The Paytm HDFC Credit Card is a co-branded cashback credit card designed for digital-first users who frequently spend through Paytm. Offered in partnership between HDFC Bank and Paytm, the card provides cashback on Paytm transactions, retail spends, recharges, utility bill payments, movies, and other eligible categories. It also offers contactless payment support, fuel surcharge waiver, SmartEMI, PayZapp integration, and card management through HDFC Bank’s digital platforms. With an annual fee waiver option and cashback in the form of CashPoints, this card is suitable for customers who want savings on everyday digital and retail payments.
Overview of Paytm HDFC Bank Credit Card
The Paytm HDFC Bank Credit Card offers cashback-driven benefits for Paytm users and everyday spenders.
| Feature | Details |
| Card Category | Cashback and Digital Spend Credit Card |
| Primary Benefit | Cashback on Paytm and retail spends |
| Cashback Type | CashPoints |
| Annual Membership Fee | ₹500 + GST |
| First-Year Fee Waiver | Spend ₹30,000 in non-EMI purchases within 90 days |
| Renewal Fee Waiver | Spend ₹50,000 in non-EMI purchases in 12 months |
| Fuel Surcharge Waiver | 1% waiver at fuel stations |
| Interest-Free Period | Up to 50 days |
| Contactless Payments | Enabled up to ₹5,000 without PIN |
| Card Management | HDFC MyCards, NetBanking, Mobile Banking |
Eligibility Criteria for Paytm HDFC Credit Card
Applicants must meet HDFC Bank’s age, nationality, income, and credit assessment requirements.
- Applicant must be an Indian national.
- Salaried applicants should be between 21 and 60 years of age.
- Salaried applicants should have a net monthly income above ₹25,000.
- Self-employed applicants should be between 21 and 65 years of age.
- Self-employed applicants should have an annual ITR above ₹6 lakh.
- A good credit score and repayment history improve approval chances.
- Final approval depends on HDFC Bank and Paytm’s internal eligibility checks.
Documents Required for Paytm HDFC Bank Credit Card
Applicants should keep basic KYC, address, and income documents ready for the application process.
- Identity Proof: Documents such as PAN card, Aadhaar card, Passport, Voter ID, or Driving Licence.
- Address Proof: Utility bills (electricity, water, gas), Rental agreement, Aadhaar, or Passport.
- Income Proof: Salary slips, Form 16, Bank statements, or Income Tax Returns (ITR).
- Photographs: Recent passport-size photographs are required.
Also Read: Swiggy HDFC Credit Card
Fees and Charges for Paytm HDFC Credit Card
The Paytm HDFC Credit Card has a simple fee structure with spend-based waiver benefits.
| Charge Type | Amount / Condition |
| Annual Membership Fee | ₹500 + GST |
| First-Year Fee Waiver | Spend ₹30,000 in non-EMI purchases within the first 90 days |
| Renewal Fee Waiver | Spend ₹50,000 in non-EMI purchases in 12 months |
| Cash Withdrawal Fee | 2.5% of the withdrawn amount or a minimum ₹500 |
| Interest-Free Period | Up to 50 days |
| Fuel Surcharge Waiver | 1% waiver on eligible fuel spends |
| GST | Applicable to fees, charges, and interest |
| Rental Payment Fee | 1% from the second rental transaction in the same calendar month |
| International DCC Markup | 1% on international DCC transactions |
Steps to Apply for Paytm HDFC Credit Card
Customers can apply for the Paytm HDFC Bank Credit Card through the Paytm app or HDFC Bank’s digital channels.
- Open the Paytm app on your smartphone.
- Log in using your registered mobile number.
- Search for “Credit Cards” or visit the financial services section.
- Check your card offer eligibility.
- Enter personal, employment, and income details.
- Upload the required documents, if requested.
- Complete verification or Video KYC, if applicable.
- Submit the application for approval.
- Wait for confirmation and card dispatch after approval.
Track Paytm HDFC Bank Credit Card Application Status
Applicants can track their Paytm HDFC Bank Credit Card application through HDFC Bank’s online tracking facility.
- Visit the official HDFC Bank website.
- Go to the Credit Card Services section.
- Select “Track Your Credit Card”.
- Enter your application reference number or registered mobile number.
- Complete OTP verification, if required.
- Submit the details.
- View the latest application and delivery status.
Applicants may also check updates through the Paytm app or the HDFC MyCards platform.
Also Read: IRCTC HDFC Credit Card
Features & Benefits of Paytm HDFC Credit Card
The Paytm HDFC Bank Credit Card offers cashback, convenience, and security features for digital payments and retail spends.
Cashback on Paytm Spends
- Earn 3% cashback on selected Paytm purchases such as Paytm Mall, movies, and Mini App spends.
- Earn 2% cashback on other eligible Paytm spends.
- Earn 1% cashback on other eligible retail spends.
- Cashback is credited as CashPoints.
Cashback Redemption
- Cashback is issued in the form of CashPoints.
- CashPoints can be redeemed against the credit card statement balance.
- Cashback is not applicable to wallet loads, fuel spends, EMI spends, rental spends, and government spends.
- Cashback redemption is subject to monthly caps and card terms.
Fuel Surcharge Waiver
- Get 1% fuel surcharge waiver at fuel stations across India.
- The waiver is applicable to eligible transactions as per the card terms.
Contactless Payment
- The card supports contactless payments at retail outlets.
- In India, transactions up to ₹5,000 can be completed without entering the credit card PIN.
- Transactions of ₹5,000 or more require PIN authentication.
SmartEMI Facility
- Large eligible purchases can be converted into easy monthly installments.
- This helps users manage high-value transactions more conveniently.
PayZapp Integration
- Link the Paytm HDFC Bank Credit Card with PayZapp.
- Earn additional cashback on utility bills, mobile recharges, and selected in-app shopping offers.
Zero Cost Card Liability
- Protection is available on fraudulent transactions if reported immediately to HDFC Bank’s 24-hour call centre.
- This feature helps reduce liability in case of card loss or misuse.
Also Read: Marriott Bonvoy Credit Card
Paytm HDFC Bank Credit Card Customer Care Number
HDFC Bank offers comprehensive customer support for the Paytm HDFC Bank Credit Card through multiple channels, allowing cardholders to report lost cards, resolve billing issues, or seek assistance at any time.
| Contact Channel | Details / Information |
| 24×7 Toll-Free Numbers (India) | 1860 267 6161 / 1800 202 6161 |
| Helpline for Customers Abroad | +91 22 61606160 |
| Customer Care Email | customerservices.cards@hdfcbank.com |
| Card Blocking Support | Available through HDFC MyCards, NetBanking, and Mobile Banking |
| Support Timings | 24 hours, including Sundays and bank holidays |
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