HDFC Bank Millennia Credit Card VS Paytm HDFC Bank Credit Card VS HDFC Bank BizPower Credit Card VS HDFC Bank Flipkart Wholesale Credit Card
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
HDFC Bank Millennia Credit Card
Paytm HDFC Bank Credit Card
HDFC Bank BizPower Credit Card
HDFC Bank Flipkart Wholesale Credit Card
Who is it for?
Who is it for?
Who is it for?
Who is it for?
Pros
Key benefits and features.
High 5% cashback on popular partner merchants including Myntra, Amazon.
Renewal fee waiver on spending ₹1 Lakh in the card anniversary year.
Provides substantial savings for digital-savvy consumers on daily spends.
Pros
Key benefits and features.
Highly beneficial for frequent Paytm users, offering enhanced cashback rates on app transactions.
Provides up to 50 days of interest-free credit, allowing greater financial flexibility on purchases.
Includes Zero Cost Card Liability, protecting against fraudulent transactions if reported promptly.
Offers decent cashback and promotions on spends made within the extensive Paytm ecosystem.
Pros
Key benefits and features.
Earn 5X reward points on essential business spends like tax, GST, Google Ads, and business software.
Offers extensive complimentary domestic and international lounge access for business travelers.
High reward point value, up to ₹0.65 per point, offering excellent returns on business spending.
Low foreign currency markup of 2% makes international business transactions more cost-effective.
Pros
Key benefits and features.
High 5% cashback on Flipkart Wholesale, utility, and government payments.
Unlimited domestic airport lounge access enhances travel for business users.
Zero liability protection offers security against unauthorized fraudulent transactions.
Enjoy up to 50 days of interest-free credit, providing significant financial flexibility.
No joining fee and a renewal fee easily waived with ₹3 lakh annual spend.
Cons
Key drawbacks and limitations.
Earns a lower 1% cashback on offline/online spends at non-partner merchants.
Accelerated 5% cashback is capped at 1,000 CashPoints per statement cycle.
A minimum of 500 CashPoints are required to redeem against statement balance.
Cons
Key drawbacks and limitations.
Lacks complimentary lounge access, which might be a drawback for frequent travelers.
The cashback rate for transactions outside the Paytm ecosystem is a relatively low 1%.
Cashback benefits are excluded for key categories such as fuel, wallet reloads, and rental payments.
Cons
Key drawbacks and limitations.
No inherent comprehensive insurance benefits; business insurance plans require separate purchase.
Does not offer a fuel surcharge waiver, increasing costs on fuel transactions.
A reward redemption fee of ₹99 plus GST is charged for each redemption.
Accelerated reward points are capped at 7,500 per statement cycle, limiting high earners.
Cons
Key drawbacks and limitations.
Cashback benefits are subject to monthly caps, limiting savings for high spenders.
Additional fees apply to rent, education, and high-value fuel transactions.
A 3.5% foreign currency markup is relatively high for international transactions.
Strict eligibility criteria for self-employed with minimum ₹6 lakh ITR.