What is the Paytm HDFC Bank Business Credit Card?

The Paytm HDFC Bank Business Credit Card is a co-branded card for Paytm users and businesses, offering loans and cashback benefits.

What are the joining and renewal fees for the Paytm HDFC Bank Business Credit Card?

The joining and renewal fees for the Paytm HDFC Bank Business Credit Card are both ₹500 + GST.

How can I get a fee waiver for my Paytm HDFC Bank Business Credit Card?

First-year fee is waived on ₹30,000 spend in 90 days. Renewal fee is waived on ₹50,000 spend in the preceding 12 months.

What are the main cashback benefits of the Paytm HDFC Bank Business Credit Card?

Earn up to 3% cashpoints on Paytm Recharge/Utility/Movies, 2% on select Paytm spends, and 1% on other retail spends.

How can I redeem cashpoints earned on my Paytm HDFC Bank Business Credit Card?

Cashpoints can be redeemed as cashback against your statement balance (1:1) or for travel/catalogue via SmartBuy portal.

Does the Paytm HDFC Bank Business Credit Card offer welcome benefits?

Yes, it offers Paytm First Membership and a ₹250 Gift Voucher on card activation with specific spend conditions.

What is the foreign currency markup on the Paytm HDFC Bank Business Credit Card?

The foreign currency markup for the Paytm HDFC Bank Business Credit Card is 3.5% plus applicable taxes.

Is there a fuel surcharge waiver with the Paytm HDFC Bank Business Credit Card?

Yes, a 1% fuel surcharge waiver is available on transactions between ₹400-₹5,000, capped at ₹250 per statement cycle.

What are the interest rates for the Paytm HDFC Bank Business Credit Card?

The interest rate is 3.6% per month (43.2% annually) on outstanding amounts if not paid by the due date.

Does the Paytm HDFC Bank Business Credit Card provide lounge access?

No, the Paytm HDFC Bank Business Credit Card does not offer complimentary airport lounge access.

HDFC Bank

Paytm HDFC Bank Business Credit Card

ShoppingUtilitiesBusiness

Last updated: 27 October 2025

Benefits & Features

Explore key benefits designed to maximize your lifestyle

Welcome Offer

Paytm First Membership on min ₹100 spend & ₹250 Gift Voucher on 2 transactions within 30 days of activation.

Rewards Rate

Up to 3% cashpoints on Paytm (Recharge, Utility, Movies); 2% on select Paytm, 1% on other retail spends.

Reward Type

Cashback

Reward Redemption

Redeem cashpoints as cashback against statement balance (1:1) or for travel/catalogue via SmartBuy (1:0.3).

Domestic Lounge Access

Not Applicable

International Lounge Access

Not Applicable

Premium Benefits

Not Applicable

Insurance Coverage

Zero liability protection against lost/stolen cards.

Movie

3% cashpoints on movies via Paytm app, capped at 500 Cashpoints/month.

Dining

Up to 20% discount at partner restaurants via Dineout.

Travel Benefits

Redeem cashpoints for flight and hotel bookings via SmartBuy Rewards Portal.

What matters, explained clearly

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Frequently Asked Questions

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