Paytm Debit Card – Features, Benefits, Fees & Charges and How to Apply

The Paytm debit cards offer several features and benefits to its users. Some of these features are listed below:

• Digital & Physical Cards: The Paytm debit card is offered as both digital/virtual as well as physical card. You get the Paytm virtual debit card on opening your savings account, which can be used for online transactions. You can get the physical card by applying online and use it for cash withdrawal and offline payments too

Suggested Read: Best Credit Cards for Online Shopping

• Contactless Payments: You can make contactless transactions using your physical Paytm Visa debit card by using the Tap-and-Pay feature for faster payments

• Wide Acceptance: This debit card is available in Platinum RuPay and Visa variants. The RuPay debit card is accepted across India. On the other hand, the Visa card has global acceptance and thus can be used to make international transactions

For better international benefits on your spends, choose from the Best International Credit Cards in India.

• Receive Money via QR Code: Paytm card users can avail the facility of accepting money from others using the QR code given on the card itself. The payer can scan that code which has all the necessary bank details that are required to receive money and make the payment

• Customisable Card Settings: The Paytm app allows the cardholders to customise the card settings, like enabling or disabling international transactions, contactless payments, adjusting spending limits, blocking the lost or stolen card and many more

Paytm credit cards and debit cards have certain fees and charges associated with them. Some of these charges are listed below:

Note: The above mentioned fees and charges are updated as of November 2025.

Click here for detailed Paytm debit card charges, limits, and terms & conditions.

The Paytm Payments bank savings account holders get a virtual debit card on opening their account. To get a physical card, the users can follow the following steps:

Step 1: Open the Paytm app.

Step 2: Click on the ‘Bank’ symbol at the bottom right corner of the screen.

Step 3: Choose the ‘Digital Debit Card’ option.

Step 4: Click on ‘Request ATM Card’.

Step 5: Select the card delivery address and click on the ‘Proceed to Pay’ button.

Step 6: Make the payment to place the card order and use the app to track the delivery address.

The Paytm Payments Bank has set the following transaction limits on its debit cards:

The Paytm debit card customers can also adjust and change their card limits via the app.

Q. Can I use my Paytm Debit & ATM card to make international transactions?

Yes, you can use your Paytm Visa debit card at international merchants. However, at present, RuPay debit cards are accepted for payment at merchants in India only.

Q. Can I track my Paytm Debit and ATM card’s delivery status?

Yes, you can track the delivery status of your ATM/debit card after you place its order online by following the steps given below:

• Open the Paytm app and go to the ‘Bank’ icon present at the bottom right corner.
• Then, choose ‘Digital Debit Card’ and select the ‘ATM Card Order Status’ option.
• The delivery status of your card will be shown on the screen.

Q. What to do if the Paytm Debit card’s status shows ‘Delivered’, but I have not received my card yet?

You can first check whether someone else, including your neighbours, has received the card delivery or not. If you have still not received the card, then contact the Paytm Payments Bank within 10 days from the date of card delivery and inform about the discrepancy.

Q. How to contact the Paytm Payments Bank?

The debit card customers can call the 24×7 Paytm customer care number 0120-4456-456 to resolve any queries or issues.