Unlock Cashback & Rewards with the Paytm HDFC Business Credit Card

Bio

Sandipan Mitra is the CEO and co-founder of Pice. He boasts eight years of experience in the B2B and fintech sector. Sandipan's journey includes significant roles at multiple Indian Unicorns Including Product at PayU, and as founding member / VP, Product at Open Financial Technologies.

9 Jan 26
3 mins

Sandipan Mitra

08 Mins
09-01-26

One App for all Business Payments

Download Now One App for all Business Payments

Table of Contents

Key Rewards of Using the Paytm HDFC Business Credit Card
Additional Paytm HDFC Business Card Features
Paytm HDFC Business Card Fees & Charges
Conclusion

The Paytm HDFC Business Credit Card offers up to 3% cashback on select Paytm spends.
Cashback is capped monthly but covers most routine business transactions.
Welcome bonus and Paytm First membership add immediate value.
Milestone spends help waive joining and renewal fees.
Best suited for merchants frequently using the Paytm ecosystem.

If most of your payments run through Paytm, this card will fit right into your routine! The Paytm HDFC Business Credit Card rewards your regular spending with up to 3% cashback on select transactions, especially when you pay or shop via the Paytm app.

Even outside Paytm, the card offers cashback on eligible business spends, with a few exclusions. Simple to use and easy to earn from, this co-branded card is designed to give back on the payments you already make every day.

Key Rewards of Using the Paytm HDFC Business Credit Card

Cashback Program

Enjoy 3% cashback for specific purchases on Paytm, including Recharge, Utility, Movies and Mini App.
Get 2% cashback on all other Paytm spends.
Earn 1% cashback on all other retail transactions.

Note: Capping on 3%, 2% and 1% cashback is ₹500, ₹500 and ₹1,000 per calendar month. It is not available for spends like Fuel, EMIs, Rental, Education Spends, etc.

Welcome Bonus

Enjoy ₹250 worth of gift vouchers for making 2 transactions within 30 days of activation.
Get a Paytm First Membership by activating your Paytm HDFC Business credit card.

Milestone Benefits

Spend ₹1 lakh within a membership year and get ₹500 worth of a gift voucher.
Get a joining fee reversal on spending ₹30,000 on your card within the first 90 days.
Get your renewal fee waived for spending ₹50,000 within a calendar year.

Note: EMI and Rental spends will not count as spends.

Additional Paytm HDFC Business Card Features

Enjoy up to 20% discount on partner restaurants for dineout using your Paytm HDFC Business credit card.
Enjoy convenient contactless payments through this card.
Get instant business loans with the Paytm HDFC Business credit card.

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Paytm HDFC Business Card Fees & Charges

Charges	Amount and Conditions
Joining/renewal Fees	₹500 (Both waivable)
Cash Withdrawal Fee	2.5% of the withdrawal amount or ₹500, whichever is higher.
Interest on Late Payments	3.75% per month (45% p.a)
Late Payment Fee	₹0 to ₹1,300, depending on the due amount.
Foreign Exchange fee (Forex Fee)	3.50% of the transaction amount.

💡Never miss a credit card payment and be liable for high interest charges! Set up automatic bill payments with the Pice App today.

Conclusion

The Paytm HDFC Business Credit Card is ideal for businesses that rely on Paytm for daily transactions. With strong cashback rates, milestone benefits, and fee waivers, it rewards routine spending efficiently. If Paytm is central to your payments, this card delivers consistent value.