TATA STAR Titanium vs Paytm HDFC Bank Select Credit Card

• On spends at STAR Outlets, earn 3.5% value back  
• On spends on select TATA Outlets, get up to 5% value back
• Get a 1% fuel surcharge waiver, on every transaction between Rs. 500 to Rs. 3,000, at any petrol pump across the country. Purchase fuel worth Rs. 500 to Rs. 3,000, to avail this benefit
• With TATA STAR Titanium Card, book railway tickets online and enjoy home delivery

• 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

Pros

• Spend based fees reversal on spends of Rs. 1,00,000 & above annually
• 3 Reward Points per Rs. 100 spent on departmental & grocery stores
• Low Annual Fee

Cons

• High-interest rates
• No Golf/coaching sessions
• No complimentary Airport Lounge visits

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