Summary
Paytm HDFC Bank Credit Card is a co-branded credit card launched by HDFC Bank in partnership with Paytm, especially for frequent users of the Paytm app who want to earn rewards and cashback on their daily spends. The card offers excellent value with its simple and easy-to-understand rewards program.
Customers earn 3% cashback on Paytm Mall, Movies, and Mini App transactions, 2% cashback on all other Paytm transactions, and 1% cashback on all other retail transactions. And if your transactions exceed ₹10,000 per month, you earn a further 1% cashback, which makes it even more profitable for heavy usage.
The Credit card charges a joining/annual fee of ₹500 plus GST. However, the charge can be waived by spending ₹30,000 within the first 90 days. There is a renewal fee waiver when you spend ₹50,000 in the previous year. Current early card members also have a choice of a monthly fee plan of ₹49 plus GST, which can be waived by spending ₹5,000 every month.
Introduction
Credit cards are an indispensable part of our lives in the modern age of technology. Be it online shopping or booking tickets, or paying bills, a credit card simplifies everything and saves time. One such hassle-free credit card is the Paytm HDFC Bank Credit Card. It is a co-branded credit card issued by Paytm in association with HDFC Bank, a leading private bank in India. This card is designed for customers who enjoy availing the facilities of Paytm for their day-to-day necessities, such as mobile recharge, purchases, travel, etc.
This credit card enables you to save more with every purchase. This card provides excellent cashback, rewards, and other benefits on shopping through Paytm or at other places. If you are a working professional, a student, or a person who is an online shopaholic, this card may be an ideal financial tool for you. The main idea of this card is to make the spending rewarding as well as hassle-free.
Application of Paytm HDFC Credit Card is also very effortless. You need not visit any bank branches. You just have to install the Paytm application and apply from there, in a few steps. The card has been designed to reach most people, including newcomers trying their hand at a credit card.
In summary, if you are a regular Paytm user and you want to have a card that gives you more value for your spending, the Paytm HDFC Bank Credit Card is worth considering. Not only does it help you to manage your finances, but it gives rewards and benefits at the same time. In the next paragraphs, we are going to describe all the characteristics of this card, compare the two versions, and explain how to apply for the card in step-by-step mode.
What is the Paytm HDFC Bank Credit Card?
The Paytm HDFC Bank Credit Card is a co-branded credit card developed by HDFC Bank and Paytm. It is ideal for users of the Paytm app to purchase, recharge, book tickets, pay bills, and much more. You get cashback, rewards, and numerous useful features every time you spend through it — primarily on the Paytm app.
The icing on the cake is that you can manage this credit card from the Paytm app itself. That is to say you can see your spends, pay your credit card bill, and see your rewards all under one roof. It’s a clever and convenient credit card for those who love making digital payments and wish to save money while spending.
What is the design of the Paytm HDFC Bank Credit Card?
Paytm HDFC Bank Credit Card has a modern and stylish appearance to match its cutting-edge features. It is offered in various colors, white, black, gold, and blue, from which customers can opt based on their interest.
There is a unique design on the face of the card that gives it a touch of class and makes it easily identifiable. The HDFC Bank and Paytm logo makes it very obvious that there is a tie-up between the two parties.
What are the benefits of the Paytm HDFC Bank Credit Card?
These are the best benefits:
1. Cashback Rewards:
- 3% Cashback on Paytm Mall, Movie, and Mini-App Transactions: In this, you are availed 3% cashback while shopping at Paytm Mall, purchasing a movie ticket, or availing services of the Paytm Mini-App. For instance, when you spend ₹1,000 on movie tickets through Paytm, you receive ₹30 as cashback.
- 2% Cashback on Other Paytm Spending: On other spendings on Paytm, like bill payments or booking of train travel, you get 2% cashback. So a payment of ₹1,000 on your utility bills would return ₹20 as cashback.
- 1% Cashback on All Other Retail Expenses: On retail transactions other than Paytm, such as retail stores and online websites, you get 1% cashback. For example, a transaction of ₹1,000 at a retail store will return ₹10 as cashback.
2. Milestone Benefit:
- By spending ₹10,000 or more in a month (not considering EMI, wallet, and rental expenses), you can earn an extra 1% cashback, up to ₹100 per month. That means an extra ₹100 cashback when you spend as per the desired criteria.
3. Spend-Based Fee Waiver:
- First-Year Fee Waiver: If you spend ₹30,000 (excluding EMI spends) in the first 90 days of card activation, the first-year membership fee is waived.
4. Other Benefits:
- 1% Fuel Surcharge Waiver: Enjoy a 1% waiver on fuel surcharge, a maximum of ₹250 per statement cycle, reducing your fuel expenses.
- Up to 4 Free Add-On Cards: Share the benefits of your credit card with relatives by availing up to four free add-on cards.
- Zero Liability on Lost Card: Immediately report loss of card in case of card loss to prevent zero liability on subsequent fraudulent transactions.
What are the fees for the Paytm HDFC Bank Credit Card?
Here is a simple Paytm HDFC Bank Credit Card fee breakup.
| Joining Fee | ₹500 plus GST |
| Annual Fee | ₹500 plus GST |
| Add-on Card Fee | There are no charges for additional cards for family members. |
| Finance Charges | If you don’t pay your bill in full, a 3.6% per month (43.6% annually) charge on the outstanding balance. |
| Cash Advance Fee | 2.5% of the amount withdrawn or ₹500, whichever is higher. |
| Late Payment Fee | For Statement Balance Less than Rs. 101 – Nil Rs. 101 – Rs. 500 – Rs. 150 Rs. 501 – Rs. 5,000 – Rs. 500 Rs. 5,001 – Rs. 20,000 – Rs. 750 Rs. 20,000 & above – Rs. 1,000 |
What are the criteria for getting a Paytm HDFC Bank Credit Card?
