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

The Paytm HDFC Bank Select Business Credit Card offers high cashback on Paytm transactions, complimentary domestic lounge access, and spend-based fee waivers.

How much is the joining and renewal fee for the Paytm HDFC Bank Select Business Credit Card?

Both the joining fee and renewal fee for the Paytm HDFC Bank Select Business Credit Card are ₹1,000 + GST each.

Can the annual fees for the Paytm HDFC Bank Select Business Credit Card be waived?

Yes, the first-year fee for the Paytm HDFC Bank Select Business Credit Card can be waived by spending ₹60,000 in 90 days, and the renewal fee by spending ₹1,00,000 annually.

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

With the Paytm HDFC Bank Select Business Credit Card, you earn Cashpoints: 5% on Paytm, 3% on accelerated categories, and 1% on other retail spends.

Does the Paytm HDFC Bank Select Business Credit Card offer lounge access?

Yes, the Paytm HDFC Bank Select Business Credit Card provides 12 complimentary domestic airport lounge accesses per calendar year, capped at 3 visits quarterly.

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

The foreign currency markup on the Paytm HDFC Bank Select Business Credit Card is 3.5% plus applicable taxes on all international transactions.

Are there any welcome benefits for the Paytm HDFC Bank Select Business Credit Card?

Yes, welcome benefits include a complimentary Paytm First Membership and a ₹500 Gift Voucher upon card activation with qualifying transactions.

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

Cashpoints from the Paytm HDFC Bank Select Business Credit Card can be redeemed as cashback against your statement balance (1 Cashpoint = ₹1) or for travel/SmartBuy catalogue (1 Cashpoint = ₹0.3).

What is the interest rate for the Paytm HDFC Bank Select Business Credit Card?

The interest rate for the Paytm HDFC Bank Select Business Credit Card is 3.6% per month, equating to 43.2% annually, on any outstanding due amount.

Is insurance cover still active on the Paytm HDFC Bank Select Business Credit Card?

No, the personal accidental death and permanent disability insurance cover on the Paytm HDFC Bank Select Business Credit Card was discontinued effective February 1, 2023.

HDFC Bank

Paytm HDFC Bank SELECT Business Credit Card

ShoppingBusinessTravel

Last updated: 27 October 2025

Benefits & Features

Explore key benefits designed to maximize your lifestyle

Welcome Offer

Complimentary Paytm First Membership and a Rs. 500 Gift Voucher on card activation with qualifying spends.

Rewards Rate

Earn 5% Cashpoints on Paytm, 3% on accelerated categories, and 1% on other retail spends.

Reward Type

Cashback

Reward Redemption

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

Domestic Lounge Access

12 complimentary domestic airport lounge accesses annually, capped at 3 visits per quarter.

International Lounge Access

Not Applicable

Premium Benefits

Not Applicable

Insurance Coverage

Personal Accidental Death & Permanent Disability Cover (Discontinued Feb 1, 2023).

Movie

Earn 5% Cashpoints on movie bookings made on Paytm.

Dining

Get up to 20% discount at partner restaurants via Dineout.

Travel Benefits

Use Cashpoints for flight and hotel bookings via the SmartBuy portal.

What matters, explained clearly

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Frequently Asked Questions

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