Features

Card Type


Cashpoints

Features


Cashpoints Benefits:

  • 2% accelerated cashpoints on using the Scan & Pay feature on Paytm App - Select Merchants only (capped at 250 cashpoints per calendar month)
  • 2% cashpoints on key accelerated categories - Swiggy and Uber (capped at 250 cashpoints per calendar month)
  • 1% cashpoints on all other Retail Spends including Paytm spends (capped at 500 cashpoints per calendar month)


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 detailed terms & conditions, click here

To know about cashpoints redemption, click here

Additonal 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


Earn upto 150 cashpoints on your first 2 transactions. In order to qualify for this offer, the minimum spend on each transaction must be Rs. 250.

Spend Based Fee Waiver


  • First Year Fee waived off on spending  INR 1,000 in first 40 days
  • Renewal Year Fee waived off on spending Rs.25,000 in a calendar year.

Contactless Payment


Paytm HDFC Bank Digital 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


Please note : Smart EMI facility is not applicable for Paytm HDFC Bank Digital Credit Card



FAQs

Fees & Charges

Activation Steps