Card Type



CashBack Benefits:

  • 3% Cashback on purchases on Paytm [Recharge + Utility + Movies + Mini App] Max. Cap per Calendar Month - Rs. 500
  • 2% Cashback on all other Select Paytm Spends. Max. Cap per Calendar Month - Rs. 500
  • 1% cashback on all other Retail Spends Max. Cap per Calendar Month - Rs.1000


Cashback is not applicable for wallet loads, fuel spends, EMI spends, rental spends and education spends.

Cashback is accrued as Cashpoints in your card account, which can be redeemed post statement generation. Cashpoints can be redeemed as Cashback along with other redemption categories.

Effective 1st April 2023, cashpoints for a particular month shall be accrued in your card account in the first week of the subsequent month on a cumulative basis.

To know more, click here

​​​​​​​ 1. Effective 1st January 2023, cashback accruals and redemptions have undergone the below mentioned changes.

a. Rental Payments – No cashback will be given on rental payments

b. Education Spends – No cashback will be given on education spends

c. Grocery Spends - Accruals on Grocery Spends will be capped at 1000 cashpoints per month  

d. Travel Redemption – Redemption of Travel Reward Points will be capped at 50,000 points per month

2. Effective 1st February 2023, cashback redemptions have further been modified as under.

a. Overall cashback redemption will be capped at 3000 points per month. 

b. 70% points + 30% minimum pay system - A minimum of 30% pay system has been introduced for redemption of points on select categories only.

Please Note : Only the mentioned categories basis the Merchant IDs / Terminal IDs in the list shall be applicable for relevant cashbacks.  To view the list, please click here.

Free credit period:
Avail up to 50 days of interest free credit on your Credit Card.

Additonal Features

​​​​​​​Utility Bill Payments : Register your Credit Card with SmartPay, HDFC Bank's Utility Bill payment service. You can then ensure that all your utility bills are paid on time, conveniently and easily.

Zero  cost liability : If you lose your Card, report it immediately to our 24-hour call centre. After reporting the loss, you have a zero liability on any fraudulent transactions made on your card.

Fuel Surcharge Waiver

1% fuel surcharge waived of on fuel transactions. 
​​​​​​​(on minimum transaction of ₹400 & maximum transaction of ₹5,000. Maximum waiver of ₹250 per statement cycle)

Click Here to know more on Fuel Surcharge

Welcome Benefit

Paytm First Membership

Paytm First is a premium subscription-based rewards & loyalty program for Paytm users. It offers exclusive benefits, over and above the regular offers. A Paytm First member will enjoy a wide range of exclusive benefits from leading partnered brands. It can be availed upon minimum one transaction of Rs.100. 

Please Note : Paytm First Membership is provided by Paytm. For any queries, please reach out to Paytm Customer Care.

Activation Benefit

  • Enjoy Rs.250 worth Gift Voucher upon card activation with 2 transactions in first 30 days. (Non-EMI Spends)
  • Qualified customers will be communicated for availing Gift Vouchers

Milestone Benefit

  • Enjoy Rs.500 worth Gift Voucher on spends of Rs.1 Lac in a year (Non-EMI, Non-Wallet and Non-Rental Spends)
  • Qualified customers will be communicated for availing Gift Vouchers
  • Please Note : This offer is only applicable from 1 year of card issuance.

Contactless Payment

  • Paytm HDFC Bank Business Credit Card is enabled for contactless payments, facilitating fast, convenient and secure payments at retail outlets.
  • You can use your Card to make quick transactions at merchant locations accepting contactless Cards.

Dining Benefit

Upto 20% discount* on partner restaurants via Dineout while using your HDFC Bank Credit Card.

Quick Loan for Business

Check for term loan eligibility on your credit card for business purposes


Fees & Charges

Activation Steps