What is the Paytm HDFC Bank Mobile Credit Card?

The Paytm HDFC Bank Mobile Credit Card is a co-branded entry-level credit card offering cashback on Paytm spends and other retail transactions.

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

The Paytm HDFC Bank Mobile Credit Card has a joining and renewal fee of ₹149 + GST each.

How can I waive the annual fee for the Paytm HDFC Bank Mobile Credit Card?

The annual fee for the Paytm HDFC Bank Mobile Credit Card is waived on spending ₹25,000 in a year (or ₹1,000 in the first 40 days for the first year fee).

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

Earn 2% cashpoints on Paytm Mall, Movies, Mini App, and 0.5% on other retail spends with the Paytm HDFC Bank Mobile Credit Card.

Can I redeem cashpoints as cashback on my Paytm HDFC Bank Mobile Credit Card?

Yes, cashpoints can be redeemed as cashback against your statement balance, where Re.1 cashpoint equals Re.1 cashback.

Does the Paytm HDFC Bank Mobile Credit Card offer any fuel surcharge waiver?

Yes, it offers a 1% fuel surcharge waiver, capped at ₹250 per month, for transactions of ₹400 or more.

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

The Paytm HDFC Bank Mobile Credit Card charges a 3.5% foreign currency markup on international transactions.

Are there any milestone benefits with the Paytm HDFC Bank Mobile Credit Card?

Yes, spend ₹10,000 in 3 consecutive months to unlock benefits of the superior Paytm HDFC Bank Credit Card.

What is the interest rate for revolving credit on the Paytm HDFC Bank Mobile Credit Card?

The Paytm HDFC Bank Mobile Credit Card offers revolving credit at 3.75% per month (45% annually).

What is Zero Cost Liability on the Paytm HDFC Bank Mobile Credit Card?

The Paytm HDFC Bank Mobile Credit Card offers Zero Cost Liability, protecting you from fraudulent transactions after reporting card loss.

HDFC Bank

Paytm HDFC Bank Mobile Credit Card

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Last updated: 27 October 2025

Benefits & Features

Explore key benefits designed to maximize your lifestyle

Welcome Offer

Not Applicable

Rewards Rate

Earn 2% on select Paytm spends, 1% on other Paytm spends, and 0.5% on other retail.

Reward Type

Cashback

Reward Redemption

Cashpoints redeemable as cashback (Re.1 = Re.1) or for travel & catalogue via SmartBuy (Re.1 = Re.0.3).

Domestic Lounge Access

Not Applicable

International Lounge Access

Not Applicable

Premium Benefits

Not Applicable

Insurance Coverage

Zero Cost Liability ensures no liability on fraudulent transactions if loss reported immediately.

Movie

Earn 2% cashpoints on purchases on Paytm Movies.

Dining

Up to 20% discount at partner restaurants via Dineout.

Travel Benefits

Not Applicable

What matters, explained clearly

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Frequently Asked Questions

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