Boost Your Savings with the Paytm HDFC Bank Select Business Credit Card

Bio

Shreyansh Singh, an IIT Kanpur alumnus, has eight years of experience in the finance industry. He has spent 5 years at American Express developing mid to long-term strategies for multiple markets including US, Europe and India. Shreyansh currently leads Growth and Strategy initiatives at Pice.

9 Jan 26
4 mins

Shreyansh Singh

08 Mins
09-01-26

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Table of Contents

Paytm HDFC Select Business Card Benefits
Fees and Charges of the Paytm HDFC Bank Select Business Credit Card
Things You Should Know About the Paytm HDFC Bank Select Business Credit Card
Conclusion

The Paytm HDFC Bank Select Business Credit Card offers up to 5% cashback on Paytm transactions.
Cashback is credited as CashPoints, redeemable for travel, shopping, or statement cashback.
Regular spenders benefit from quarterly and annual milestone vouchers.
The card provides 12 complimentary domestic airport lounge visits annually.
Annual fees are waivable by meeting the prescribed spending thresholds.

If you have been using Paytm to manage your payments, the Paytm HDFC Bank Select Business Credit Card adds extra value to every transaction. This cashback card offers up to 5% cashback on Paytm spends, credited as Cashpoints that can be redeemed for shopping, flight and hotel bookings or direct cashback.

Beyond Paytm purchases, the card also comes with a range of additional features designed to reward regular spending. Read on to explore how this card helps you earn more from the payments you already make.

Paytm HDFC Select Business Card Benefits

Welcome Bonus

Get a free Paytm First Membership upon activation of your Paytm HDFC Bank Select Business Credit Card.

CashPoints Program

Enjoy 5% savings on all purchases on Paytm, including recharge, utility, travel, movies and Mini App.
Get 3% cashback on specific spends, including Swiggy, AJIO, Big Basket & Uber.
Enjoy 1% cashback on all other retail transactions except fuel, EMIs, rental, and government spends.

Milestone Bonus

Get a ₹500 worth of gift vouchers every quarter for reaching the ₹50,000 spending milestone in the previous quarter.
Spend ₹1.5 lakh within a year to get your renewal fee waived.
Enjoy ₹1,000 worth of gift vouchers on spending ₹2 lakh a calendar year.

Lounge Accesses

Enjoy 12 complimentary domestic airport lounge accesses in a year with this card.

Fees and Charges of the Paytm HDFC Bank Select Business Credit Card

Charges	Amount and Conditions
Joining and Renewal Fee	₹1,000 (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

💡Never miss a payment date and be liable to extra charges with the help of the Pice App. Download and link your credit card for timely bill payment now!

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Things You Should Know About the Paytm HDFC Bank Select Business Credit Card

You cannot earn CashPoints on specific spends, including wallet loads, fuel spends, EMI spends, rental spends and government spends.
You can only redeem up to 50,000 CashPoints in a month for travel.
The cashback you earn on grocery spends is capped at ₹1,000 CashPoints per month.
You can only redeem 3,000 CashPoints in a month to get cashback on your statement balance.
You can redeem up to 70% value with CashPoints while purchasing select items.

Conclusion

The Paytm HDFC Bank Select Business Credit Card is a rewarding choice for frequent Paytm users and small businesses. With high cashback on Paytm spends, milestone rewards, lounge access, and flexible CashPoints redemption, it helps maximise value from everyday business and personal expenses.