Paytm HDFC Bank Credit Card VS Paytm HDFC Bank SELECT Business Credit Card
Both Paytm HDFC Bank Credit Card and Paytm HDFC Bank SELECT Business Credit Card suit shopping-focused spenders, but they earn and cost differently. Paytm HDFC Bank Credit Card costs ₹500 + GST and earns up to 3% cashback on Paytm spends, 2% on other Paytm spends, and 1% on other retail spends. Paytm HDFC Bank SELECT Business Credit Card costs ₹1,000 + GST and earns 5% on Paytm Mall, 3% on Travel & bill payments via Paytm App, 1% on other spends. Paytm HDFC Bank Credit Card also brings complimentary Paytm First membership, while Paytm HDFC Bank SELECT Business Credit Card counters with 12 complimentary access to Domestic Airport Lounges per year (capped at 3 visits per Quarter). If movies spending matters more, go with Paytm HDFC Bank Credit Card; if business is the priority, Paytm HDFC Bank SELECT Business Credit Card fits better.
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
Paytm HDFC Bank Credit Card
Paytm HDFC Bank SELECT Business Credit Card
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.
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.
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.