SBI Cashback credit card vs Paytm HDFC Bank Select Credit Card
Joining Fees
₹999
₹1,000
Editor's Rating
4.17
3.75
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
- Avail 5% Cashback on purchases on Paytm [Recharge + Utility + Travel + Movies + Mini App]
- Avail 3% Cashback on Accelerated Categories such as Swiggy, AJIO, Big Basket & Uber
- Get 1% Cashback on all other retail transactions
- Obtain up to 50 days of interest free credit
- Get up to 4 complimentary add-on cards
- 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
- 8 Complimentary access to Domestic Airport Lounges in India in a calendar year
- Get a 1% fuel surcharge waived on fuel transactions. This is applicable on minimum transactions of Rs. 400 and maximum transactions of Rs. 5,000
- Milestone Benefit: Avail Gift Vouchers worth Rs.500 upon spending Rs. 50,000 every Calendar Quarter
- The Paytm HDFC Bank Select Credit Card is designed to allow contactless payments
- Avail up to 20% discount on partner restaurants through Dineout
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
- 5% Cashback on purchases on Paytm [Recharge + Utility + Travel + Movies + Mini App]
- Avail 3% Cashback on Accelerated Categories such as Swiggy, AJIO, Big Basket & Uber
- 8 Complimentary access to Domestic Airport Lounges in India in a calendar year
Cons
- No rewards as such
- Get 1% Cashback on all other retail transactions
- Milestone benefits could have been made better
