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AU Nouveau vs HDFC Paytm Cashback

Compare AU Nouveau vs HDFC Paytm Cashback across fees, rewards, cashback, lounge access, and eligibility to shortlist the best fit.

Comparison cockpit

Futuristic side-by-side card intelligence

AU Nouveau leads on reward rate, while HDFC Paytm Cashback has the lowest annual fee.

Card 1

AU Nouveau

Everyday users who prefer steady rewards, manageable fees, and simple eligibility.3.6

Card 2

HDFC Paytm Cashback

Everyday users who prefer steady rewards, manageable fees, and simple eligibility.4.5
AU Nouveau - AU credit card
Balanced value3.6

au / VISA

AU Nouveau

Annual

₹999

Return

2.5%

Lounges

2

Forex

3.49%

Card summary
  • AU Nouveau leans reward-led with ₹999 annual fee, 2.5% headline return potential, and 2 lounge access.
Pros
  • Strong benefit ceiling if you recover the ₹999 annual fee.
  • 2.5% reward rate can outperform flat cashback for loyal users.
  • 2 lounge access adds travel utility.
Cons
  • 3.49% forex markup can reduce overseas value.
  • Eligibility still depends on bank policy and credit history.
  • Travel benefits are limited compared with premium cards.
Best for

Everyday users who prefer steady rewards, manageable fees, and simple eligibility.

Value profile

Balanced fee-to-benefit setup for regular card users.

Full card details
HDFC Paytm Cashback - HDFC credit card
Balanced value4.5

hdfc / MASTERCARD

HDFC Paytm Cashback

Annual

₹500

Return

2.5%

Lounges

0

Forex

3.5%

Card summary
  • HDFC Paytm Cashback leans reward-led with ₹500 annual fee, 2.5% headline return potential, and 0 lounge access.
Pros
  • Strong benefit ceiling if you recover the ₹500 annual fee.
  • 2.5% cashback keeps value easy to understand.
  • Simple everyday positioning without premium travel complexity.
Cons
  • 3.5% forex markup can reduce overseas value.
  • Eligibility still depends on bank policy and credit history.
  • Travel benefits are limited compared with premium cards.
Best for

Everyday users who prefer steady rewards, manageable fees, and simple eligibility.

Value profile

Balanced fee-to-benefit setup for regular card users.

Full card details
Metric
AU Nouveau
HDFC Paytm Cashback
Fees
Annual fee
₹999
₹500
Joining fee
₹999
₹500
Rewards
Cashback rate
0.75%
2.5%
Reward rate
2.5%
2%
Travel
Forex markup
3.49%
3.5%
Domestic lounges
2
0
International lounges
0
0
Benefits
Fuel waiver
Yes
Yes
Dining
Yes
No
Movies
Yes
No
Eligibility
Minimum income
₹3,50,000
₹2,00,000

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