Paytm HDFC Bank Mobile Credit Card vs Swiggy 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

* Get 10% Cashback on Swiggy application (Food ordering, Instamart, Dineout & Genie)
* Get 5% Cashback on online spends across online MCCs
* Get 1% Cashback on other categories
* Zero lost card liability
*  Up to 50 days of interest-free period on the Swiggy HDFC Bank Credit Card from the date of purchase
* When making spends of Rs. 2,00,000 or more in a year, before the Credit Card renewal date, get the renewal fee waived off
* Swiggy HDFC Bank Credit Card is enabled for contactless payments
* You can convert large purchases on the credit card into Smart EMI

* Mastercard Golf Benefits:

a. Access golf courses worldwide and 12 free lessons per year

b. 4 complimentary rounds of green fees per calendar yea

c. Discounted golf services at 50% of the green fee beyond complimentary sessions

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

* Get 10% cashback on all Swiggy food delivery orders, including Genie and Instamart
* Up to Rs. 1,500 cashback per month across major online shopping platforms
* This credit card suits food enthusiasts because they can get a complimentary Swiggy One membership for three months which is extremely beneficial

Cons

* One can only redeem their cashback on the Swiggy app
* There's no domestic or international lounge access
* The foreign currency markup is on the higher side at 3.5%