Paytm HDFC Credit Card is the basic variant of the co-branded cards which HDFC Bank has launched with Paytm. If you prefer Paytm for most of your spends, ranging from travel, movies to retail shopping, this card can be a good fit for you. The card offers cashback on all transactions with up to 3% cashback on Paytm spends. Thereby, you get valueback on almost all spending categories. Read on to know more about Paytm HDFC Credit Card.
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Key Highlights of Paytm HDFC Credit Card |
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| Card Type | Entry-level |
| Best Suited For | Cashback |
| Monthly Fee | Rs. 500+GST |
| Welcome Benefit | Paytm First Membership |
| Best Feature | Up to 3% cashback on Paytm transactions |
| Paisabazaar’s Rating | ★★★(3/5) |
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Note: This Card is not available on Paisabazaar.com. The content on this page is for information only. To express interest in this card, please visit HDFC Bank’s website.
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Welcome Benefit: This credit card offers Paytm First Membership which is a premium subscription based reward & loyalty program for Paytm users, as a welcome benefit. This benefit can be availed on minimum one transaction of Rs. 100 with this card.
Cashback: With this HDFC Bank credit card, you can get the following cashback benefits:
Note that the cashback earned on Paytm is not applicable to wallet reloads, fuel transactions and EMI spends. Also, the cashback earned is given in the form of Paytm vouchers.
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Milestone Benefits: On spending Rs. 10,000 per month on non-EMI transactions, you get 1% cashback. This is capped at Rs. 100 per month. Thereby, you can earn up to Rs. 1,200 cashback per year as milestone benefit.
Other Benefits: Some other benefits of HDFC Paytm Credit Card are:
Paytm HDFC Credit Card is a co-branded credit card that offers various cashback benefits. However, the benefits of this card seem more like that of a co-branded card instead of a cashback credit card. The cashback benefits are not entirely generic but limited to transactions done on Paytm and via Paytm.
Therefore, it is better to opt for this credit card only when you use Paytm majorly for your online transactions. If not, you should look out for other cashback credit cards that can offer more extensive benefits. Also, even if you are looking for benefits exclusive on Paytm, you can check the superior version, HDFC Bank Paytm Select Credit Card for better benefit across Paytm transactions. However, in consideration of a lower fee, you can apply for Paytm HDFC Bank Mobile Credit Card.
| Fee type | Details |
| Monthly Fee | Rs. 500+ GST (waived off on spending Rs. 50,000 in a year) |
| Cash Advance Fee | 2.5% of the transaction amount or Rs. 500, whichever is higher |
| Foreign Exchange Markup Fee | 3.5% |
| Late Payment Charges | On outstanding balance of –
Up to Rs. 100: Nil |
Click here to check other associated terms and conditions. Also, check HDFC credit card charges.
| Criteria | Details |
| Age | Minimum 18 years |
| Occupation | Salaried or Self-employed |
| Serviceable Cities | Click here for the list of eligible cities |
| Documents Required | Click here for the list of documents required |
| Credit Card | Annual Fee | Comparative Feature |
| Paytm SBI Credit Card | Rs. 499 | Up to 3% cashback on Paytm transactions |
| Amazon Pay ICICI Bank Credit Card | Nil | Up to 5% cashback on Amazon & 1% flat cashback across all spends |
| Flipkart Axis Bank Credit Card | Rs. 500 | 5% cashback on Flipkart, & Myntra |
| Axis Ace Credit Card | Rs. 499 | 5% cashback on bill payments, DTH & mobile recharge via Google Pay |
Can I withdraw cash using the Paytm HDFC Credit Card?
Yes, you can withdraw cash using your Paytm HDFC Credit Card. The cash advance limit on this credit card is 40% of the credit limit. However, note that the cash withdrawal via this credit card is chargeable at 2.5% of the transaction amount or Rs. 500, whichever is higher.
Can I get a new card, if I lost my Paytm Credit Card?
Yes, in case you lose or damage your credit card, you can get a replacement card by paying a fee of Rs. 100. For safety purposes, ensure informing the bank at the earliest, if your card is lost or stolen.
What is the validity for reward points on my HDFC Bank Paytm Credit Card?
The reward points earned on your HDFC Paytm Credit Card are valid for a period of two years. Also, note that all rewards earned via this card are in multiples of Rs. 150.
