Paytm HDFC Bank Select Credit Card: Features & Charges

Summary

Paytm HDFC Bank Select Credit Card is a co-branded credit card provided by HDFC Bank and Paytm to provide customers with decent rewards and cashback on daily spending, especially on the Paytm platform. The card is designed for digitally savvy customers who frequently use the Paytm platform to recharge, pay bills, shop, book tickets, and more.

The card provides 3% cashback (Paytm First Points) on all spending via the Paytm app in particular categories and 1% cashback on all other online and offline transactions. The points may be encashed on the Paytm app itself on different services or purchases, thus a convenient card for habitual Paytm users.

You also get a welcome benefit of ₹750 in Paytm First Points and a complimentary Paytm First Membership (valued at ₹750) on making a spend of ₹1 lakh in one year. The card also provides 4 complimentary domestic airport lounge visits in a year and a 1% fuel surcharge refund on fuel spends.

Introduction

In the current times, everyone prefers to use credit cards for their daily spending, air tickets and hotel bookings, and bill payments. Credit cards are not just convenient but also provide many rewards and cashback benefits. Paytm HDFC Bank Select Credit Card is one of the convenient credit cards. This credit card is a culmination of efforts by Paytm, India’s most popular digital payments platform, and HDFC Bank, which is one of India’s leading private sector banks. This card has been specially designed for Paytm users who avail of the services regularly for day-to-day transactions.

Paytm HDFC Bank Select Credit Card offers all kinds of features that are most suitable for digital users. If you shop online regularly, pay bills through apps, or book tickets on Paytm, this card could be perfect for you. This card rewards you in terms of cashback in the form of Paytm First Points, which you can use to shop on the Paytm app or to pay bills. You can also get discounts and offers on various categories like travel, movies, and shopping. Plus, if you’re a Paytm First member, you’ll get even more rewards with this card.

Safety is also a big plus with this card. Since it’s supported by HDFC Bank and run on Paytm’s secure platform, you can be sure your money is safe. You can keep track of your card usage, pay bills, and manage transactions right from the Paytm app, making it very user-friendly.

What is the Paytm HDFC Bank Select Credit Card?

The Paytm HDFC Bank Select Credit Card is a co-branded credit card created by HDFC Bank and Paytm. It is meant for those individuals who heavily use the Paytm app for shopping, bill payments, ticket purchases, and more. The card enables customers to earn cashback and reward points called Paytm First Points whenever they pay using the card. These points can be exchanged to enjoy discounts or buy stuff on the Paytm platform.

The card is utilized just like a regular credit card — you can pay online or in-store and subsequently clear the bill. But the icing on the cake, you also get other benefits like cashback, offers, and special deals when you utilize it on Paytm. It also has a convenient method of verifying your card details and paying bills without exiting the Paytm app. Therefore, if you use Paytm frequently, this credit card can be a rewarding and intelligent option for you.

What is the design of the Paytm HDFC Bank Select Credit Card?

Paytm HDFC Bank Select Credit Card has a sleek and advanced design worthy of its premium-level category. The card is mostly dark blue, connoting credibility and reliability. A complicated, circular pattern with a motive that takes cue from the historical motifs of India, occupies the card’s center and imparts an air of sophistication to culture.

The cardholder’s name is written in simple white letters, giving it readability and simplicity. HDFC Bank logo and Paytm logo occupy the center position, representing that the two are together. The innovative design fuses beauty and functionality by showing the card to be functional and beautiful.

What are the benefits of the Paytm HDFC Bank Select Credit Card?

Earn Cashback on All Spend

You get 3% cashback (as Paytm First Points) on spend via the Paytm app on categories like:

• Mobile recharge
• Bill payments
• Movie ticket
• Travel bookings
• Shopping

You get 1% cashback (as Paytm First Points) on all other spending online and offline (except Paytm).

Welcome Bonus

• The moment you opt for the card and initiate the first transaction, you are eligible for a welcome benefit worth ₹750 in the form of Paytm First Points.

Paytm First Membership

Get free 12-month Paytm First Membership (₹750 value) on spends of ₹1,00,000 or more in a year.

Convert Points to Paytm Balance

• You can use your Paytm First Points for:
• Buying stuff at Paytm Mall
• Recharging mobile
• Billing payments
• Booking movie/travel tickets at Paytm app

1 Paytm First Point = ₹1 (in majority of cases)

Lounge Access

• Get 4 complimentary domestic airport lounge visits in a year (1 each quarter).

Fuel Surcharge Waiver

• Get a 1% fuel surcharge refund on spends between ₹400 and ₹5,000 (max ₹250 per cycle).

Easy Payment Tracking & Bills

• Monitor spending, see statements, and pay your card bill easily using the Paytm app.

Secure Payments & Contactless

• It has a tap-and-pay (contactless) mode to pay quickly and securely.

What are the fees for the Paytm HDFC Bank Select Credit Card?

Here is a simple Paytm HDFC Bank Select Credit Card fee breakup.

Joining Fee	₹1,000 plus GST
Annual Fee	₹1,000 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 Select 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 Select Credit Card?

The documents that you will have to submit to Get a Paytm HDFC Bank Select 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 Select Credit Card be used?

Here is the list of places where you can use it:

• With the Paytm HDFC Bank Select 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 Select Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).

• The Paytm HDFC Select 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 Select Credit Card?

The credit limit of the Paytm HDFC Bank Select 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 Select 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 Select Credit Card.

• Just hover your cursor on the Paytm HDFC Select 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 Select Credit Card.

• Request for the credit card application form for the Paytm HDFC Bank Select 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 Select 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 Select Credit Card in 2025 be right?

Yes, the Paytm HDFC Select 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 exempt 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 Select Credit Card is an intelligent and handy credit card suited for those who shop and make payments online, especially on Paytm. This card leverages the strength of HDFC Bank’s strong banking features and the large digital canvas of Paytm to give clients a hassle-free and rewarding experience. It’s specifically meant for those who are used to conducting digital payments and want rewards for day-to-day spending.

One of the biggest benefits of this Credit card is the Paytm First Points you earn for every transaction. Be it recharging your mobile, booking a movie ticket, paying bills, or shopping online, you earn cashback in the form of points that can be redeemed again on Paytm. The reward system is simple: 3% cashback on Paytm app spends and 1% cashback on other purchases, so the card is a decent choice for heavy Paytm spenders. The bonus of getting a free Paytm First membership and lounge access at airports makes the card more worthy.

At the fees end, annual fees are reasonable and can be easily waived if you use the card sensibly. You also get a welcome benefit, fuel surcharge waiver, and secure contactless payment facilities. Another great benefit is that you can do all this from your Paytm app — from checking your statement to paying your card bill — in a matter of clicks. That means you don’t have to budge anywhere or call customer care multiple times.

Frequently Asked Questions (FAQ’s)