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

The Paytm HDFC Bank Credit Card offers significant cashback on Paytm spends, a Paytm First Membership, and an annual fee waiver, making it great for digital transactions.

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

Both the joining and renewal fees for the Paytm HDFC Bank Credit Card are ₹500 + GST each year.

How can I get the annual fee waived for my Paytm HDFC Bank Credit Card?

The first-year fee for the Paytm HDFC Bank Credit Card is waived on spending ₹30,000 in 90 days, and the renewal fee on ₹50,000 annual spend.

What kind of rewards can I earn with the Paytm HDFC Bank Credit Card?

With the Paytm HDFC Bank Credit Card, you can earn up to 3% Cashpoints on select Paytm spends and 1% on other retail transactions, plus milestone benefits.

How can I redeem Cashpoints earned on the Paytm HDFC Bank Credit Card?

Cashpoints from the Paytm HDFC Bank Credit Card can be redeemed against your outstanding balance, or for travel (Smartbuy), Airmiles, and product catalogue.

Does the Paytm HDFC Bank Credit Card offer lounge access?

No, the Paytm HDFC Bank Credit Card does not include any complimentary domestic or international airport lounge access benefits.

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

The Paytm HDFC Bank Credit Card has a foreign currency markup fee of 3.5% on all international transactions.

Are there any fuel surcharge benefits with the Paytm HDFC Bank Credit Card?

Yes, the Paytm HDFC Bank Credit Card offers a 1% fuel surcharge waiver, capped at ₹250 per month, on transactions between ₹400 and ₹5,000.

What are the eligibility criteria for applying for the Paytm HDFC Bank Credit Card?

To apply for the Paytm HDFC Bank Credit Card, you must be at least 21 years old, have a stable income, and maintain a decent credit score.

Can I convert large purchases into EMIs with the Paytm HDFC Bank Credit Card?

Yes, the Paytm HDFC Bank Credit Card offers a Smart EMI facility, allowing you to convert large expenditures into convenient equated monthly installments after purchase.

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Paytm HDFC Bank Credit Card

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Last updated: 27 October 2025

Benefits & Features

Explore key benefits designed to maximize your lifestyle

Welcome Offer

Paytm First Membership, offering exclusive benefits from partnered brands and additional offers.

Rewards Rate

Earn up to 3% on Paytm, 2% on select Paytm, 1% on other retail spends.

Reward Type

Cashback

Reward Redemption

Redeem Cashpoints against outstanding balance, Smartbuy (Flights/Hotels), Airmiles, and Product Catalogue.

Domestic Lounge Access

Not Applicable

International Lounge Access

Not Applicable

Premium Benefits

Not Applicable

Insurance Coverage

Not Applicable

Movie

Up to 3% cashback on Paytm movie ticket purchases.

Dining

Up to 20% discount in partner restaurants via Dineout.

Travel Benefits

Not Applicable

What matters, explained clearly

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Frequently Asked Questions

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