Paytm HDFC Bank Select Business Credit Card vs Paytm SBI Card: Which is Better in 2026?
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In short: SBI Paytm has the lower annual fee (₹499 vs ₹1,000); both charge a 3.5% forex markup.
| Key facts | Paytm HDFC Select Business | SBI Paytm |
|---|---|---|
| Annual fee | ₹1,000 | ₹499 |
| Joining fee | ₹1,000 | ₹499 |
| Annual fee waived | On ₹1 lakh annual spend | Not listed |
| Top reward rate | 5% Cashpoints on Purchases on Paytm | 3% Cashback on Paytm Mall |
| Base rewards | 1% Cashpoints on all other Retail Spends | Not in our data |
| Lounge access | 12 airport lounge visits a year | Not listed |
| Forex markup | 3.5% | 3.5% |
From issuer benefit data, checked 24 Oct 2026. Milestones, welcome benefits and caps are in the full table below.
Paytm Sbi Card lists a lower headline annual fee in our data (around ₹501 apart), before waivers. Paytm Hdfc Bank Select Business Credit Card currently has more lounge detail available from the issuer data we index. Always confirm current fees and offers on the issuer’s site before you apply.
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| Feature | Paytm Hdfc Bank Select Business Credit Card | Paytm Sbi Card |
|---|---|---|
| Bank | HDFC Bank | SBI Cards |
| Network | Visa | Visa |
| Joining fee | Joining Fee of Rs.1000 | Joining Fee of Rs.499 |
| Annual / renewal fee | Renewal Fee of Rs.1000 | Renewal Fee of Rs.499 |
| Annual fee waiver | Spend Rs.100000 For Renewal Fee Waiver | — |
| Top reward rate | 5% Cashpoints on Purchases on Paytm | Get 3% Cashback on Paytm Mall |
| Base rate (other spends) | 1% Cashpoints on all other Retail Spends | — |
| Lounge — domestic | 12 Complimentary Airport Lounge Access Per Calendar Year | — |
| Fuel surcharge waiver | 1% Fuel Surcharge Waiver | 1% Fuel Surcharge Waiver |
| Welcome benefit | Activation Benefits - Enjoy Rs.500 Worth Gift Voucher | Enjoy Complimentary Paytm First Membership |
| Milestone benefit | Get Rs.1000 Gift Voucher on Spend Rs.2 Lakhs | Get e-Voucher For Renewal of Paytm First Membership on Spends of Rs.100000 |
| Foreign currency markup | 3.50% - Foreign Currency Transactions | 3.5% - Foreign Currency Transactions |
Which is better for rewards?
Paytm Hdfc Bank Select Business Credit Card shows a higher headline earn signal in the reward summaries we index (5% Cashpoints on Purchases on Paytm vs Get 3% Cashback on Paytm Mall). If you optimise for points or cashback on daily spend, start with that card’s reward bands — then model redemptions you actually use.
Which is better for travel?
Paytm Hdfc Bank Select Business Credit Card has richer lounge-related fields in our current benefits extract (domestic: 12 Complimentary Airport Lounge Access Per Calendar Year; international: —). Frequent flyers should still confirm guest access, visit limits and participating airports with the issuer.
Which has lower effective cost?
Paytm Sbi Card appears cheaper on headline renewal fee in our data before waivers. If you are fee-sensitive, also read the waiver rules in the table — a higher sticker fee can still be net-negative cost if you naturally clear spend thresholds.
Who should pick Paytm Hdfc Bank Select Business Credit Card?
Consider Paytm Hdfc Bank Select Business Credit Card if you already bank with HDFC Bank, and the fee, waiver and earn rows above line up with how you spend each month. Use CardChat on that card for deeper, personalised follow-ups.
Who should pick Paytm Sbi Card?
Consider Paytm Sbi Card if you already bank with SBI Cards, and the fee, waiver and earn rows above line up with how you spend each month. Use CardChat on that card for deeper, personalised follow-ups.
Frequently Asked Questions
From the lounge fields in our benefit data: Paytm Hdfc Bank Select Business Credit Card — domestic: 12 Complimentary Airport Lounge Access Per Calendar Year; international: —. Paytm Sbi Card — domestic: —; international: —. Guest rules, networks and visit caps change — confirm on the HDFC Bank and SBI Cards websites before you travel.
From the renewal-fee lines we index, the headline amounts are about ₹499 vs ₹1,000 per year before taxes and waivers. Campaigns and customer-specific pricing differ — use the comparison table and the HDFC Bank and SBI Cards websites for the final number.
On the first reward band we surface, Paytm Hdfc Bank Select Business Credit Card shows a stronger headline earn (5% Cashpoints on Purchases on Paytm vs Get 3% Cashback on Paytm Mall). Category bonuses, caps and redemption value decide real-world returns — map this to where you actually spend.
Paytm Hdfc Bank Select Business Credit Card: Spend Rs.100000 For Renewal Fee Waiver Paytm Sbi Card: Waiver wording not in our benefit extract — check SBI Cards. Spend thresholds and anniversary rules change; confirm the latest T&Cs.
Paytm Hdfc Bank Select Business Credit Card: 3.50% - Foreign Currency Transactions Paytm Sbi Card: 3.5% - Foreign Currency Transactions Lower published foreign-currency markup is usually better for overseas and foreign-currency online spend; confirm the live rate and exclusions on the HDFC Bank and SBI Cards websites.
Paytm Hdfc Bank Select Business Credit Card: Activation Benefits - Enjoy Rs.500 Worth Gift Voucher Paytm Sbi Card: Enjoy Complimentary Paytm First Membership Welcome campaigns are time-bound — verify eligibility and fulfilment on the HDFC Bank and SBI Cards websites.