Yes Bank First Reserv Credit Card vs Paytm HDFC Bank Business Credit Card
Joining Fees
₹1,999
₹500
Editor's Rating
3.9
4.1
Key Features
- Earn 8000 bonus Reward Points if renewal fee is charged (This is applicable second year onwards)
- Get up to 1.75% markup on foreign currency
- For 6 months for mobile and electronic purchased online, get insurance cover of up to Rs. 50,000 against accidental damage
- Enjoy 4 green fee waiver per year- Get 1 Golf lesson per year at select golf courses in India
- Credit Shield cover of 15 Lakh
- Lost Card liability 15 Lakh to 30 Lakh
- 1% fuel surcharge waiver between Rs 400 and Rs 5000
- Access to airport lounges internationally for Mastercard and Visa cards: Get 6 complimentary International Airport lounge visits per calendar year
- 3 complimentary domestic airport lounge visits per quarter
- Get 5 times the benefits of YES Rewardz Points on Travel, Dining, Fashion and Healthcare categories
- Get 3 times the regular benefits of YES Rewardz Points for online dining or online grocery and apparel or other retail spends
- Avail 24 YES Rewardz Points on every Rs. 200 for online shopping
- Avail 12 YES Rewardz Points on every Rs. 200 for offline shopping
- Avail 6 YES Rewardz Points on every Rs. 200 on select categories
- Air Miles: Get 10 YES Rewardz Points= 1 InterMile / 1 Club Vistara Point
- Instant EMI: Pay in parts for transactions as low as Rs. 1500
- Post Purchase EMI: Convert payments into EMI with on-call service at attractive interest rates
- Quick Loan: Avail a loan amount within the card limit to fullfil immediate fund requirements
- Contactless Transactions
- 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
- For 6 months for mobile and electronic purchased online, get insurance cover of up to Rs. 50,000 against accidental damage
- Enjoy 4 green fee waiver per year- Get 1 Golf lesson per year at select golf courses in India
- Get up to 1.75% markup on foreign currency
Cons
- No railway lounge access
- No cashback offers
- Post exhaustion of the complimentary lounge access quota, applicable charges plus taxes will apply on airport lounge access for cardmember(s) and for each guest visit
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
