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Side-by-Side Comparison|Updated March 2026

Paytm HDFC Bank Credit Card vs SBI Card AURUM

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 Credit Card

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

SBI Card AURUM

8.5/10
Annual Fee₹9,999
Base Rewards1%
NetworkVisa
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Feature-by-Feature Comparison

FeaturePaytm HDFC Bank Credit CardSBI Card AURUM
Annual Fee₹500₹9,999
Joining Fee₹500₹9,999
Fee Waiver Spend₹50,000₹12,00,000
Base Reward Rate1%1%
Reward CurrencyCashpointsAURUM Reward Point
NetworkVisaVisa
Editor Rating7.2/108.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

Paytm HDFC Bank Credit Card

  • 0% on Paytm Recharges, Utilities,... — 500 pts/month
  • 0% on Other Paytm Spends — 500 pts/month

SBI Card AURUM

No accelerated rewards listed

Pros & Cons

Paytm HDFC Bank Credit Card

Pros

  • 3% cashback on Paytm app for recharges, utility bills, and movies.
  • 2% cashback on all other spends within the Paytm ecosystem.
  • 1% flat cashback on all other retail transactions.
  • Joining fee waiver on spending ₹30,000 within the first 90 days.

Cons

  • Monthly cashback caps (₹500 for 3% and 2% categories) limit high-value savings.
  • No complimentary airport lounge access in the base variant.
  • ₹50 redemption fee applicable for statement credit requests.

SBI Card AURUM

Pros

  • Welcome benefit of 40,000 points (₹10,000 value) fully offsets the joining fee.
  • Unlimited international lounge access with a rare complimentary guest visit per quarter.
  • Extensive lifestyle memberships including Club Marriott, Amazon Prime, and WSJ/Mint.
  • High-value milestone rewards including Apple and Taj vouchers worth up to ₹35,000 annually.

Cons

  • Low base reward rate of 1% compared to other super-premium cards.
  • Invite-only status makes it inaccessible to the general public.
  • High annual fee waiver threshold of ₹12 Lakhs.

Our Verdict

SBI Card AURUM edges ahead overall with a stronger combination of rewards and value. However, Paytm HDFC Bank Credit Card could be the better pick if its specific category strengths match your spending habits.

Choose Paytm HDFC Bank Credit Card if

Ideal for those who use Paytm for all utility bills, recharges, and movie bookings to maximize the 3% tier.

Choose SBI Card AURUM if

The card offers a suite of luxury memberships, concierge services, and a metal form factor that aligns with an elite lifestyle.

Frequently Asked Questions

Which is better: Paytm HDFC Bank Credit Card or SBI Card AURUM?
SBI Card AURUM edges ahead overall with a stronger combination of rewards and value. However, Paytm HDFC Bank Credit Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Paytm HDFC Bank Credit Card and SBI Card AURUM?
Paytm HDFC Bank Credit Card has an annual fee of ₹500, while SBI Card AURUM has an annual fee of ₹9,999. Paytm HDFC Bank Credit Card offers a fee waiver on ₹50,000 annual spend. SBI Card AURUM offers a fee waiver on ₹12,00,000 annual spend.
Which card has better rewards: Paytm HDFC Bank Credit Card or SBI Card AURUM?
Paytm HDFC Bank Credit Card offers a base reward rate of 1% with accelerated rewards on Paytm Recharges, Utilities,... and Other Paytm Spends. SBI Card AURUM offers 1% base rewards. The better choice depends on your primary spending categories.
Can I have both Paytm HDFC Bank Credit Card and SBI Card AURUM?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Paytm HDFC Bank Credit Card and SBI Card AURUM can complement each other if they cover different reward categories.
Which card is better for beginners: Paytm HDFC Bank Credit Card or SBI Card AURUM?
For beginners, Paytm HDFC Bank Credit Card may be more approachable with a lower annual fee of ₹500. However, evaluate based on your expected spending pattern rather than fee alone.

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