Standard Chartered Ultimate Card vs Paytm HDFC Bank Credit Card
Joining Fees
₹5,000
₹500
Editor's Rating
4.6
3.75
Key Features
- Get up to Rs. 10,000 cashback on MakeMyTrip
- Earn 5 reward points on every Rs. 150 spent and get maximum benefit with 1 reward point equal to Re 1
- 5% cashback on duty-free spends
- Up to 25% discount at the top 750 restaurants in India
- Access 20 premier golf courses in India and 150 worldwide
- Convert big credit card transactions (starting from Rs. 5,000) into easy EMI with "Kuch Bhi" facility at attractive rates pricing and flexible tenure options
- As a Milestone Benefit, avail up to Rs. 1200 cashback annually - 1% Cashback upon spending Rs.10,000 every month (Non-EMI, Non-Wallet and Non-Rental Spends)
- The First Year Fee will get waived upon spending Rs. 30,000 (Non-EMI spends) within the first 90 days. The Renewal Year Fee will get waived upon spending Rs. 50,000 (Non-EMI spends) in the 12 months period. Monthly fee will get waived off on retail spends of Rs. 5000 in a month (Non-EMI spends)
- Avail 3% Cashback on purchases on Paytm [Recharge + Utility + Movies + Mini App]
- Avail 2% Cashback on all other Select Paytm Spends
- Avail 1% Cashback on all other Retail Spends
- Enjoy up to 50 days of interest-free period
- Avail up to 4 complimentary add-on cards
- Zero Lost card liability
- Get 1% fuel surcharge waiver at fuel stations in India on transactions between Rs. 400 and Rs. Rs. 5,000
- Enjoy up to 20% discount on partnered restaurants via Dineout
Editor's Review
Pros
- 2% foreign currency markup* fee on overseas spends
- Access to over 1000 airport lounges across the world, with a complimentary Priority Pass membership
- Enjoy a wide range of instant payment solutions like BharatQR, Bharat bill payment solution (BBPS) and Samsung Pay
Cons
- High Annual Fee of Rs. 5,000
- No fee waiver
- No category-specific elevated rates (e.g. Higher cashback rate for grocery spending)
Pros
- The card is most useful for those who use Paytm daily users of Paytm
- Decent cashback and offers on spends made with Paytm
- Enjoy up to 20% discount on partnered restaurants via Dineout
Cons
- No airport lounge access
- No rewards as such
- The cashback obtained on transactions other than the eligible category is relatively low at 1%
