Paytm HDFC Credit Card: Rewards, Benefits & More

Bio

An Alumnus of IIM and DU with almost a decade of experience in the banking and finance sectors. I had the opportunity to work with all types of institutions in BFSI ecosystem like Bank, NBFC, Fintech, Consulting and Auditor. I started my professional journey at KPMG and subsequently worked in leading names of the BFSI sector including Ujjivan Bank, Vistaar Finance. Currently building a fintech startup ( PICE) by handling alliances, compliance and creation of GTM strategy for payments and credit product.

10 Dec 25
3 mins

Saurabh Agrawal

08 Mins
10-12-25

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Table of Contents

Key Privileges of the Paytm HDFC Credit Card
Benefits of the Paytm HDFC Credit Card
Paytm HDFC Credit Card Charges And Fees
Eligibility Criteria to Apply for the Paytm HDFC Credit Card
Process of Applying for the Paytm HDFC Credit Card

Key Takeaways:

Get 10% cashback on hotels and flights through the HDFC SmartBuy platform.
Grants you cashback worth ₹1,000 at over 200+ brands.
Avail 1% fuel surcharge waiver.

The Paytm HDFC Credit Card is a co-branded card designed for users looking to earn rewards on lifestyle and everyday spending. Ideal for beginners, it offers a simple and rewarding way to make the most of your transactions.

Read on to know all about what features and benefits this credit offers.

Key Privileges of the Paytm HDFC Credit Card

Get a complimentary Paytm First membership and save up to ₹75,000.
Get up to 3% cashback on all kinds of purchases across the Paytm platform (utility payments, recharge, Mini app, movies), etc.
Avail 2% cashback on all other Paytm spends.

Benefits of the Paytm HDFC Credit Card

You will also get the following Paytm HDFC credit card benefits apart from cashback:

Get 1% surcharge waiver at fuel stations across India.
Benefit from ₹1,000 cashback at over 200+ brands.
Get 10% cashback on hotel and flight bookings.
Get up to 20% dining discount on partner restaurants through Swiggy Dineout.

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Paytm HDFC Credit Card Charges And Fees

Fees and Charges	Amount
Finance Charges	3.75% (monthly)
Joining Fee	₹500 + GST
Annual Membership Fee/Renewal Fee	₹500 + GST

Eligibility Criteria to Apply for the Paytm HDFC Credit Card

The Paytm HDFC credit card is available only for salaried and self-employed individuals. To be eligible, applicants from these groups must meet the following prerequisites:

Salaried Individuals

Nationality: Indian
Age: 21 - 60 years
Income: More than ₹25,000 net monthly income

Self-Employed Individuals

Nationality: Indian
Age: 21 - 65 years
Income: Annual ITR of more than ₹6 lakh

Process of Applying for the Paytm HDFC Credit Card

Follow these simple steps to apply for Paytm HDFC credit card:

Visit the official Paytm HDFC credit card page.
Click on the ‘Apply Now’ tab.
Next, enter your personal details like mobile number, PAN, and date of birth. An OTP will be sent to your mobile number for validating details.
Then, you will have to enter your name, employment details, gender, and mailing address.

After successful verification, your new credit card will become active. The physical credit card will be sent to your mailing address.

Footnote: The Paytm First membership is activated within 15 working days after a minimum transaction of ₹100 within one year of card issuance.

FAQs

What is the cash withdrawal charge for a Paytm credit card?

The HDFC Paytm credit card charges a nominal fee of 2.5% of the withdrawn amount or levies a minimum charge of ₹500 (whichever is higher).

What is the milestone benefit on Paytm HDFC credit cards?

You can earn 1% cashpoints on a minimum spend of ₹10,000 every month. This has a cap of ₹100 per month. The milestone benefit does not apply to Wallet, Rental and EMI spends.