If you are constantly spending most of your monthly budget online via Paytm, then the new paytm hdfc credit card is definitely worth a look. It offers you up to 3% cashback on your expenses on Paytm, a huge discount on dining expenses, handsome monthly waivers on fuel surcharges, complimentary lost card liability coverage, and lots more.
So, if you are interested in this card, then make sure to go through the complete review to know more about the benefits of paytm hdfc credit card.
What are paytm hdfc credit card eligibility criteria?
You can apply for this card from the Paytm app.
- Resident Type: Indian
- Paytm hdfc credit card eligibility criteria for salaried people:
- Age: 21 to 60 yrs.
- Income: Above Rs.35,000 monthly.
- paytm hdfc credit card eligibility criteria for self-employed people:
- Age: 21 to 65 years.
- Income: Above Rs.45,000 monthly.
- A credit score of 700+ is required to apply for this hdfc paytm credit card.
What documents are required to apply for the hdfc bank paytm 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
- Salaried Person (any 1)
What are the paytm hdfc credit card fees?
- Paytm HDFC monthly membership fee: Rs.49 + GST (Can be waived off on spending Rs.5,000 in a credit cycle)
What are the paytm hdfc credit card benefits?
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An awesome joining bonus to welcome you:
As your hdfc paytm credit card pin generation process gets completed, and you perform a minimum transaction of Rs.100, you will receive a complimentary Paytm first membership as a welcome gift.
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Make your transactions more rewarding:
Your transactions made using this card can earn you assured cashback. The details are mentioned below.
| Paytm Mall, Movie, and Mini app | 3% cashback |
| Other selected Paytm spends | 2% cashback |
| All other retail transactions (excluding wallet-to-up, fuel purchase, and EMI conversion) | 1% cashback |
The cashback is given as cash points. You will not get any cashpoint for rent payments or government-related expenses. You can earn a maximum of 1000 cash points per month from grocery spending. You can redeem up to 50,000 cash points in a month for travel expenses. You can keep track of your hdfc paytm credit card status from your paytm hdfc credit card app.
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Dine with more delight:
Your hdfc paytm credit card features up to a 20% discount on dining expenses at some of the selected restaurants across the country.
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Get freedom from fuel surcharges:
The paytm hdfc credit card offers a 1% waiver on fuel surcharges across all fuel stations in India. The minimum eligible transaction amount is Rs.400 and you can earn up to Rs.250 waiver in a month.
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Earn additional benefits on milestone spends:
On spending Rs.10,000 or more within a month with your card, you can earn a 1% cashback on your credit card expenses (up to Rs.100 per paytm hdfc credit card billing cycle). Also, on spending Rs.5,000 in a month (excluding EMIs) you can get a complete waiver on your next month’s membership fee.
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Complimentary lost card liability coverage:
On this paytm credit card hdfc bank offers complimentary lost card liability coverage. So, if your card ever gets lost or stolen, you just have to report it by calling the paytm hdfc credit card helpline number and you will not be liable for anything bad that may happen to your account.
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Advanced contactless payment facility:
This paytm hdfc mobile credit card is equipped with an advanced contactless payment facility, this feature allows you to make payments just by placing your card over any contactless-enabled POS machine.
What are the paytm hdfc credit card charges?
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Particulars |
Chargeable amount |
| Paytm hdfc bank credit card charges on cash withdrawal | 2.6% against the withdrawn amount, Min. Rs.500 (make sure to check your paytm hdfc credit card limit before making a withdrawal) |
| HDFC paytm mobile credit card finance charge | 3.6% monthly (41.88% annually) (applicable if your paytm hdfc credit card payment is not made in time) |
| HDFC card forex markup charge | 3.5% against the transaction amount |
| Add-on card fee | None (for up to 4 add-on cards) |
How to contact the Paytm HDFC credit card customer care department?
For any assistance, you can contact the HDFC credit card customer care department.
- Call the paytm hdfc credit card customer care number: 1800-266-4332 (Toll-free) / 1800-202-6161(Toll-free) or 022-6160-6161
- Write to the paytm hdfc credit card customer care mail id: customerservices.cards@hdfcbank.com
100xGain Ratings:
7/10
Pros and cons of the paytm hdfc bank mobile credit card:
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Pros |
Cons |
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Final Opinion:
Now the question is, ‘is paytm hdfc credit card good?’ After thoroughly analyzing the hdfc paytm credit card benefits, I can say that this paytm hdfc bank credit card would be most beneficial for those who use the Paytm App regularly. This hdfc credit card paytm offers you up to 3% cash back on special categories (Mall, Movie, and Mini) and 2% on other transactions. Apart from that, it lets you enjoy some handsome monthly waivers on fuel surcharges and some additional cashback on milestone expenses.
So, I think it would be a good credit card at this cost. However, if you are looking for other benefits like travel or entertainment, then I would suggest you take a look at our best lifestyle cards page.
Alternative Cards:
- AU Small Alture Plus credit card (Best for reward and railway lounge facilities)
- Axis Bank Select Credit Card (Best for online benefits)
- HSBC Cash-Back Credit Card (Best for cashback, movie, and dining benefits)
FAQs on Paytm HDFC credit card:
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How to pay hdfc credit card bill through paytm?
To pay hdfc credit card payment by paytm, just visit the Paytm bill payment portal. Then select your bank and enter your card details. Now your bill will be paid almost instantly.
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How to activate paytm hdfc credit card?
You can find all about paytm hdfc credit card activation process on our FAQ page.
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What is Paytm HDFC credit card limit?
You can find your total paytm hdfc bank credit card limit on your monthly credit card statements, or on your Paytm mobile app. You can also call the hdfc paytm credit card customer care number to get the details.
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Is Paytm HDFC card free?
No, it is not free of cost. Although there are no paytm hdfc credit card annual charges, there is a monthly subscription fee of Rs.49.
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Is Paytm credit card HDFC International?
Yes, the hdfc paytm credit card works on the Visa network and it is acceptable in over 200+ countries across the globe.