Paytm HDFC Bank Credit Card VS Paytm AU Credit Card VS Paytm HDFC Bank Business Credit Card VS Paytm HDFC Bank Mobile Credit Card
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
Paytm HDFC Bank Credit Card
Paytm AU Credit Card
Paytm HDFC Bank Business Credit Card
Paytm HDFC Bank Mobile Credit Card
Who is it for?
Who is it for?
Who is it for?
Who is it for?
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.
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.
Offers significant cashback of up to 3% on Paytm for utilities, movies, and recharges.
Provides quick business loans with up to 50 interest-free days, beneficial for professionals.
Includes valuable milestone benefits like gift vouchers on annual spending thresholds.
Features a fuel surcharge waiver and contactless payment for daily convenience.
Pros
Key benefits and features.
Earn up to 2% cashback on your spends across Paytm Mall, movies, and mini app.
Receive a consistent 0.5% cashback on all other online and offline retail purchases.
Benefit from a 1% fuel surcharge waiver on transactions over ₹400, capped monthly.
Annual fee can be easily waived by spending ₹25,000 or more in the previous year.
Unlock benefits of a superior Paytm HDFC Bank Credit Card via milestone spends.
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.
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.
The card has been discontinued, limiting new applications and future availability.
Cashback value significantly drops to 1% for transactions outside the Paytm ecosystem.
Lacks complimentary airport lounge access, a common feature for business credit cards.
The cash advance fee reversal benefit was disabled from April 01, 2023.
Cons
Key drawbacks and limitations.
Cashback earnings are subject to monthly caps, limiting overall savings potential.
Does not offer cashback on crucial categories such as fuel, rent, and wallet reloads.
A significant 3.5% foreign currency markup makes international transactions costly.
Carries a high annual interest rate of 45%, making revolving credit expensive.
Lacks premium perks like airport lounge access, golf privileges, or comprehensive insurance.