Paytm HDFC Card: Cashback and Benefits for Everyday Spending in 2025

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Card Fees

₹0

Joining Fees

₹500

Annual Fees

3.5%

Foreign Transaction Fee

43.2%

APR

2.5%

Over-limit Fee

Eligibility Criteria

21-60

Minimum & maximum age criteria

₹20,000

Minimum monthly income

750

Minimum credit score

Category

, ,

Minimum Credit Score Required

750

Annual Charges

₹500

Features

  • 3% Cashback on Paytm Spends
  • 2% on Online, 1% on Offline
  • Automatic Cashback to Wallet

Welcome Offer

  • ₹500 Cashback on Activation
  • Free Paytm First Membership
  • Bonus Cashback on 1st Purchase

The Paytm HDFC Bank Credit Card is a co-branded credit card designed to offer significant benefits to users of Paytm, India’s leading digital wallet and e-commerce platform.

Written By:

Hasnain Memon

Last Updated:

April 26, 2025

Key Features

  1. Cashback on Paytm Transactions:
    • 5% cashback on Paytm Movies, Travel, and Shopping.
    • 3% cashback on mobile recharges and bill payments via the Paytm app.
    • 1% cashback on all other retail spends.
  2. Annual Fee Waiver:
    • The annual fee of ₹500 plus applicable taxes is waived if you spend ₹50,000 or more on retail purchases (excluding non-EMI spends) within a year.
  3. Fuel Surcharge Waiver:
    • 1% fuel surcharge waived on fuel transactions of ₹400 to ₹5,000, with a maximum waiver of ₹250 per statement cycle.
  4. Contactless Payments:
    • Enabled for quick and secure transactions at retail outlets accepting contactless cards.
  5. Dining Benefits:
    • Up to 20% discount at partner restaurants through Dineout when using the HDFC Bank Credit Card.

Fees and Charges

Fee/ChargeAmount
Annual Fee₹500 + applicable taxes (waived on spending ₹50,000 in a year)
Interest Rate3.6% per month (43.2% annually)
Cash Advance Fee2.5% of the transaction amount or ₹500, whichever is higher
Foreign Currency Mark-Up Fee3.5% on international transactions
Late Payment Fee₹100 to ₹1,100 depending on the outstanding amount
Overlimit Fee₹500
Returned Payment Fee₹500
Fuel Surcharge1% on fuel transactions of ₹400 to ₹5,000, with a maximum waiver of ₹250 per statement cycle
Duplicate Statement Fee₹100 per statement

Pro and Cons:

Pros:

  • High Cashback Rates: Attractive cashback on Paytm Movies, Travel, Shopping, and bill payments.
  • Annual Fee Waiver: Fee waived upon meeting annual spending requirements.
  • Fuel Surcharge Waiver: Savings on fuel transactions.
  • Contactless Payments: Convenient and secure transactions.

Cons:

  • Limited to Paytm Transactions: Benefits are primarily for Paytm-related purchases.
  • Annual Fee Applicable: Fee applies if spending targets are not met.
  • No Travel or Lounge Perks – Not suited for premium use.

How to Apply

Apply Now
  • Online Application:
    • Visit the official HDFC Bank website to apply online.
  • Eligibility Check:
    • Ensure you meet the eligibility criteria, including age, income, and credit score requirements.
  • Documentation:
    • Provide necessary documents such as identity proof, address proof, and income proof.
  • Approval Process:
    • Upon submission, the bank will process your application and notify you of the approval status.

Additional Information

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  1. Is there any annual fee for this card?
    • Yes, the annual fee is ₹500 plus applicable taxes, which is waived if you spend ₹50,000 or more on retail purchases in a year.
  2. How can I redeem the cashback earned?
    • Cashback is automatically credited to your Paytm wallet, which can be used for purchases on Paytm or at partner merchants.
  3. Are there any foreign transaction fees?
    • Yes, a 3.5% foreign currency mark-up fee is applicable on international transactions.
  4. Can I avail of EMI options on this card?
    • Yes, the card offers no-cost and low-cost EMI options on eligible purchases.
  5. Is this card suitable for international use?
    • While the card can be used internationally, the high foreign currency mark-up fee may make it less ideal for frequent international travelers.

Related finds:

  1. SBI Cashback Credit Card Review 2025 – Flat 5% Cashback on All Online Spends
  2. HDFC MoneyBack+ Credit Card: Maximize Cashback on Shopping in 2025
  3. HDFC Regalia Gold Credit Card – Travel, Dining & Lounge Benefits Explained [2025 Guide]
  4. Tata Neu Plus HDFC Bank Credit Card: Features, Fees, Benefits, and Drawbacks Explained

About

At FinWitty, we dive deep into the features, benefits, and rewards of various credit cards to bring you honest reviews, comparisons, and recommendations. Whether you’re looking for the best cashback card, travel perks, or fuel savings, we ensure you have all the insights needed to pick the perfect card for your needs.

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