{"id":82856,"date":"2025-12-10T22:14:26","date_gmt":"2025-12-10T16:44:26","guid":{"rendered":"https:\/\/piceapp.com\/blogs\/?p=82856"},"modified":"2025-12-10T22:14:30","modified_gmt":"2025-12-10T16:44:30","slug":"paytm-hdfc-credit-card","status":"publish","type":"post","link":"https:\/\/piceapp.com\/blogs\/paytm-hdfc-credit-card\/","title":{"rendered":"Paytm HDFC Credit Card: Rewards, Benefits &amp; More"},"content":{"rendered":"\n<div class=\"wp-block-group has-background\" style=\"background-color:#f2f5f9\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<p><strong>Key Takeaways:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Get 10% cashback on hotels and flights through the HDFC SmartBuy platform.<\/li>\n\n\n\n<li>Grants you cashback worth \u20b91,000 at over 200+ brands.<\/li>\n\n\n\n<li>Avail 1% fuel surcharge waiver.<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<p>The <strong>Paytm HDFC Credit Card<\/strong> 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.&nbsp;<\/p>\n\n\n\n<p>Read on to know all about what features and benefits this credit offers.<\/p>\n\n\n\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><h2>Table of Contents<\/h2><nav><ul><li><a href=\"#key-privileges-of-the-paytm-hdfc-credit-card\">Key Privileges of the Paytm HDFC Credit Card<\/a><\/li><li><a href=\"#benefits-of-the-paytm-hdfc-credit-card\">Benefits of the Paytm HDFC Credit Card<\/a><\/li><li><a href=\"#paytm-hdfc-credit-card-charges-and-fees\">Paytm HDFC Credit Card Charges And Fees<\/a><\/li><li><a href=\"#eligibility-criteria-to-apply-for-the-paytm-hdfc-credit-card\">Eligibility Criteria to Apply for the Paytm HDFC Credit Card<\/a><ul><li><a href=\"#salaried-individuals\">Salaried Individuals<\/a><\/li><li><a href=\"#self-employed-individuals\">Self-Employed Individuals<\/a><\/li><\/ul><\/li><li><a href=\"#process-of-applying-for-the-paytm-hdfc-credit-card\">Process of Applying for the Paytm HDFC Credit Card<\/a><ul><\/ul><\/li><\/ul><\/nav><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"key-privileges-of-the-paytm-hdfc-credit-card\"><strong>Key Privileges of the Paytm HDFC Credit Card<\/strong><\/h2>\n\n\n\n<div class=\"wp-block-media-text is-stacked-on-mobile\"><figure class=\"wp-block-media-text__media\"><img loading=\"lazy\" decoding=\"async\" width=\"264\" height=\"165\" src=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2025\/12\/Paytm-HDFC-Credit-Card.webp\" alt=\"Paytm HDFC Credit Card\" class=\"wp-image-82881 size-full\" title=\"\" srcset=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2025\/12\/Paytm-HDFC-Credit-Card.webp 264w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2025\/12\/Paytm-HDFC-Credit-Card-150x94.webp 150w\" sizes=\"auto, (max-width: 264px) 100vw, 264px\" \/><\/figure><div class=\"wp-block-media-text__content\">\n<ul class=\"wp-block-list\">\n<li>Get a complimentary Paytm First membership and save up to \u20b975,000.<\/li>\n\n\n\n<li>Get up to 3% cashback on all kinds of purchases across the Paytm platform (utility payments, recharge, Mini app, movies), etc.<\/li>\n\n\n\n<li>Avail 2% cashback on all other Paytm spends.<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"benefits-of-the-paytm-hdfc-credit-card\"><strong>Benefits of the Paytm HDFC Credit Card<\/strong><\/h2>\n\n\n\n<p>You will also get the following<strong> Paytm HDFC credit card<\/strong> <strong>benefits <\/strong>apart from cashback:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Get 1% surcharge waiver at fuel stations across India.<\/li>\n\n\n\n<li>Benefit from \u20b91,000 cashback at over 200+ brands.<\/li>\n\n\n\n<li>Get 10% cashback on hotel and flight bookings.&nbsp;<\/li>\n\n\n\n<li>Get up to 20% dining discount on partner restaurants through Swiggy Dineout.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"paytm-hdfc-credit-card-charges-and-fees\"><strong>Paytm HDFC Credit Card Charges And Fees<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Fees and Charges<\/strong><\/td><td><strong>Amount<\/strong><\/td><\/tr><tr><td>Finance Charges<\/td><td>3.75% (monthly)<\/td><\/tr><tr><td>Joining Fee&nbsp;<\/td><td>\u20b9500 + GST<\/td><\/tr><tr><td>Annual Membership Fee\/Renewal Fee<\/td><td>\u20b9500 + GST<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"eligibility-criteria-to-apply-for-the-paytm-hdfc-credit-card\"><strong>Eligibility Criteria to Apply for the Paytm HDFC Credit Card<\/strong><\/h2>\n\n\n\n<p>The<strong> Paytm HDFC credit card<\/strong> is available only for salaried and self-employed individuals. To be eligible, applicants from these groups must meet the following prerequisites:&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"salaried-individuals\"><strong>Salaried