Standard Chartered DigiSmart Credit Card vs Paytm HDFC Bank Credit Card

Joining Fees

₹49

₹500

Editor's Rating

3

3.75

Key Features

  • Get 20% off at Myntra, 20% discount at Yatra on domestic flights, & 10% discount on your Zomato food orders
  • Buy One Get One (BOGO) movie ticket free at INOX
  • Get 15% cashback on Ola cabs
  • Convert big spends above Rs. 5000 to easy EMI at attractive 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

  • Get a loan on your credit card up to Rs. 5,00,000. Flexible tenure from 12 to 60 months
  • 10% discount on international flights with a maximum discount of Rs. 10,000. 25% discount on domestic hotels with a maximum discount of Rs. 4,000
  • Transfer card balance up to Rs. 5 Lakh at an attractive interest rate

Cons

  • No Complimentary Airport Lounge access
  • No Fuel Surcharge Wavier
  • No Golf/coaching sessions

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%


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