Paytm HDFC Bank Mobile Credit Card
- Updated On: 19 May, 2026
The HDFC Bank issues three credit cards in partnership with Paytm: Paytm HDFC Bank Select Credit Card, Paytm HDFC Bank Credit Card, and Paytm HDFC Bank Mobile Credit Card. Out of the three, the Paytm HDFC Bank Mobile Credit Card is the most basic one and is affordable for all. It comes with a very nominal monthly membership fee of ₹149 + GST, which can be waived if you have spent ₹25,000 or more in the previous year. With this card, you can earn a cashback of up to 2% on all your spends (except a few transactions).
Other than all this, the card comes with an exclusive offer as a milestone benefit. If you spend ₹10,000 every month for three consecutive months, you can get the benefits of the Paytm HDFC Bank Credit Card. You can also save on all your fuel transactions as the card comes with a 1% fuel surcharge waiver on all fuel transactions above ₹400. To know more about the benefits of the card and its features, refer to the information given below:
Paytm HDFC Bank Mobile Credit Card
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- Joining Fee
- Annual Fee
- Best Suited For
- Reward Type
Rewards Rate
2% cashback on Paytm mall, movies & Mini app, 1% cashback on other spends on Paytm app, and 0.5% cashback on all other spends.
Welcome Benefits
NA
Rewards and Benefits
Movie & Dining
Up to 20% discount on partner restaurants via Dineout.
Rewards Rate
2% cashback on Paytm mall, movies & Mini app, 1% cashback on other spends on Paytm app, and 0.5% cashback on all other spends.
Reward Redemption
Redeem your Cashpoints as Cashback along with other redemption options.Re.1 Cashpoint =Re.1 Cashback for redemption against the statement balance. Re.1 Cashpoint = Re.0.3 for redemption against travel benefits like Flight & Hotel bookings and Rewards Catalogue at the SmartBuy Rewards Portal.
Travel
NA
Domestic Lounge Access
NA
International Lounge Access
NA
Golf
NA
Insurance Benefits
NA
Fees & Charges
Spend-Based Waiver
Annual Fee Waiver on Spends of ₹25,000
Rewards Redemption Fee
Nil
Foreign Currency Markup
3.5% on all foreign currency transactions
Interest Rates
3.75% per month (45% annually)
Fuel Surcharge Waiver
1% fuel surcharge waiver capped at Rs. 250 per month.
Cash Advance Charges
2.5% of the transacted amount subject to a minimum of Rs. 500.
Product Details
- A cashback of 1%-2% on your spends on the Paytm app.
- An assured cashback of 0.5% on all other retail spends.
- Get all the exclusive benefits of the Paytm HDFC Credit Card when you reach the milestone spend.
- Spend-based waiver of the annual membership fee.
- 1% fuel surcharge waiver on all transactions above Rs. 250.
Paytm HDFC Bank Mobile Credit Card Cashback
- You earn a 2% cashback on all your spending on Paytm Mall, Paytm movies, and the Mini app. Maximum cap of ₹250.
- You earn a cashback of 1% on all other spends on the Paytm app. Maximum cap of ₹250.
- You earn a cashback of 0.5% on all other online & offline purchases. Maximum cap of ₹500.
- No cashback is earned on selected spends, including EMI transactions, rent, fuel purchases, and wallet reloads.
Reward Redemption
The cashback earned on the Paytm HDFC Bank Select Business Credit Card are given to the cardholder as Cashpoints. Cashpoints can also be redeemed by the customer against outstanding balance as cashback or can be used for redeeming against other categories such as Smartbuy (Flights/Hotels), Airmiles & Product Catalogue.
Milestone Benefits
On achieving a spend of ₹10,000 or more in 3 consecutive months, you can unlock the benefits of the Paytm HDFC Bank Credit Card, which is a superior version of the Paytm HDFC Bank Mobile Credit Card.
Fuel Surcharge Waiver
- The 1% fuel surcharge is waived off at all fuel stations for all transactions worth ₹ 400 or more.
- The maximum benefit through the fuel surcharge waiver is capped at ₹250 per month for the Paytm HDFC Bank Mobile Credit Card.
Bottom Line
The Paytm HDFC Bank Mobile Credit Card is an entry-level credit card issued by the bank in partnership with Paytm. This card is aimed at providing decent saving benefits to individuals who are looking for a credit card with a nominal membership fee. It doesn’t only earn you cashback on all your spends, but also gives you an opportunity to unlock the benefits of the Paytm HDFC Bank Credit Card that comes with relatively more exciting features. You can also save on your fuel purchases by getting the 1% fuel surcharge waived and on the membership fee by achieving a spend of ₹25,000 or more each month. If you are someone who is just going to start their credit journey and want to have an entry-level credit card, the Paytm HDFC bank Credit Card would be a decent choice. If you have any further questions regarding the above information, make sure to ask us in the comment section below!
FAQs:
What is the annual fee of the Paytm HDFC Bank Mobile Credit Card?
The Paytm HDFC Bank Mobile Credit Card doesn’t charge an annual fee but charges a monthly membership fee of ₹149 + GST.
What is the reward rate for transactions made outside the Paytm app?
The Paytm HDFC Bank Mobile Credit Card earns you a cashback of 0.5% on all retail transactions outside the Paytm app, i.e, the reward rate is 0.5% for such transactions.
What is the foreign currency markup fee on this card?
The foreign currency markup fee on the Paytm HDFC Bank Mobile Credit Card is 3.5% on all international transactions.
Can I use the cashback against my outstanding balance?
Yes, Cashpoints can also be redeemed by the customer against outstanding balance as cashback or can be used for redeeming against other categories such as Smartbuy (Flights/Hotels), Airmiles & Product Catalogue.Re.1 Cashpoint =Re.1 Cashback for redemption against the statement balance.