Tata Platinum Card vs Paytm HDFC Bank Business Credit Card

Joining Fees

₹2,999

₹500

Editor's Rating

3.5

4.1

Key Features

  • Welcome e- Gift Voucher worth Rs. 3,000 from any of the following brands: Yatra, Hush Puppies / Bata, Aditya Birla Fashion, Westside
  • Get Anniversary Gift: Eligibility on crossing spends of Rs. 2 lakhs in the previous year
  • 2% value back on spends at Croma and cromaretail.com
  • Get up to 5% value back on spends on Tata outlets
  • First Year Fee will be waived upon spending Rs. 30,000 within the first 90 days
  • Renewal Year Fee will be waived upon spending Rs. 50,000 in the 12 months period
  • Activation Benefit: Avail Rs. 250 worth Gift Voucher upon card activation with 2 transactions in first 30 days
  • Milestone Benefit: Avail Rs. 500 worth Gift Voucher on spends of Rs. 1 Lakh in a year (Non-EMI, Non-Wallet and Non-Rental Spends)
  • 3% cashpoints on purchases on Paytm [Recharge + Utility + Movies + Mini App] 
  • 2% cashpoints on all other Select Paytm Spends
  • 1% cashpoints on all other Retail Spends 
  • Utility Bill Payments: Simply register the Credit Card with SmartPay, HDFC Bank's Utility Bill payment service. Be assured all utility bills will be paid on time, conveniently and easily
  • Zero cost liability: If the Card gets lost simply report it immediately to HDFC Bank’s 24-hour call centre. After reporting the loss, the cardholder will have a zero liability on any fraudulent transactions made on its card
  • 1% fuel surcharge waived of on fuel transactions between transactions of Rs. 400 to Rs. 5,000
  • The card is enabled for contactless payments
  • Up to 20% discount on partnered restaurants via Dineout
  • Quick Loan for Business: Check for term loan eligibility on the credit card for business purposes
  • Avail up to 50 days of interest free credit on the Credit Card

Editor's Review

Pros

  • Welcome and Anniversary gift vouchers
  • Airport lounge access
  • Gift vouchers on achieving milestone spends
  • Value back at STAR and TATA outlets

Cons

  • High-interest rate
  • No concierge services
  • No Golf games

Pros

  • Quick Loan for Business
  • Up to 20% discount on partnered restaurants via Dineout
  • Welcome Benefit includes getting Paytm First Membership

Cons

  • No movie benefits
  • No golf benefits
  • No airport lounge access


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