Paytm HDFC Bank Credit Card Review – Charges, Apply

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

Paytm HDFC Bank Credit Card Highlight Factors

Paytm HDFC Credit Card
Card TypeCashback-Based Entry-Level Card
Best SuitableBusiness, Self-Employed, And Paytm Daily Users
Card Benefits &
– 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 Offeras 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 credit card apply online
image actual owner is HDFC BANK

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 –

  1. Welcome benefits of Paytm First Membership
  2. Free Interest Period Upto 50 Days
  3. Milestones upto worth ₹1200
  4. Unlimited cashback on each transactions
  5. 4 complimentary add-on cards for your family
  6. 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

Reward Points & Cashback On CardExplanation
Bill PaymentConnect your Credit Card with SmartBuy to pay All Utility Bill Payments on time
Restaurant Dining Benefits20% discount on all partner Restaurant of HDFC Bank (Dineout App Only)
Cash Back– 3% Cashback on Paytm Online Mall, Mini, And Movies
– 2% CashPoints or Cashback on All Paytm Services (Other)
– 1% all other retail purchasing
– 1% cashback monthly on ₹10000 spends

Short List of Card Features

Additional FeaturesDescription (Details)
Milestone Benefit1200 cashback annually as a milestone. in brief, you must have to spend up to 10000 Every month To Get 1% Cashback per month.
Smart EMIYes
Contactless PaymentYes, it allows you to do your all offline transactions without putting your 4-digit secret digit every time.

Set Card Control
Use Mycard Services through HDFC Bank official website
Insurance & protectionNot offers on That
Foreign Currency Mark up3.5%

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 ChargesOverview
Welcome BenefitsComplimentary 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 ChargesFree 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 cards4 Free of charges add-on cards
Rewards redemptionAdd Cashback as a Outstanding Balance, Use Smart Buy For Hotel,Flight Booking, Convert your Cashback or Cashpoints into Products Catalogue, E-Vouchers, Airmiles.
Reward Validity2 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 CriteriaOverview
Only ForSalaried, Self-Employed
Your Age Must Be18 Age And Above
Annual ITR & Salary SlipMay be Ask
Credit ScoreMust Be 750 And Above
What types of Documents Required– Income Proof
– Identity Proof
– Address Proof
Source of IncomeMust be Stable


What is Paytm HDFC Bank Credit Card?

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.

What Is the Paytm HDFC Card Customer Care Number?

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

ListHDFC Bank Credit Cards List
1HDFC Business Moneyback Credit Card Review – Benefits, Features
2HDFC Regalia Credit Card Review – Benefits, Charges, Apply
3MoneyBack Credit Card By HDFC Review – Benefits, charges, Eligibility
4HDFC Moneyback Plus Credit Card Review – Benefits, Features, Limit

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.

Do share this review with your friends and family. use our below social media icons to share quickly. if you have any queries related HDFC & Paytm Debit/Credit Cards. Comment Down to below to get quick answers.

Show full profile


Naman Parmar professionally known as Nanne Parmar is an Indian Internet entrepreneur, financial expert, referencing expert, and investor. He’s the man who started NE Factory And PriceMint. He has more than four years of experience in the financial technology industry.

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