Paytm HDFC Bank Credit Card

• 3% Cashpoints on purchases on Paytm [Recharge + Utility + Movies + Mini App] Max. Cap per Calendar Month - Rs. 500
• 2% Cashpoints on all other Select Paytm Spends. Max. Cap per Calendar Month - Rs. 500
• 1% Cashpoints on all other Retail Spends Max. Cap per Calendar Month - Rs.1000

T&C

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

Effective 1^st April 2023, cashpoints for a particular month shall be accrued in your card account in the first week of the subsequent month on a cumulative basis.

To know more, click here.

1.  Effective 1st January 2023, cashback accruals and redemptions have undergone the below mentioned changes.

a. Rental Payments – No cashback will be given on rental payments

b. Government Spends – No cashback will be given on government spends

c. Grocery Spends - Accruals on Grocery Spends will be capped at 1000 cashpoints per month  

d. Travel Redemption – Redemption of Travel Reward Points will be capped at 50,000 points per month

2.  Effective 1st February 2023, cashback redemptions have further been modified as under.

a. Overall cashback redemption will be capped at 3000 points per month. 

b. 70% points + 30% minimum pay system - A minimum of 30% pay system has been introduced for redemption of points on select categories only.

Effective 1st September, 2024, Wallet loading, Easy EMI transactions and Education payments made through third-party apps like (but not limited to) CRED, Cheq, MobiKwik, and others will NOT earn Reward Points. However, education payments made directly through college/school websites or their POS machines will earn Reward Points.

Avail upto 4 complimentary add-on cards

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.

Free credit period:
Avail up to 50 days of interest free credit on your Credit Card

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

Paytm First Membership 
Paytm First is a premium subscription-based rewards & loyalty program for Paytm users. It offers exclusive benefits, over and above the regular offers. A Paytm First member will enjoy a wide range of exclusive benefits from leading partnered brands. It can be availed upon minimum one transaction of Rs. 100.

Please Note : Paytm First Membership is provided by Paytm. For any queries, please reach out to Paytm Customer Care.

This feature won’t be applicable for customers on boarded on or after 10^th September 2024.

Earn upto Rs. 1200 cashback annually - 
1% Cashback upon spending Rs.10,000 every month (Non-EMI, Non-Wallet and Non-Rental Spends) – [Capped at Rs.100 per month]

• First Year Fee waived upon spending Rs. 30,000 (Non-EMI spends) within the first 90 days
• Renewal Year Fee waived upon spending Rs. 50,000 (Non-EMI spends) in the 12 months period

Please Note : For customers onboarded prior to 1^st April 2023, the below benefit shall be applicable till the time they are moved into annual pricing.

• Get monthly fee waived off on retail spends of Rs.5000 in a month (Non-EMI spends)

Such customers (onboarded prior to 1^st April 2023) shall be moved into the annual pricing cycle from 1 year of their card open date. 

Illustration:

If a customer has opened his card on 1^st October 2022, he shall be moved into the annual pricing cycle on 2^nd October 2023. Till such time the customer shall continue to be part of Monthly Membership Fee cycle and the Monthly Spend Based Fee Waiver Benefit shall be applicable.

Paytm HDFC Bank 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.

Upto 20% discount* on partner restaurants via Dineout while using your HDFC Bank Credit Card.