Paytm HDFC Bank Credit Card Review – Paytm offers credit cards associated with different Indian banks such as HDFC Bank, SBI, and Citi Bank. Paytm HDFC Bank Credit Card is one of the popular cash back cards for users. it is an entry-level Unlimited Cashback credit card. it provides Cashback on every shopping and especially, PayTM App Purchasing. And if you Daily PayTM User, it could be the perfect card for you to apply.
it is mainly popular for its 3% cashback on All types of Purchasing by using Paytm Services such as Mall + Movies + Mini App. moreover, it provides 2% cashback on all further Paytm expenses. apart from Paytm App, it offers direct 1% cash back on online-offline spending.
Through this blog, we are going to share with you a full review of the Paytm HDFC Bank Credit Card, which can solve your all queries such as HDFC Paytm Credit Card charges, the application apply, limits, and benefits.
The benefits And Review of Paytm HDFC Bank Credit Card
Table of Content
- The benefits And Review of Paytm HDFC Bank Credit Card
- Paytm HDFC Bank Credit Card Highlight Factors
- What Are The Paytm HDFC Bank Credit Card Offers And Benefits
- Discounts And Cashback
- Short List of Card Features
- How to Use Reward Points Redemption
- What Are Card Charges and Fees
- What Are the Eligibility Criteria For Paytm Bank Credit Card HDFC?
- FAQ
- Other Credit Cards By HDFC Bank
- In Conclusion
Paytm HDFC Bank Credit Card Highlight Factors
| Points | Description |
|---|---|
| Card Type | Cashback-Based Entry-Level Card |
| Best Suitable | Business, Self-Employed, And Paytm Daily Users |
| Card Benefits & Features | – It allows up to 50 days of interest-free credit Period – Up To 4 complimentary or Free Add-on cards – Free Paytm First Membership Subscripation – Contactless Payment Enabled Card |
| Cash back | – 3% of the cashback for spending on Mall, Movie Ticket, and Mini App Services from Paytm Company. – The cashback of 2% on all other purchases through the Paytm App – Cash-Back of 1% on all other Retail Online-Offline Purchase anywhere, however, cashback is not valid for E-wallet filling, fuel Purchase & EMI spending. – Earn Rental Payments 1% Cash back on each payments |
| Milestone | As a milestone rewards, it offers up to ₹1200 annually cashback. if you spend ₹10,000 or above. it provides 1% cashback per month. not valid for Non-EMI Purchases. |
| Monthly Renewal Offer | as a Monthly Renewal Offer, The monthly Membership Fee will be waived off, if you spend each month ₹5000 and up. |
What Are The Paytm HDFC Bank Credit Card Offers And Benefits
Paytm HDFC Bank Credit Card is a new entry-level card for beginners. it offers cashback on all Paytm purchases. it allowed to you get up to 50 days of interest-free credit time. moreover, you have to use the Paytm app to apply for the card. moreover, you have a good credit score and a stable income. The Salaried and Self-employed both can apply for the card. However, the ₹49 Monthly Membership Fee could be a disadvantage for this card. but it will waived off if you spends ₹5000 and above in a month.
Apart from Fees And Monthly Membership Fees, it provides all other credit card features and benefits too, such as –
- Welcome benefits of Paytm First Membership
- Free Interest Period Upto 50 Days
- Milestones upto worth ₹1200
- Unlimited cashback on each transactions
- 4 complimentary add-on cards for your family
- 1% Fuel Surcharge waived off facility
Moreover, it also comes with all HDFC Bank Facilities, like Upto 20% discount as Dining Benefit, Zero cost liability, Utility Bill Payments facility and more
Discounts And Cashback
Short List of Card Features
How to Use Reward Points Redemption
Your Earned Cashpoints directly reflect within 30 days on your Card Account. You must have cashpoints upto 500 and above to redeem your Cashback.
Your earned Every 1 Cash Point is Equal to ₹1 Cashback. the primary card holder can also pay their outstanding amount by using your earned cash points. moreover, you can redeem your cashpoints By using smartbuy on flights/Hotel bookings. it also available to redeem on Product Catalogue and Airmiles.
- 1 Cashpoints = Rs 0.3 air-mile (Airmiles conversion)
- 1 Cashpoints = upto Rs 0.3 (Products and Vouchers)
- 1 Cashpoints = Rs 0.3 (Smart Buy)
Only Valid for 2 Years. You can visit Internet banking website and mycards services (especially for mobile) to redeem your Earned All CashBack or Cashpoints.
What Are Card Charges and Fees
| List of Charges | Overview |
|---|---|
| Welcome Benefits | Complimentary Paytm First Membership Subscripation |
| Monthly Fees on The Card | ₹49 And All Required GST Taxes – It will be waived off on spending ₹5,000 and above in a month |
| Joining Charges | Free To Apply |
| Finance Fees(Interest) | 2.5% of Your Total Transaction amount (Average) |
| Late Payment Fee | ₹100 to ₹1300 as Late Payment Fee per total amount |
| Add-on cards | 4 Free of charges add-on cards |
| Rewards redemption | Add Cashback as a Outstanding Balance, Use Smart Buy For Hotel,Flight Booking, Convert your Cashback or Cashpoints into Products Catalogue, E-Vouchers, Airmiles. |
| Reward Validity | 2 Year |
What Are the Eligibility Criteria For Paytm Bank Credit Card HDFC?
To Apply the application for Paytm HDFC Bank Card, you must be above 18 age and must hold Indian citizenship. A Good Credit Score 750 And Above is must required. moreover, you have the required Documents such as PAN Card, Aadhar Card, ITR, And Others. Last but not the least, You must have PAYTM APP To Apply to Card. or you can visit HDFC Official website to apply card and get paytm HDFC Card without hassle.
| Eligibility Criteria | Overview |
| Only For | Salaried, Self-Employed |
| Your Age Must Be | 18 Age And Above |
| Annual ITR & Salary Slip | May be Ask |
| Credit Score | Must Be 750 And Above |
| What types of Documents Required | – Income Proof – Identity Proof – Address Proof |
| Source of Income | Must be Stable |
FAQ
Paytm HDFC Bank Credit Card is a Cashback points-based card for new individuals. is mainly focused to provide unlimited cashback on each spend. moreover, it could be a fantastic card if you are a Paytm daily user. you can convert your cash points into different methods and even pay your outstanding amount. moreover, it maintains your Good credit score.
18002026161 this is the helpline customer care number that you can use 24/7 Whenever you need to ask queries about credit cards.
Other Credit Cards By HDFC Bank
In Conclusion
HDFC PayTM Credit Card could be amazing card for you if you are new with credit cards. it comes with several benefits such as Unlimited Cashback, Zero cost liability, Welcome Benefit, Milestone Benefit And Savings on Refueling by Fuel Stations across India. it also good for maintain a excellent credit score upto 750.
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