Individuals<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Nationality<\/strong>: Indian<\/li>\n\n\n\n<li><strong>Age<\/strong>: 21 &#8211; 60 years<\/li>\n\n\n\n<li><strong>Income<\/strong>: More than \u20b925,000 net monthly income<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"self-employed-individuals\"><strong>Self-Employed Individuals<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Nationality<\/strong>: Indian<\/li>\n\n\n\n<li><strong>Age<\/strong>: 21 &#8211; 65 years<\/li>\n\n\n\n<li><strong>Income<\/strong>: Annual ITR of more than \u20b96 lakh<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"process-of-applying-for-the-paytm-hdfc-credit-card\"><strong>Process of Applying for the Paytm HDFC Credit Card<\/strong><\/h2>\n\n\n\n<p>Follow these simple steps to <strong>apply for Paytm HDFC credit card<\/strong>:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Visit the official <a href=\"https:\/\/www.hdfc.bank.in\/credit-cards\/paytm-credit-card\" target=\"_blank\" rel=\"noopener\">Paytm HDFC credit card<\/a> page.&nbsp;<\/li>\n\n\n\n<li>Click on the \u2018Apply Now\u2019 tab.&nbsp;<\/li>\n\n\n\n<li>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.<\/li>\n\n\n\n<li>Then, you will have to enter your name, employment details, gender, and mailing address.&nbsp;<\/li>\n<\/ol>\n\n\n\n<p>After successful verification, your new credit card will become active. The physical credit card will be sent to your mailing address.<\/p>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#f2f5f9\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<p><strong>Footnote: <\/strong>The Paytm First membership is activated within 15 working days after a minimum transaction of \u20b9100 within one year of card issuance.<\/p>\n<\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"fa-qs\"><strong>FAQs<\/strong><\/h3>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1765346045863\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">What is the cash withdrawal charge for a Paytm credit card?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>The HDFC Paytm credit card charges a nominal fee of 2.5% of the withdrawn amount or levies a minimum charge of \u20b9500 (whichever is higher).<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1765346191088\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">What is the milestone benefit on Paytm HDFC credit cards?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>You can earn 1% cashpoints on a minimum spend of \u20b910,000 every month. This has a cap of \u20b9100 per month. The milestone benefit does not apply to Wallet, Rental and EMI spends.\u00a0<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1765346200724\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Can I waive off my Paytm HDFC credit card renewal fee?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>The renewal fee of the <strong>Paytm HDFC credit card<\/strong> can be waived off on a minimum spend of \u20b950,000 (on Non-EMI spends) in a 12-month window period.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1765346212443\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">When will I receive the cashpoints in my account?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>The cashpoints for a particular calendar month are credited to your account within the first week of the subsequent month.\u00a0<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Key Takeaways: 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.&nbsp; Read on to know all about what features and benefits this credit offers. Key Privileges [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":82885,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-82856","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-card"],"_links":{"self":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/82856","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/users\/7"}],"replies":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/comments?post=82856"}],"version-history":[{"count":3,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/82856\/revisions"}],"predecessor-version":[{"id":82884,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/82856\/revisions\/82884"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media\/82885"}],"wp:attachment":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media?parent=82856"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/categories?post=82856"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/tags?post=82856"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}