Best Paytm Co-Branded Credit Cards
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Paytm Credit Cards - One Free Option, Several Fee Tiers
Paytm's co-branded lineup spans AU Small Finance Bank, HDFC Bank (four variants, personal and business), and SBI Card (two variants).
The Only Fee-Free Card Here
The Paytm AU Credit Card charges zero joining and renewal fee while still earning both Reward Points and Cashback - the strongest starting point if fee-free is the priority. Every other Paytm card in this lineup carries a fee from ₹499 upward.
Personal vs Business
HDFC Bank splits its Paytm cards between personal use (Paytm HDFC Bank Credit Card) and business spend (Paytm HDFC Bank SELECT Business Credit Card) - check which of the four HDFC variants are currently active before choosing, since two of them no longer accept new applicants.
Paytm Credit Cards Compared
| Card | Fee | Reward Type | Best For |
|---|---|---|---|
| ಪೇಟಿಎಂ ಎಯು ಕ್ರೆಡಿಟ್ ಕಾರ್ಡ್ | Lifetime Free | Reward Points, Cashback | Fee-free, Reward Points + Cashback |
| ಪೇಟಿಎಂ ಎಚ್ಡಿಎಫ್ಸಿ ಬ್ಯಾಂಕ್ ಕ್ರೆಡಿಟ್ ಕಾರ್ಡ್ | ₹500 + GST | Cashback | ₹500, Cashback |
| ಪೇಟಿಎಂ ಎಚ್ಡಿಎಫ್ಸಿ ಬ್ಯಾಂಕ್ ಸೆಲೆಕ್ಟ್ ಬಿಸಿನೆಸ್ ಕ್ರೆಡಿಟ್ ಕಾರ್ಡ್ | ₹1,000 + GST | Cashback | ₹1,000, business |
| ಪೇಟಿಎಂ ಎಸ್ಬಿಐ ಕ್ರೆಡಿಟ್ ಕಾರ್ಡ್ ಸೆಲೆಕ್ಟ್ | ₹1,499 + GST | Reward Points | ₹1,499, Reward Points |
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AU Bank's Paytm card is the only fee-free option
The Paytm AU Credit Card charges zero joining and renewal fee while still earning Reward Points and Cashback - the rest of the Paytm lineup, from HDFC Bank and SBI Card, all carry a fee starting at ₹499.
HDFC Bank's four Paytm variants split personal and business use
HDFC Bank issues both personal (Paytm HDFC Bank Credit Card, Paytm HDFC Bank Mobile Credit Card) and business-focused (Paytm HDFC Bank Business Credit Card, Paytm HDFC Bank SELECT Business Credit Card) variants - two of the four are currently inactive, so confirm which are open before applying.
SBI Card's Select variant earns differently than the rest
Most Paytm cards earn straightforward Cashback, but the Paytm SBI Credit Card Select earns standard Reward Points instead - worth checking if cashback specifically (rather than points you redeem later) is what you're after.