Paytm SBI Credit Card vs HDFC Infinia Credit Card

• Welcome Benefits of Paytm SBI Credit Card includes availing benefits up to Rs. 75,000 with a complimentary Paytm First Membership. The Paytm First Membership will be given only upon the card activation by making a transaction with the card
• Get 3% Cashback on Paytm Mall, Movies and Travel
• Avail 2% Cashback on all other purchases on Paytm App
• Other spends across offline and online stores, get 1% Cashback
• Obtain complimentary Paytm First Membership Voucher at renewal on achieving annual retail spends of Rs.1,00,000
• Avail 1% fuel surcharge waiver on transactions between Rs. 500 to Rs. 3000. The maximum surcharge waiver per statement cycle is Rs. 100, per credit card
• The Paytm SBI Cardholders will be entitled to obtain insurance cover of Rs. 1,00,000 for financial loss due to fraudulent usage of a credit card. Do note that this is a unique feature availed for a card in its fee range
• Surcharges for Railway Tickets - Railway Counters: Rs. 30 + 2.5% of the transaction amount
• Surcharges for Railway Tickets(irctc.co.in ): 1% of transaction amount plus all applicable taxes

• You will get Welcome Benefit of Complimentary Club Marriott membership for a year which provides up to 20% discounts for Dining and Stays across Asia – Pacific region
• As a Welcome Benefit, receive 10,000 Reward Points upon fee realization
• If you spend eight lakhs or more in the preceding 12 months, you’ll get renewal membership fee waived off for next year
• Avail Renewal benefit of 10,000 Reward Points
• Complimentary unlimited airport lounge access within and outside India using the Priority Pass. The same benefit is also available for the add on priority pass holders. Through Priority Pass membership you may also use the refreshment and business centre facilities at the selected lounges
• Avail 1% fuel surcharge waiver at all fuel stations in India on transactions between Rs.400 and Rs.1,00,000
• Enjoy lowest markup fee of 2% on all foreign currency transactions
• Avail unlimited complimentary golf games at leading courses in India and selected courses across the globe. Also, you’ll have unlimited complimentary Golf coaching at selected golf courses within India
• Enjoy the Good Food Trail dining program at some of the premium restaurants across top cities
• Earn 5 Reward Points on Rs. 150 on retail spends including Insurance, Utilities, Education, and Rent pay
• Gut 10X Reward Points on travel and shopping spends on HDFC SmartBuy
• Earn 2X Rewards Points on dining spends
• Infinia Credit Card provides Credit Shield Cover for up to 9 lakhs

Rewards Rate:

• Default Reward Rate is 3.3%
• Avail Accelerated Reward Rate of 6.6% (2X on Dining/ airvistara / hdfcbankinfinia)
• Get Accelerated Reward Rate: 33% (10X with limited partners)

Pros

• Complimentary Paytm First Membership
• Spends based Cashback Benefit Structure:

a. 3% Cashback on Travel, Movies and Mall purchases through Paytm app

b. 2% Cashback on other purchases through Paytm app

c. 1% Cashback everywhere else

• Complimentary Cyber Fraud Insurance cover of INR 1,00,000

Cons

• No complimentary airport lounge access
• No rewards facility 
• No complimentary Golf course access or classes

Pros

• This credit card is suitable for those who’re frequent travelers
• Get Accidental Air Death cover worth Rs. 3 Crore
• If there’s an emergency overseas while, get emergency overseas hospitalization insurance up to Rs. 50 lakhs

Cons

• This credit card is suitable for those who have high earnings
• This credit card doesn’t have any monthly & annual benefits
• This credit card is by “Invite only”