Card Type



CashBack Benefits:

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


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

To know more, click here

Effective 1st January 2023, cashback accruals and redemptions will undergo the below mentioned changes.

  • Rental Payments : No cashback will be given on rental payments
  • Government Spends : No cashback will be given on government spends
  • Grocery Spends : Accruals on Grocery Spends will be capped at 1000 cashpoints per month
  • Travel Redemption : Redemption of Travel Reward Points will be capped at 50,000 points per month

Effective 1st February 2023, cashback redemptions will further be modified as under.

  • Overall cashback redemption will be capped at 3000 points per month.
  • 70% points + 30% minimum pay system - A minimum of 30% pay system to be introduced for redemption of points on select categories only.

Please Note : Only the mentioned categories basis the Merchant IDs / Transaction 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

Enjoy cashback upto Rs.150 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. 

EMI Offers

Enjoy No Cost & Low cost EMI options on your credit card

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

Fees & Charges

Activation Steps