Paytm AU Credit Card VS Paytm HDFC Bank Credit Card
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
Paytm AU Credit Card
Paytm HDFC Bank Credit Card
Who is it for?
Who is it for?
Pros
Key benefits and features.
Lifetime-free credit card with no joining or annual fees, ideal for daily use.
Competitive reward rates on Paytm-specific transactions and general spends.
Valuable travel benefits, including complimentary domestic airport lounge access.
Provides a fuel surcharge waiver, adding to everyday savings.
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.
Cons
Key drawbacks and limitations.
Limited lifestyle benefits, with no specific perks for movies, dining, or international lounge access.
Reward points capped at 3,000 per statement cycle, limiting high spenders.
A redemption fee of ₹99 + GST applies when converting reward points.
High foreign currency markup of 3.49% makes international spends costly.
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.