Features

Features


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

T&C

Fuel, EMI, Wallet loads, Rent payments, Government related transactions will not earn Cashpoints  

Education Payments made through third-party apps like (but not limited to) CRED, Cheq, MobiKwik, and others will not earn Cashpoints 

With effect from 1st July 2025, Online Skill Based gaming transactions will not earn Cashpoints  

Cashpoints for a particular calendar month shall be accrued in your card account in the first week of the subsequent month on a cumulative basis.

For important terms & conditions, click here

To know about cashpoints redemption, click here

Additional Features


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.

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

Revolving Credit: Available at a nominal interest rate on your Paytm HDFC Bank Credit Card. Please refer to Fees and Charges section to know more.

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.

This feature won’t be applicable for customers on boarded on or after 10th September 2024.

Milestone Benefit


Earn 1% Cashpoints upon spending Rs. 10,000 every month (Non-EMI, Non-Wallet and Non-Rental Spends) – [Capped at 100 Cashpoints per month]

Spend Based Fee Waiver


  • First Year Fee waived upon spending Rs. 30,000 (Non-EMI spends) within the first 90 days
  • Renewal Year Fee waived upon spending Rs. 50,000 (Non-EMI spends) in the 12 months period

Contactless Payment


Paytm HDFC Bank 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.

Smart EMI Facility


Paytm HDFC Bank Credit Card comes with an option to convert your big spends into EMI after purchase. To know more click here


FAQs

FEES & CHARGES

Activation Steps