Credit Card

Paytm HDFC Bank Mobile Credit Card, Rewards and Benefits, Joining Fees & Charges, Apply Online

Paytm HDFC Bank Mobile Credit Card: The trio of Paytm HDFC Bank Credit Cards, each designed to cater to different needs and preferences. Among them, the Paytm HDFC Bank Mobile Credit Card stands out as the most accessible option, offering affordability and convenience to all users.

With a minimal monthly membership fee of just Rs. 29 + GST, this card ensures that financial flexibility is within reach for everyone. Better yet, this fee can be easily waived by meeting a modest spending requirement of Rs. 2,500 or more in the previous month.

Despite its simplicity, the Paytm HDFC Bank Mobile Credit Card packs a punch when it comes to rewards. Earn up to 2% cashback on all your transactions (excluding a few specified categories), making every spend count towards savings and benefits.

But the perks don’t stop there. Unlock exclusive milestone benefits by consistently spending Rs. 10,000 or more each month for three consecutive months. This opens the door to even more rewards and privileges akin to the Paytm HDFC Bank Credit Card.

Moreover, enjoy savings on fuel expenses with a 1% fuel surcharge waiver on all transactions exceeding Rs. 400, adding extra value to your everyday purchases.

With its blend of affordability, rewards, and milestone benefits, the Paytm HDFC Bank Mobile Credit Card is the perfect companion for those seeking simplicity and value in their credit card experience. Discover the full range of benefits and features this card has to offer, and start maximizing your savings today.

Fees Joining Fee-  Rs. 29 + GST
Renewal Fee- Rs. 29 + GST (per month)
Best Suited For


Reward Type Reward Points
Welcome Benefits NA

Rewards and Benefits

  • Enjoy dining out and catching the latest flicks with exclusive perks from our partner restaurants through Dineout, where you can indulge in up to a generous 20% discount. Plus, elevate your entertainment experience with our Rewards Rate, offering 2% cashback on Paytm Mall purchases, movies, and Mini app usage, along with 1% cashback on all other spends within the Paytm app, and a respectable 0.5% cashback on all other transactions.
  • When it comes to redeeming your rewards, the options are plenty. Convert your accumulated Cashpoints into cashback, where every Re.1 Cashpoint equals Re.1 in cashback for statement balance adjustments. Alternatively, explore other redemption avenues such as travel benefits like flight and hotel bookings or browsing through the Rewards Catalogue available at the SmartBuy Rewards Portal, where Re.1 Cashpoint equals Re.0.3 towards these exciting opportunities.
  • While our card may not offer traditional travel perks like lounge access or travel insurance, we ensure your peace of mind with Zero Liability Protection. Rest easy knowing that you won’t be held accountable for any fraudulent transactions reported promptly to the bank. Experience the convenience and security you deserve with our card tailored to your lifestyle needs.

Fees & Charges

  • Spend Based Waiver- Experience the freedom of fee waivers with our card. Simply spend Rs. 2,500 or more in the previous month and enjoy a monthly fee waiver. Our commitment to transparency extends to our Rewards Redemption Fee—there isn’t one.
  • Rewards Redemption Fee- Nil
  • Foreign Currency Markup- When it comes to international transactions, rest assured with a competitive foreign currency markup of 3.5%, ensuring you stay in control of your spending globally.
  • Interest Rates- As for interest rates, we offer a competitive 3.75% per month (45% annually), ensuring flexibility and affordability in managing your finances.
  • Fuel Surcharge- Refuel without worry as we provide a 1% fuel surcharge waiver, capped at Rs. 250 per month, making your journeys smoother and more economical.
  • Cash Advance Charges- Need cash in a pinch? Our cash advance charges are straightforward—2.5% of the transacted amount, with a minimum of Rs. 500, ensuring accessibility without hidden fees.
  • Add-on Card Fee- Lastly, enjoy the flexibility of an add-on card without the burden of additional fees. Experience the convenience and value our card brings to your financial journey.

Product Details

  • Earn cashback rewards tailored to your spending habits with the Paytm HDFC Credit Card. Enjoy a cashback of 1% to 2% on all your transactions made through the Paytm app, ensuring savings with every purchase. For all other retail spends, rest assured with an assured cashback of 0.5%, making every transaction rewarding.
  • Reach milestone spends and unlock exclusive benefits designed to enhance your lifestyle. Experience the full suite of privileges offered by the Paytm HDFC Credit Card as you achieve your spending goals.
  • Experience the convenience of a spend-based waiver on the monthly membership fee, ensuring that your rewards are truly earned. Additionally, enjoy the added perk of a 1% fuel surcharge waiver on all transactions exceeding Rs. 250, making your journeys smoother and more economical.
  • Discover a credit card that not only rewards your spending but also enhances your overall experience with unbeatable benefits and savings.

Introducing the Paytm HDFC Bank Mobile Credit Card, designed to elevate your spending experience with unbeatable cashback rewards and exclusive benefits. Earn a generous 2% cashback on all purchases made through Paytm Mall, Paytm Movies, and the Mini app, ensuring savings on your everyday essentials and entertainment needs. Additionally, enjoy 1% cashback on all other transactions within the Paytm app, and 0.5% cashback on both online and offline purchases, making every spend rewarding.

Reward redemption is seamless with Cashpoints, where you can choose to offset your outstanding balance or explore other redemption options such as flights, hotels, airmiles, and product catalogue offerings through SmartBuy.

Unlock superior benefits by achieving a spend of Rs. 10,000 or more in three consecutive months, transitioning to the Paytm HDFC Bank Credit Card, offering enhanced features and rewards.

Experience the convenience of a spend-based waiver on the monthly membership fee, making your card ownership hassle-free. Plus, enjoy fuel savings with a 1% fuel surcharge waiver on transactions exceeding Rs. 400, capped at Rs. 250 per month.

Bottom Line

The Paytm HDFC Bank Mobile Credit Card caters to individuals seeking value and savings with a nominal membership fee. Whether you’re embarking on your credit journey or looking for a card with rewarding benefits, this card is the perfect choice. Don’t miss out on the opportunity to maximize your savings and elevate your spending experience.

Apply Now

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