Standard Chartered DigiSmart Credit Card vs Paytm SBI Credit Card

• 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

• 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

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

• 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