Paytm SBI Credit Card vs ICICI Bank HPCL Platinum 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

• Reduce fuel bills with 2.5% Cashback - Get up to Rs. 100 Cashback on fuel purchases at HPCL pumps, availed when the Card is swiped on ICICI Merchant
• 1% fuel surcharge wavier- 1% fuel surcharge won't be applicable on fuel transactions of up to Rs. 4,000 at HPCL pumps
• ICICI Bank Rewards- ICICI Bank Credit Card entitles cardholders to earn PAYBACK Points on transactions as described below:

1. Get 2 PAYBACK Points on every Rs. 100 spent on retail purchases except on fuel
2. Swipe the PAYBACK membership card at selected HPCL pumps and instantly redeem points for fuel- On every 2,000 PAYBACK Points, earn fuel worth Rs. 500

• Enjoy the facility of Rs. 199 Annual Fee Savings. By just spending Rs. 50,000 or more annually on the Card and the bank will reverse the Annual Fee (Rs. 199) for that year
• Avail Rs. 100 off on movie tickets any day of the week, through www.bookmyshow.com
• Minimum 15% savings on dining via exclusive dining offers through ICICI Bank Culinary Treats Programme
• VISA's Exclusive Offers- Whether in India or abroad, enjoy the amazing deals from VISA Wine, dine and unwind with great offers from luxury hotels, restaurants, lifestyle stores, spas and more

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

• Up to Rs. 100 Cashback on fuel purchases at HPCL pumps
• ICICI Bank Credit Card entitles cardholders to earn PAYBACK Points on transactions
• Get Rs. 100 off on movie tickets and minimum 15% savings on dining

Cons

• The ICICI Bank HPCL Platinum Credit Card does not provide statement credit
• No Golf Privileges
• No complimentary Airport Lounge access

To apply for ICICI Bank Credit Cards please click here