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Side-by-Side Comparison|Updated March 2026

Paytm HDFC Bank Business Credit Card vs Shaurya SBI Card

Detailed comparison of fees, rewards, benefits, and value to help you choose the right credit card for your spending pattern.

HDFC Bank

Paytm HDFC Bank Business Credit Card

7.2/10
Annual Fee₹500
Base Rewards1%
NetworkVisa
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SBI Card

Shaurya SBI Card

7.5/10
Annual Fee₹250
Base Rewards0.0625%
NetworkRuPay
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Feature-by-Feature Comparison

FeaturePaytm HDFC Bank Business Credit CardShaurya SBI Card
Annual Fee₹500₹250
Joining Fee₹500₹250
Fee Waiver Spend₹50,000₹50,000
Base Reward Rate1%0.0625%
Reward CurrencyCashPointsReward Points
NetworkVisaRuPay
Editor Rating7.2/107.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

Paytm HDFC Bank Business Credit Card

  • 0% on Paytm Recharge, Utility, Mo... — 500 pts/month
  • 0% on Other Paytm Spends — 500 pts/month

Shaurya SBI Card

  • 0.31% on CSD
  • 0.31% on Dining
  • 0.31% on Movies
  • 0.31% on Grocery

Pros & Cons

Paytm HDFC Bank Business Credit Card

Pros

  • 3% cashback on Paytm ecosystem including recharges, utilities, and movies
  • 1:1 redemption ratio (1 CashPoint = ₹1) when used for statement credit
  • Low annual fee waiver threshold of ₹50,000
  • Complimentary Paytm First Membership upon card activation

Cons

  • Monthly reward caps are relatively low (₹500 for 3% category)
  • No complimentary airport lounge access
  • Excludes rent and education spends from reward accrual

Shaurya SBI Card

Pros

  • Accelerated 5X reward points on CSD, dining, movies, and grocery spends.
  • Low annual fee of ₹250, easily waived on spending ₹50,000 annually.
  • Complimentary Personal Accident Insurance cover of ₹2 Lakh.
  • Welcome bonus of 1,000 reward points effectively offsets the joining fee.

Cons

  • No airport lounge access (available only on the Select variant).
  • Low base reward rate of 0.25% on non-accelerated categories.
  • Redemption fee of ₹99 + GST applies to reward redemptions.

Our Verdict

Both Paytm HDFC Bank Business Credit Card and Shaurya SBI Card are strong options. Your choice should depend on your spending pattern and which card's rewards align better with your lifestyle.

Choose Paytm HDFC Bank Business Credit Card if

Strong rewards on recurring business expenses like utility bills and recharges via Paytm.

Choose Shaurya SBI Card if

Tailored benefits for CSD canteen shopping and low maintenance costs.

Frequently Asked Questions

Which is better: Paytm HDFC Bank Business Credit Card or Shaurya SBI Card?
Both Paytm HDFC Bank Business Credit Card and Shaurya SBI Card are strong options. Your choice should depend on your spending pattern and which card's rewards align better with your lifestyle.
What is the annual fee difference between Paytm HDFC Bank Business Credit Card and Shaurya SBI Card?
Paytm HDFC Bank Business Credit Card has an annual fee of ₹500, while Shaurya SBI Card has an annual fee of ₹250. Paytm HDFC Bank Business Credit Card offers a fee waiver on ₹50,000 annual spend. Shaurya SBI Card offers a fee waiver on ₹50,000 annual spend.
Which card has better rewards: Paytm HDFC Bank Business Credit Card or Shaurya SBI Card?
Paytm HDFC Bank Business Credit Card offers a base reward rate of 1% with accelerated rewards on Paytm Recharge, Utility, Mo... and Other Paytm Spends. Shaurya SBI Card offers 0.0625% base rewards with bonuses on CSD and Dining. The better choice depends on your primary spending categories.
Can I have both Paytm HDFC Bank Business Credit Card and Shaurya SBI Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Paytm HDFC Bank Business Credit Card and Shaurya SBI Card can complement each other if they cover different reward categories.
Which card is better for beginners: Paytm HDFC Bank Business Credit Card or Shaurya SBI Card?
For beginners, Shaurya SBI Card may be more approachable with a lower annual fee of ₹250. However, evaluate based on your expected spending pattern rather than fee alone.

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