Paytm HDFC Bank Mobile Credit Card vs Standard Chartered Ultimate Card

Joining Fees

₹149

₹5,000

Editor's Rating

2.25

4.6

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 up to Rs. 10,000 cashback on MakeMyTrip
  • Earn 5 reward points on every Rs. 150 spent and get maximum benefit with 1 reward point equal to Re 1
  • 5% cashback on duty-free spends  
  • Up to 25% discount at the top 750 restaurants in India
  • Access 20 premier golf courses in India and 150 worldwide
  • Convert big credit card transactions (starting from Rs. 5,000) into easy EMI with "Kuch Bhi" facility at attractive rates pricing and flexible tenure options

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

  • 2% foreign currency markup* fee on overseas spends
  • Access to over 1000 airport lounges across the world, with a complimentary Priority Pass membership
  • Enjoy a wide range of instant payment solutions like BharatQR, Bharat bill payment solution (BBPS) and Samsung Pay

Cons

  • High Annual Fee of Rs. 5,000
  • No fee waiver
  • No category-specific elevated rates (e.g. Higher cashback rate for grocery spending)


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