Paytm AU Credit Card VS Paytm HDFC Bank Credit Card VS Paytm HDFC Bank SELECT Business Credit Card VS Paytm SBI Credit Card Select
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
Paytm AU Credit Card
Paytm HDFC Bank Credit Card
Paytm HDFC Bank SELECT Business Credit Card
Paytm SBI Credit Card Select
Who is it for?
Who is it for?
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.
Pros
Key benefits and features.
Earn high cashback rates: 5% on Paytm Mall, 3% on Paytm App travel & bill payments.
Enjoy 12 complimentary domestic airport lounge accesses annually for comfortable travel.
Benefit from comprehensive insurance covers and convenient contactless payment support.
Access quick business loans and an extended credit-free period of up to 50 days.
Pros
Key benefits and features.
Excellent cashback rates on Paytm Mall, Movies, Travel, and other Paytm App spends.
Complimentary Paytm First Membership and Rs 750 welcome cashback on activation.
Includes both domestic and international airport lounge access for frequent travelers.
Cyber Fraud Insurance Cover of Rs 2 Lacs provides enhanced security for transactions.
Attractive milestone benefits reward high spenders with vouchers and membership renewal.
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.
Cons
Key drawbacks and limitations.
General spends earn a relatively low 1% cashback compared to other premium cards.
Benefits are maximized only when transactions are primarily within the Paytm ecosystem.
The annual fee of Rs. 1,000 applies if spend-based waiver conditions are not met.
Cons
Key drawbacks and limitations.
Standard foreign currency markup of 3.5% is applicable on international transactions.
A rewards redemption fee of Rs 99 is charged for redeeming earned reward points.
Cashback is not applicable on wallet load and fuel spends, limiting earning potential.
Priority Pass international lounge visits incur a $27 + taxes charge per visit.