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Paytm SBI Credit Card VS RBL Bank QuickPay Credit Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
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Last updated: 21 July 2026

RBL Bank QuickPay charges a low ₹99 + GST and is explicitly built for first-time cardholders, with a 20% cashback welcome offer on initial UPI transactions and a simple points system. Paytm SBI Card charges ₹499 + GST but bundles a Paytm First Membership worth ₹899 that largely offsets the fee, plus up to 3% cashback in the Paytm ecosystem. For the absolute lowest-cost entry into credit, QuickPay wins on fee alone; if you're a regular Paytm user, the bundled membership makes the higher fee worthwhile.

Paytm SBI Credit Card
Paytm SBI Credit Card
RBL Bank QuickPay Credit Card
RBL Bank QuickPay Credit Card

Fees & Charges

Joining Fee₹499 + GST
Joining Fee₹99 + GST
Renewal Fee₹499 + GST
Renewal Fee₹99 + GST
Spend Based WaiverGet a complimentary Paytm First Membership voucher on achieving annual retail spends of Rs. 1 Lakh.
Spend Based WaiverNot applicable.
Foreign Transaction Fees3.5% of the amount transacted.
Foreign Transaction Fees3.5%
Interest Rate (APR)3.50% per month (42% per annum).
Interest Rate (APR)Up to 3.99% per Month (47.88% per Annum)

Rewards & Benefits

Welcome BonusComplimentary Paytm First Membership valued at Rs. 899, activated post first retail transaction.
Welcome BonusEnjoy 20% cashback on your first two UPI transactions, capped at ₹50, within 15 days of card issuance.
Rewards RateEarn 3% cashback on Paytm Mall, movies, travel; 2% on other Paytm app spends; 1% on other transactions.
Rewards RateEarn 1 Reward Point for every ₹200 spent on eligible transactions.
Reward TypeCashback
Reward TypeReward Points
Reward Redemption FeeRs. 99 while redeeming specific vouchers, gifts, and cash redemption.
Reward Redemption Fee

Travel & Lifestyle

Domestic Lounge Access
Domestic Lounge Access
International Lounge Access
International Lounge Access
Travel Benefits3% cashback on Paytm travel bookings.
Travel Benefits
Movie Benefits3% cashback on Paytm movies.
Movie Benefits
Dining Benefits
Dining Benefits
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% fuel surcharge waiver on transactions between Rs. 500-3,000, max Rs. 100/cycle.
Fuel Surcharge Waiver1% waiver on fuel surcharge

Security & Other

Insurance BenefitsCyber Fraud Insurance cover of Rs. 1,00,000 for deceitful transactions.
Insurance Benefits
Cash Advance Charges2.5% of amount withdrawn, subject to a minimum of Rs. 500.
Cash Advance Charges2.5% or ₹500, whichever is lower.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

Paytm SBI Credit Card

RBL Bank QuickPay Credit Card

Who is it for?

The Paytm SBI Credit Card, now discontinued, was an entry-level co-branded card ideal for frequent Paytm users and new credit cardholders. It offered a robust cashback program, including up to 3% on Paytm Mall, movies, and travel, alongside a complimentary Paytm First Membership. Cardholders also benefited from a Cyber Fraud Insurance cover and a nominal annual fee. This card was well-suited for individuals looking to maximize savings on Paytm-related transactions and build their credit history.

Who is it for?

The RBL Bank QuickPay Credit Card is an entry-level credit card from RBL Bank, ideal for beginners establishing credit history. It features an affordable ₹99 + GST fee and focuses on basic reward points, including a 20% cashback on initial UPI transactions. This card serves as a digital-first companion for online and UPI-based transactions, offering a simple stepping stone into credit without extensive lifestyle perks.

Pros

Key benefits and features.

Offers up to 3% cashback on Paytm Mall, movies, and travel, maximizing savings.

Includes a complimentary Paytm First Membership valued at Rs. 899 with benefits.

Provides Cyber Fraud Insurance cover of Rs. 1,00,000 for enhanced transaction security.

Ideal for new credit card users and frequent Paytm app transactors to build credit.

Pros

Key benefits and features.

The RBL Bank QuickPay Credit Card features a very low joining fee of just ₹99 + GST.

New users receive an attractive 20% cashback welcome offer on their initial UPI transactions.

It offers a straightforward rewards structure, earning 1 Reward Point for every ₹200 spent.

Cons

Key drawbacks and limitations.

This credit card has been officially discontinued, limiting new applications.

Cashback is not applicable on e-wallet loading transactions, a common Paytm use.

High foreign currency markup of 3.5% makes international spends less rewarding.

Rewards structure will change to points from July 2024, altering current benefits.

Cons

Key drawbacks and limitations.

The RBL Bank QuickPay Credit Card lacks premium benefits like lounge access, dining, or travel perks.

Reward point accrual is excluded for many common categories such as fuel, utilities, and insurance.

The card has a relatively low reward rate, offering limited value on general spending.

Eligibility for the QuickPay Credit Card is restricted to existing RBL Bank cardholders.

A separate fee of ₹250 + GST is charged for the issuance of a physical card.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
Apply for Paytm SBI Credit Card(opens in new tab)Apply for RBL Bank QuickPay Credit Card(opens in new tab)