SBI Cashback credit card vs Paytm HDFC Bank Digital Credit Card

Joining Fees

₹999

₹149

Editor's Rating

4.17

2.5

Key Features

  • Get 5% Cashback on online spends without any merchant restriction
  • Get 1% Cashback on offline spends
  • The Card Cashback will be auto-credited to the SBI Card account within two working days of the next statement generation
  • The reversal of Renewal Fee will occur on annual spends of Rs. 2 Lakh
  • Avail 1% Fuel Surcharge Waiver across all petrol pumps in India. This is applicable on transactions between Rs. 500 and Rs. 3,000, exclusive of GST and other charges
  • CASHBACK SBI Card can be used in over 24 million outlets across the globe, including 3,25,000 outlets in India
  • Use the card to make payments at any outlet that accepts VISA
  • Withdraw cash from over 1 million VISA across the globe
  • Pay electricity, telephone, mobile and other utility bills using the Easy Bill Pay facility
  • Save money while paying credit card dues
  • Transfer the outstanding balance of other banks’ credit cards to CASHBACK SBI Card, to avail a lower rate of interest and pay back in EMIs
  • First Year Fee will get waived off on retail spends of Rs. 1,500/1,000 in the first month
  • In a calendar year, Renewal Year Fee will get waived off on retail spends of Rs. 25,000
  • Avail 2% accelerated cashback on using the Scan & Pay feature on Paytm App - Select Merchants only
  • Get 2% cashback on key accelerated categories - Swiggy and Uber
  • Avail 1% cashback on all other Retail Spends including Paytm spends
  • 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
  • Get 1% fuel surcharge waived off on fuel transactions between Rs. 400 and  Rs. 5,000.
  • Obtain up to 50 days of interest free credit 
  • Enjoy No Cost & Low cost EMI options on your credit card

Editor's Review

Pros

  • 5% cashback on online spends
  • 1% Fuel Surcharge Waiver across all petrol pumps in India
  • Great for high spending on online merchants

Cons

  • No golf benefits
  • No complimentary airport lounge access
  • Cashback card is not eligible for instant discount during online sales

Pros

  • Welcome Benefits
  • Avail 2% accelerated cashback on using the Scan & Pay feature on Paytm App - Select Merchants only
  • Get 2% cashback on key accelerated categories - Swiggy and Uber

Cons

  • No golf benefits
  • No discount on partner restaurants through Dineout
  • No airport lounge access


More comparisions with SBI Cashback credit card

More comparisions with Paytm HDFC Bank Digital Credit Card

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