HDFC Paytm Credit Card

The key highlights of the Paytm HDFC Bank credit card are given below:

Welcome Benefits:

• As a welcome gift, Paytm HDFC credit card holders are entitled to a complimentary Paytm First membership.
• Exclusive benefits over and above the regular offers.
• To avail of the offer, a user has to do a minimum transaction of Rs. 100.

Cashback Benefits:

• A Paytm HDFC Bank Credit Card user can qualify for the milestone benefit, earning up to Rs 1,200 cashback annually as the credit card fetches a cashback of 1% on spending Rs 10,000 a month. 
• 3% cashback on all purchases on Paytm (movies, recharge, utility, Mini app). The maximum cap is Rs. 500 per calendar month.
• 2% cashback on all other Paytm spends. The maximum cap is Rs. 500 per calendar month.
• 1% cashback on all other retail transactions (excluding fuel, rental, EMIs, and government spends). The maximum cap is Rs. 1,000 per calendar month.
• Cashback is not applicable for fuel spends, wallet loads, rental spends, EMI spends, and government spends.

Dining Benefit

• Up to 20% discount on partner restaurants through Dineout while using the HDFC Bank Credit Card.

Fuel Surcharge Waiver:

• Paytm HDFC credit card provides a 1% fuel surcharge on all fuel transactions. 
• Offer valid on a minimum transaction of Rs. 400 and a maximum of Rs. 5,000.
• The maximum waiver available is up to Rs. 250 per statement cycle. 

Other Benefits:

• Up to 50 days of interest-free credit on credit card.
• Up to 4 complimentary add-on cards.
• Zero-cost liability in case you lose or misplace the card.

Joining & Annual Fees:

• Joining membership fee: Rs. 500 + GST. Waived on spending Rs. 30,000 (Non-EMI spends) within the first 90 days.
• Renewal membership fee: Rs. 500 + GST. Waived on spending Rs. 50,000 (Non-EMI spends) in 12 months.

• Joining Membership Fee: Rs. 500 + GST. Waived on spending Rs. 30,000 (Non-EMI spends) within the first 90 days.
• Renewal Membership Fee: Rs. 500 + GST. Waived on spending Rs. 50,000 (Non-EMI spends) in 12 months. 
• Rental Payments: 1% fee will be applicable on rental transactions from the second rental transaction onwards of the same calendar month.
• International DCC Transactions: 1% mark-up fee to be levied on international DCC Transactions.
• Goods and Services Tax (GST): Effective 1st July 2017, GST is applicable on all Fees, Charges and Interest transactions. 

A user can check the eligibility for a Paytm HDFC credit card through the Paytm mobile application or the Paytm web portal by logging in with their respective mobile number and providing the requisite details such as PAN, Aadhaar for the proof of address and proof of identity.

Additional info: Check HDFC Bank Credit Card Eligibility in detail.