Paisabazaar Paisa+ Credit Card
Rs 499Annual fee
Rs 50,000Fee waiver spend
0Domestic lounge
3.5%Forex markup
Best for
Cashback, Secured Card, UPI, Online Spends
Top rewards
Online Spends: 1.5% cashback on online spends (for FDs above ₹10,000; 1% for FDs below ₹10,000); Offline Retail Spends: 1% cashback on offline spends; UPI Spends: 1% cashback on eligible UPI transactions of ₹2,000 and above
CheQ Credit Card
Rs 499Annual fee
Rs 3,00,000Fee waiver spend
0Domestic lounge
3.49%Forex markup
Best for
Cashback, Cheq, Travel, UPI, Utility Bills, Amazon
Top rewards
Select Brands On CheQ (Amazon, Flipkart, Zomato, BigBasket, Apple Via Unicorn): 24 CheQ Points per ₹200 spent; CheQ Travel Bookings And Utility Bill Payments On CheQ App: 24 CheQ Points per ₹200 spent; Other Eligible Shopping, Dining, Food Delivery, And Online Grocery Spends: 10 CheQ Points per ₹200 spent
| Feature | Paisabazaar Paisa+ Credit Card | CheQ Credit Card |
|---|---|---|
| Issuer | SBM Bank | AU Small Finance Bank |
| Network | RuPay | Visa, RuPay |
| Joining fee | Rs 0 | Rs 499 |
| Annual fee | Rs 499 | Rs 499 |
| Fee waiver spend | Rs 50,000 | Rs 3,00,000 |
| Reward type | Cashback | Cashback And CheQ Points |
| Best for | Cashback, Secured Card, UPI, Online Spends | Cashback, Cheq, Travel, UPI, Utility Bills, Amazon |
| Top reward categories | Online Spends: 1.5% cashback on online spends (for FDs above ₹10,000; 1% for FDs below ₹10,000); Offline Retail Spends: 1% cashback on offline spends; UPI Spends: 1% cashback on eligible UPI transactions of ₹2,000 and above | Select Brands On CheQ (Amazon, Flipkart, Zomato, BigBasket, Apple Via Unicorn): 24 CheQ Points per ₹200 spent; CheQ Travel Bookings And Utility Bill Payments On CheQ App: 24 CheQ Points per ₹200 spent; Other Eligible Shopping, Dining, Food Delivery, And Online Grocery Spends: 10 CheQ Points per ₹200 spent |
| SmartBuy / accelerated caps | Not Listed | Not Listed |
| Domestic lounge | 0 | 0 |
| International lounge | 0 | 0 |
| Forex markup | 3.5% | 3.49% |
| Milestone benefits | Not Listed | Not Listed |
| Redemption | Statement credit: upto ₹ 1 per point | Statement credit: upto ₹ 0.25 per point |
| Key exclusions | Fuel spends, EMI transactions, Wallet loading transactions, ATM withdrawals and cash advances, Purchase of gold or jewellery, Rent payments | Fuel purchases, Education spends, Gold purchases, Gambling transactions, Insurance payments, Utility payments made outside the CheQ app |