Paytm SBI Credit Card vs Stable Money Suryoday Bank 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

Cashback Benefits

• Earning: 0.5% cashback on all card spends, including UPI transactions
• Capping: Cashback capped at Rs. 3,000 for every statement cycle

Airport Lounge Access

• 8 complimentary domestic airport lounge visits per year, capped at 2 visits per quarter

RuPay Benefits

• RuPay Select Offer: RuPay Select card variant issued if FD amount is above Rs. 1.15 lakh (otherwise RuPay Platinum is issued)
• RuPay Select Wellness Program: Gym membership, health check-up, spa and salon services, and golf sessions are offered once a year under this program

Insurance Coverage

• Sum insured of up to Rs. 2 lakh: For RuPay Platinum cardholders
• Sum insured of up to Rs. 10 lakh: For Rupay Select cardholders

Fuel Benefit

• Fuel surcharge waiver on fuel transactions of up to Rs. 8,000, capped at Rs. 40,000 monthly fuel spends
• Enjoy exclusive discounts on the RuPay network

RuPay Select Wellness Program (Applicable to RuPay Select Cardholders only)

• RuPay Select Cardholders can avail additional benefits of Gym Membership, Health Check-ups, Spa and Salon Services, and Golf
• RuPay Select Benefits are eligible to be redeemed only once in a year

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

• Hassle-free cashback on all spends, including UPI transactions
• Lifetime free card with up to 8% interest on FD
• Up to 8 free domestic airport lounge visits every year
• Additional lifestyle benefits for RuPay Select cardholders

Cons

• Low value-back rate through cashback earnings
• High FD amount requirement for RuPay Select card variant benefits
• FD must remain until card closure