Paytm HDFC Bank Mobile Credit Card vs SimplySave SBI 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

• Spend Rs. 2,000 or more in first 60 days and get 2,000 bonus Reward Points
• Renewal Fee reversed if annual spends for last year is more than Rs. 1,00,000
• Get 10 Reward Points per Rs 150 spent on Dining, Movies, Departmental Stores and Grocery Spends
• On all other spends, earn 1 Reward Point per Rs 150 spent
• 1% fuel surcharge at any petrol pump. Transact an amount between Rs. 500 to Rs. 3,000 at any petrol pump in India to avail this offer
• With SimplySAVE SBI Card, daily purchases will be much easier. Simply wave the card at a secure reader to transact
• Transfer the outstanding balance of other banks’ credit cards to SimplySAVE SBI Card, and avail a lower rate of interest and pay back in EMIs
• With the facility of Flexipay, convert transactions in easy monthly installments. Make purchases for Rs. 2,500 or more using SimplySAVE SBI Card

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

• 1% fuel surcharge at any petrol pump
• Enjoy 10 Reward Points per Rs 150 spent on Dining, Movies, Departmental Stores and Grocery Spends
• Get annual membership fee reversal from second year of your subscription

Cons

• No Golf/coaching sessions
• Fee waiver on minimum spend of Rs. 1,00,000
• No complimentary Airport Lounge Access