Paytm Citi Bank Credit Card Review

The paytm citi credit card offers fantastic value for those who make most of their transactions via the Paytm app. At an annual fee of just Rs.499, this card offers huge cashback on everyday expenses, big discounts on dining expenses, complimentary waivers on fuel surcharges, and lots more. A detailed description of the paytm citi credit card benefits is given below.

Who can apply for the Paytm Citi Credit Card?

  • Resident Type: Indian
  • For salaried persons:
    • Age: 21 to 60 yrs.
    • Income: Above Rs.45000 monthly. 
  • For self-employed persons:
    • Age: 21 to 65 yrs.
    • Income: Above Rs.50,000 monthly.
  • A credit score above 720+ is required to apply for this citi paytm credit card.

What documents are required to apply for the paytm citi bank credit card?

  • Photocopy of Address proof (any 1)
    • Aadhar Card
    • Driving License
    • Passport
    • Utility bills
  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Two recent passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      • Salary Slip of last 3 months
      • ITR
    • Self-employed person
      • Income tax return of the last year
      • Proof of business

What is the citi bank paytm credit card fee?

  • Paytm Citi Bank Credit Card joining fee: None. 
  • Paytm Citi Bank Credit Card annual fee: Rs.499 + GST (Can be waived off on spending Rs.1 lakh within a year)

What are the benefits of Paytm credit card?

  • Make your transactions more rewarding:

Every transaction made using this card can earn you assured cashback. The details are mentioned below.

Category of transaction 


Shopping at Paytm Mall 5% cashback
Spends made through the Paytm app 3% cashback
Paytm flights 2% cashback
All other transactions (excluding fuel and wallet top-up) 1% cashback

You can keep track of your ​​paytm citi credit card status from your Paytm app.

  • Dine with more delight:

Your paytm citi credit card offers up to 20% discount on your dining expenses at some of the leading restaurants across the country.

  • Experience attractive deals on lifestyle categories:

With this paytm credit card citi bank offers complimentary membership of premium lifestyle brands (worth Rs.75,000).

  • Enjoy freedom from fuel surcharges:

Your paytm citi credit card features a 1% waiver on fuel surcharges across all fuel stations in India. 

  • An opportunity to make your card lifetime free:

On spending Rs.1 lakh or more within an anniversary year, you can get a complete waiver on your next year’s paytm first citi credit card annual fee

  • Easy bill-splitting option:

Your paytm citi credit card offers you to convert your high-value transactions into EMIs. This feature is very helpful for frequent shoppers.

  • Your perfect travel companion:

Your citi paytm first credit card works on the Visa network, which means you can use this card in over 200+ countries across the globe.

What are the paytm citi credit card charges?


Chargeable amount

Cash withdrawal charge 2.5% against the withdrawn amount, min Rs.500 (Make sure to check your paytm citi credit card limit before making a withdrawal)
Finance charge Can go up to 3.75% monthly
Foreign currency conversion charge 3.5% against the transaction amount

How to contact the paytm first citi credit card customer care department?

For any assistance, you can contact Citi bank’s customer care number.

  • Call the paytm citi credit card customer care number: 1860-210-2484 or 022-4955-2484
  • Write to the Citi customer care mail id: 

100xGain Ratings: 


Pros and cons:



  • The paytm citi credit card cashback offers are quite impressive.
  • You can enjoy a huge discount on dining expenses.
  • This card comes with complimentary memberships of premium lifestyle brands.
  • There are no paytm citi credit card airport lounge access benefits available.
  • You will not get any special discount offer on movie tickets.

Final Opinion:

After analyzing the paytm first citi credit card benefits, I can say that if you are looking for a credit card for your everyday usage, then the Paytm Citi credit card would be a great choice for you. You can enjoy upto 3% cashback on transactions through the Paytm app, complimentary membership of leading lifestyle brands, upto 20% discount on dining expenses, and so on. 

But if you are looking for a more premium credit card, then I think you would find your choice on our best premium credit cards page

Alternative Cards:

  1. AU Small Altura Credit Card (Best for cashback, lounge, and fuel benefits)
  2. Axis bank ace credit card (Best for cashback and lounge benefits)
  3. Postpe Credit Card (best for its low-cost EMI option)

FAQs on Paytm Citi Credit Card:

  • How to get paytm citi credit card?

The paytm citi credit card application process is very simple. You can apply for this card from your Paytm app. You can also keep track of your paytm citi credit card application status from there.

  • Is Paytm credit card powered by Citibank?

The Paytm Citi credit card is provided by Paytm in partnership with Citi Bank. Also, this card is exclusively available for Paytm users.

  • What is the limit of Paytm credit card?

You can find the total credit limit on your Paytm Citi credit card from your monthly statements, or from your Paytm App, you can also call the paytm first citi credit card customer care number to get the information.

  • How to pay citi credit card bill through paytm?

To make citi credit card payments through paytm, just visit the Paytm bill payment portal. Now select your bank and enter your card details, and your bills can be paid almost instantly. 

Leave a Reply

Share via
Copy link
Powered by Social Snap
%d bloggers like this: