No golf or fuel benefits
  • No rewards or other travel related benefits


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