Paytm HDFC Bank Mobile Credit Card- For Benefits on Paytm

Cashback: With this credit card, you can get the following cashback benefits:

• 2% cashback on all purchases at Paytm including malls, movies, and mini app
• 1% cashback on all Paytm spends
• 0.5% cashback on retail spends

Note that the cashback earned on Paytm is not applicable to wallet reloads, fuel transactions and EMI spends.

Suggested Read: Best Cashback Credit Card in India 2022

Milestone Benefits: On spending Rs. 10,000 in three consecutive months, on non-EMI spends, you can upgrade to the Paytm HDFC Bank Credit Card. This card offers up to 3% cashback on Paytm transactions.

Other Benefits: Some other benefits of HDFC Bank Paytm Mobile Credit Card are:

• You can avail up to 50 days of interest free credit period
• You have a zero lost card liability on this HDFC Bank credit card. Thereby, if you lose your card you are not liable to pay for any fraudulent transactions.
• Monthly fee waiver on spending Rs. 2,500 in a month on non-EMI spends
• With this card, avail no cost and low cost EMIs for bigger purchases

Fee type	Details
Monthly Fee	Rs. 29+ GST (waived off on spending Rs. 2,500 in a month)
Cash Advance Fee	2.5% of the transaction amount or Rs. 500, whichever is higher
Foreign exchange markup fee	3.5%
Late Payment Charges	On statement balance of – Up to Rs. 100: Nil Rs. 101 to Rs. 500: Rs. 100 Rs. 501 to Rs. 1,000: Rs. 500 Rs. 1,001 to Rs. 5,000: Rs. 600 Rs. 5,001 to Rs. 10,000: Rs. 750 Rs. 10,001 to Rs. 25,000: Rs. 900 Rs. 25,001 to Rs. 50,000: Rs. 1,100 More than Rs. 50,000: Rs. 1,300

Click here to check other associated terms and conditions related to this credit card.

Criteria	Detail
Age	Minimum 18 years
Occupation	Salaried or Self employed
Serviceable Cities	Click here for the list of eligible cities
Documents Required	Click here for the list of documents required

Paytm HDFC Bank Mobile Credit Card offers benefits to existing Paytm customers via cashback on Paytm transactions. However, the benefits offered in this card are very marginal. Despite being a co-branded credit card, the mobile variant does not offer any extensive benefit on Paytm. The benefits offered on this card are limited as it comes with a very low monthly fee of Rs. 29 which clubs into Rs. 348 per annum. Note that there are many zero annual fee credit cards or even credit cards with annual fee up to Rs. 500, that can offer you better rewards and benefits across multiple or specific categories.

Apart, if you are looking for a credit card that offers exclusive benefits on Paytm, you can look out for the other variants of this card, be it the Paytm HDFC Bank Credit Card or the Paytm HDFC Bank Select Credit Card. Though the select version comes with an annual fee of Rs. 1,000, the former comes at a monthly fee of Rs. 49. Also note that Paytm exclusive benefits are even offered by SBI cards, with Paytm SBI Credit Card and Paytm SBI Select Credit Card. Based on your preferences and your ability to pay the annual fee, you can choose a card accordingly.

Credit Card	Annual Fee	Comparative Feature
Amazon Pay ICICI Bank Credit Card	Nil	Up to 5% cashback on Amazon and 1% flat cashback across all spends
Standard Chartered Platinum Rewards Credit Card	Rs. 250	5x rewards for every Rs.150 spent on dining and fuel; 1 reward point for every Rs. 150 spent otherwise
Paytm SBI Credit Card	Rs. 499	Up to 3% cashback on paytm transactions

For what purpose can I use my Paytm HDFC Bank Mobile Credit Card?
You can use your Paytm HDFC Bank Mobile Credit Card, for both offline and online transactions. For using the card offline, you need to first generate your credit card PIN. The card can be used at all merchant establishments that accept VISA payments. In addition to that, this card can be used for online transactions and international transactions. Lastly, you can also use this credit card to add money to your Paytm wallet by enabling it on the HDFC Bank website.

How do I earn cashback on this credit card?
The cashback earned on Paytm HDFC Bank Mobile Credit Card is  automatically credited to your Paytm wallet as a Paytm Gift voucher.

Can I pay my HDFC Paytm Mobile Credit Card bill via Paytm?
Yes, you can pay your Paytm HDFC Bank Mobile Credit Card bill via Paytm. For this, you can visit the ‘Credit Card Bill Payment’ section on the Paytm App.