1. Age Requirement:
- You should be between 18 to 65 years of age.
2. Income Requirement:
- Salaried Applicants: The minimum net monthly income is required; however, the bank fixes the amount, which can differ based on the applicant’s profile.
- Self-Employed Applicants: A minimum ITR amount is needed; the bank fixes the specific amount and can differ with applicants.
3. Employment Status:
- You should have a regular job or business with a fixed income source.
4. Credit Score:
- A CIBIL score of 700 and above is preferred for sanction.
5. Residency:
- You should be an Indian resident and have a valid address proof.
What documents are required to get a Paytm HDFC Bank Credit Card?
The documents that you will have to submit to Get an Paytm HDFC Bank Credit Card are as below:
| Identity Proof | Aadhaar card, Passport, Voter ID, Driving license, PAN card |
| Address Proof | Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address |
| Income Proof | Salary slip for the last 3 months if you are a salaried employee Bank statement for the last 3 months ITR for self-employed persons |
| Photograph | The latest passport-sized photograph |
Where can the Paytm HDFC Bank Credit Card be used?
Here is the list of places where you can use it:
- With the Paytm HDFC Bank Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.
- You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.
- You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.
- You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.
- You can use your credit card to pay electricity and water bills, mobile bills, and internet services.
- You can use your Paytm HDFC Bank Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).
- The Paytm HDFC Bank Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.
What is the credit limit of the Paytm HDFC Bank Credit Card?
The credit limit of the Paytm HDFC Bank Credit Card will rely on your income, credit score, and banking relationship. Subject to eligibility, this is a high-end credit card, typically ranging from ₹5 lakh to ₹25 lakh or more.
If you hold a Priority Banking account, you may be extended a higher credit limit. You are also allowed by the bank to request a limit upgrade based on your spending and repayment record. To ascertain your actual limit, you may call HDFC Bank once you have made your application.
How do you apply for a Paytm HDFC Bank Credit Card?
Apply it through both these modes:
Online Application Process
- Visit the official website of HDFC Bank, i.e.
- Go to ‘Cards’, followed by ‘Credit Cards’.
- On that page, you can see numerous options for credit cards issued by HDFC Bank; for instance, you can choose the Paytm HDFC Bank Credit Card.
- Just hover your cursor on the Paytm HDFC Bank Credit Card, followed by selecting ‘Apply Now‘ from there.
- You will be asked to fill out your details, including your name, contact information, income details, and employment status.
- Be accurate and updated with the information provided.
- You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.
- After filling out the details and uploading the documents, review your application to make sure everything is correct.
- Apply online through the application form.
- The bank will check your application after you submit it. They can ask for extra documents or information if required.
- You will be informed about the status of your application, and if approved, your card will be delivered to you.
Offline Application Process
- You can walk into the nearest HDFC Bank branch to apply for the Paytm HDFC Bank Credit Card.
- Request for the credit card application form for the Paytm HDFC Bank Credit Card. They will provide you with the form and proceed accordingly.
- Fill in the details in the application form wherever it is required. Care should be taken that all the information about personal details, income, and jobs provided by the applicant should be correct.
- Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and a passport.
- Your application will be processed, and your information will be cross-checked at the bank level.
- In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.
- You will receive the Paytm HDFC Bank Credit Card by post at the same postal address.
- Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the HDFC Bank Card website or mobile app or by calling customer service.
- For security purposes, you must set your PIN (Personal Identification Number) before you can start using your credit card.
Would getting a Paytm HDFC Bank Credit Card in 2025 be right?
Yes, Paytm HDFC Credit Card in 2025 can prove to be a good option if you eat, watch movies, and shop excessively. The card provides beneficial rewards such as savings on movie tickets, additional points on dining, and lifestyle privileges.
If you pay with your credit card frequently for such purchases, you can save a lot of money in the long term. The yearly fee is low and can be exempted if you spend sufficiently within the year. Just ensure you pay your bills in time to prevent fees. So, if your usage pattern is compatible with the rewards of this card, it can be a good choice for 2025.
Conclusion
Paytm HDFC Bank Credit Card is a smart and rewarding option for those who are regular users of the Paytm app and anticipate gaining more benefits on their daily spends. This card has been designed to deliver value in the form of cashback, rewards, and savings – whether it is shopping online, bill payments, ticket bookings, or recharges.
One of the improved aspects of this card is the cashback feature. You earn 3% cashback on Paytm Mall, Movie, and Mini App spends, 2% cashback on other Paytm spends, and 1% cashback on all other retail spends. Small amounts can become big savings over some time, provided you are the kind of person who makes purchases or pays regularly using Paytm.
Another great benefit is the milestone reward, wherein you get extra cashback if your monthly spend crosses ₹10,000. You also get waivers of charges if you cross the spending levels — so if you use the card extensively, you will not be required to pay the annual or renewal fee.
Frequently Asked Questions (FAQ’s)
Ans: You can check your cashback and transaction history with ease via the Paytm app or HDFC Bank NetBanking and MobileBanking app.
Ans: Yes, you get a 1% fuel surcharge refund of ₹250 per month when you purchase fuel using the Credit card.
Ans: A minimum of ₹20,000 in monthly income is ideal. But it’s worth noting that it entirely depends upon HDFC Bank’s credit policy and your credit score.
Ans: You immediately report it through HDFC Bank’s customer care or NetBanking. Lost cards have no liability if reported promptly.
Ans: Yes, you can avail up to 4 free add-on cards for your family members who are above 18 years old.
