CashPoints Benefits:

• 3% CashPoints on purchases on Paytm [Recharge + Utility + Movies + Mini App] Max. Cap per Calendar Month - ₹ 500

• 2% CashPoints on all other Select Paytm Spends. Max. Cap per Calendar Month - ₹ 500

• 1% CashPoints on all other Retail Spends Max. Cap per Calendar Month - ₹1000

Redemption Rules: 

• CashPoints are not applicable for wallet loads, fuel spends, EMI spends, rental spends and education spends.

• CashPoints can be redeemed as CashBack along with other redemption categories.

• Effective 1st April 2023, CashPoints for a particular month shall be accrued in your card account in the first week of the subsequent month on a cumulative basis. To know more, click here.

• Effective 1st January 2023, CashBack accruals and redemptions have undergone the below mentioned changes.

• Rental Payments – No CashBack will be given on rental payments

• Education Spends – No CashBack will be given on education spends

• Grocery Spends - Accruals on Grocery Spends will be capped at 1000 CashPoints per month  

• Travel Redemption – Redemption of Travel Reward Points will be capped at 50,000 points per month

• Effective 1st February 2023, CashBack redemptions have further been modified as under.

• Overall CashBack redemption will be capped at 3000 points per month. 

• 70% points + 30% minimum pay system - A minimum of 30% pay system has been introduced for redemption of points on select categories only.

• Please Note: Only the mentioned categories basis the Merchant IDs / Terminal IDs in the list shall be applicable for relevant CashBacks.  To view the list, please click here.

• Free credit period: Avail up to 50 days of interest free credit on your Credit Card.

• Quick Loan for Business: Check for term loan eligibility on your Credit Card for business purposes.

• Utility Bill Payments: Register your Credit Card with SmartPay, HDFC Bank's Utility Bill payment service. You can then ensure that all your utility bills are paid on time, conveniently and easily.

• Zero cost liability: If you lose your Card, report it immediately to our 24-hour call centre. After reporting the loss, you have zero liability for any fraudulent transactions made on your card.

• Fuel Surcharge Waiver: 1% fuel surcharge waived off on fuel transactions (on minimum transaction of ₹400 & maximum transaction of ₹5,000. Maximum waiver of ₹250 per statement cycle). Click Here to know more on Fuel Surcharge.

• Dining Benefit: Upto 20% discount* on partner restaurants via Dineout while using your HDFC Bank Credit Card.

• Paytm First Membership: Paytm First is a premium subscription-based rewards & loyalty program for Paytm users. It offers exclusive benefits, over and above the regular offers. A Paytm First member will enjoy a wide range of exclusive benefits from leading partnered brands. It can be availed upon minimum one transaction of ₹100. 

• Please Note: Paytm First Membership is provided by Paytm. For any queries, please reach out to Paytm Customer Care.

• This feature won’t be applicable for customers on boarded on or after 10th September 2024.

• Activation Benefit: 

• Enjoy ₹250 worth Gift Voucher upon card activation with 2 transactions in first 30 days. (Non-EMI Spends)

• Qualified customers will be communicated for availing Gift Vouchers

• Milestone Benefit: Enjoy ₹500 worth Gift Voucher on spends of ₹1 lakh in a year (Non-EMI, Non-Wallet and Non-Rental Spends). Qualified customers will be communicated for availing Gift Vouchers

Please Note: This offer is only applicable for 1 year of card issuance.

HDFC Bank Credit Card Activation Guidelines: HDFC Bank Credit Card holders have to activate their Credit Cards within 37 days from Card Open Date, as per ‘Master Direction – Credit and Debit Card – Issuance and Conduct Directions, 2022’ dated April 21, 2022 realized by Reserve bank of India (RBI).

(Details: rbi.org.in/Scripts/BS_ViewMasDirections.aspx?id=12300)

In case the Credit Card is not activated through one of the below mentioned modes, the Credit Card Account will have to be closed by the Bank as per the Master Direction Guidelines. 

Click here to know more. 
Modes for Activation:

• Setting Credit Card PIN: 

• Through IVR: Card holders can set their 4-digit Credit Card PIN by calling IVR No. 1860 266 0333. Upon calling the IVR please input your card number, validate through OTP and set your preferred PIN.

• Through Net Banking: Log in to our Net Banking and visit Cards. Choose Change PIN and set your preferred PIN (available only for customers holding savings/salary/current accounts).

• SmartPay Registration: Now add billers to your HDFC Bank Credit Card and register for SmartPay by giving standing instructions on your Credit Card.

• Paytm HDFC Bank Business Credit Card is enabled for contactless payments, facilitating fast, convenient and secure payments at retail outlets.

• You can use your Card to make quick transactions at merchant locations accepting contactless Cards.

Enabling your online, contactless and international transactions:

• Through MyCards: Visit Mycards.hdfcbank.com log in through OTP and link your Credit Card. Please click on the "Card Control" tab to enable Online, Contactless and/or International transactions.

• Through WhatsApp Banking: Please save the number 7070022222 and send a message "Manage My Credit Card" to enable. Alternatively, you can click here.

• Through Eva: To interact with Eva, please click here and choose your preferred transactions to enable.

• Through Credit Card usage: Use your Credit Card for at least 1 Online / POS transaction to activate your Credit Card.

Paytm HDFC Bank Business Credit Card Fees and Charges:

• Membership Fee: ₹ 500 + GST

• First Year Fee waived upon spending ₹ 30,000 (Non-EMI spends) within the first 90 days

• Renewal Year Fee waived upon spending ₹ 50,000 (Non-EMI spends) in the 12 months period

Goods and Services Tax (GST): Effective 1st July 2017, Goods & Services Tax (GST) is applicable on all Fees, Charges and Interest transactions. The applicable GST would be dependent on place of provision (POP) and place of supply (POS). If POP and POS are in the same state then applicable GST would be CGST and SGST/UTGST else, IGST.

• GST for Fees & Charges / Interest transactions billed on statement date will be reflected in next month's statement.

• GST levied will not be reversed on any dispute on Fees & Charges / interest.

• Effective January 2023, please note the additions below in the Fees and Charges structure.

• Rental Payments: 1% fee will be applicable on rental transactions from the second rental transaction onwards of the same calendar month.

• International DCC Transactions: 1% mark-up fees to be levied on International DCC Transactions

• Click here to know about fees & charges

You can choose any of the following easy options to apply for your Card:

1. Website

• You can quickly apply online by clicking here.

2. PayZapp App

• If you have the PayZapp app, just head to the credit card section to get started. Don’t have it yet? Download PayZapp here and apply directly from your phone.

3. NetBanking

• If you're an existing HDFC Bank customer, simply log in to NetBanking and apply from the ‘Cards’ section.

4. HDFC Bank Branch

• Prefer a face-to-face interaction? Just visit your nearest branch and our staff will help you with the application.

• Please click here to view the new product and feature related information applicable with effect from April 1, 2023.

• Your Card Member Agreement, Most Important Terms & Conditions and Other Important documents pertaining to your Credit Card can be accessed digitally. Click here.

• *The Most Important Terms and Conditions for each of our banking offerings features all the specific terms and conditions that govern their use. You must go through it thoroughly to fully understand the terms and conditions applicable to any banking product you choose.