Paytm Credit Card

What's in store for you

Card Benefits & Features
Eligibility Criteria
Documents Required to Apply
Card Management & Controls

Additional Benefits

CashBack Benefits

3% CashBack on all purchase across Paytm (recharge, utility payments, movies, and Mini App) * Max. Cap per Calendar Month -500 Cashpoints
2% CashBack on all other Paytm spends* Max. Cap per Calendar Month - 500 Cashpoints
1% CashBack on all other all other retail transactions* Max. Cap per Calendar Month - 1000 Cashpoints
1% fuel surcharge waiver at all fuel stations across India* - (Minimum transaction of ₹400, Maximum cashpoints of ₹250 per statement cycle)
₹1,000 CashBack across 200+ brands on your Credit Card via PayZapp

Transaction Benefits

Up to 50 days of interest free Credit from the date of purchase*
Ability to convert large transactions to a SmartEMI after purchase

Banking Benefits

Contactless payments* to improve your purchase experience
Protection against fraudulent transactions made on your Credit Card*
Simple card management via HDFC Bank MyCards

Wondering if you are eligible for this card?

For Salaried Individuals

Nationality: Indian nationals
Age: Minimum: 21 years, Maximum: 60 years
Income: Net Monthly Income > ₹25,000

For Self-Employed Individuals

Nationality: Indian nationals
Age: Minimum: 21 years, Maximum: 65 years
Income: Annual ITR > ₹6 lakh

Documents required to get you started

Identity Proof

Passport
Aadhaar card
Voter ID
Driving licence
PAN card
Passport size photographs

Address Proof

Utility bills (electricity, water, gas, or telephone)
Rental agreement
Passport
Aadhaar card
Voter ID

Income Proof

Salary slips (for salaried individuals)
Income Tax Returns (ITR)
Form 16
Bank statements

Save up to ₹25,000 * annually

Just like 11 lakh+ HDFC Bank cardholders

Calculate now

Know more about the card

Credit Card Management & Controls

Netbanking

To enable card controls for your HDFC Bank Credit Card through NetBanking, follow these steps:

1. Log in to HDFC Bank NetBanking using your Customer ID.

2. Go to the Cards Tab >Select the card > Click Manage card>Manage Domestic and International Limits.

3. You will be able to view your existing daily domestic and international usage limits.

4. Enable or disable Online, Contactless, and International usage based on your preference.

5. Click ‘Update’, enter the OTP received on your registered mobile number, and then click ‘Continue’.

6. Your selected card controls will be updated instantly.

Mobile Banking

To enable card controls for your HDFC Bank Credit Card conveniently through our HDFC Bank MobileBanking App, follow these steps:

1. Open the HDFC Bank MobileBanking App and log in using your credentials.

2. Go to the ‘Cards’ section from the menu.

3. Select the HDFC Bank Credit Card for which you want to enable card controls.

4. Click ‘Manage Limits’, then enable/disable transaction types such as Online Transactions, Contactless Payments, and International Usage, or set transaction limits according to your preference.

5. Click ‘Update’ to confirm your changes and enter your MPIN. The updated card control settings will be applied instantly.

For more detailed management, you can also use our MyCards platform at https://mycards.hdfc.bank.in/ which offers a seamless experience without the need for passwords or downloads.

MyCards

To enable card controls for your HDFC Bank Credit Card via MyCards, follow these steps:

1. Visit the MyCards portal- https://mycards.hdfc.bank.in/ on your desktop or mobile.

2. Log in using your registered mobile number and the OTP received.

3. For first-time users, enter the last four digits of your card.

4. On the card homepage, click the ‘Card Control’ tab.

5. Enable/disable features such as Online Transactions, Contactless Transactions, International Usage, and set usage limits as per your preference.

6. Confirm your settings, and the changes will be applied instantly.

PayZapp

You can conveniently enable card controls for your HDFC Bank Credit Card through PayZapp by following these steps:

1. Open the PayZapp app and log in using your credentials.

2. On the homepage, tap the ‘MyCards’ tab> Select ‘Go to MyCards’.

3. Log in using your registered mobile number and the OTP sent to your mobile.

4. If you are a first-time user, enter the last four digits of your HDFC Bank Credit Card.

5. On the card homepage, tap the ‘Card Control’ tab.

6. Enable or disable features such as Online Transactions, Contactless Transactions, and International Usage, or set usage limits according to your preference.

7. Confirm your settings. The updated card control settings will be applied instantly.

WhatsApp Banking

To enable card controls for your HDFC Bank Credit Card using WhatsApp Banking, follow the steps given below:

1. Add HDFC Bank’s official WhatsApp number – 7070022222– to your contacts.

2. Send the text "Credit Card" to this number.

3. You will receive a reply with options. Choose the option “Manage My Card”

4. You will receive a reply with options to select “Domestic / International/ Enhance limits”

5. Choose the option you want to enable, such as Domestic Online Transactions, Contactless Transactions, or International Transactions.

6. Enter the transaction limit you want to set. An OTP will be sent to your registered mobile number. Enter the OTP to confirm the change.

7. Enter the last 4 digits of your Credit Card number.

8. The current status of the selected transaction type will be shown as Enabled.

IVR

To enable or modify your HDFC Bank Credit Card controls and transaction limits, you can contact HDFC Bank's toll-free numbers:

Toll-free numbers: 1800 1600 or 1800 2600 (available from 8 am to 8 pm)
For overseas travel assistance: 022-61606160

By contacting our toll-free numbers, you can enable/modify limits for Domestic, International, Online, Contactless, ATM, and POS transactions on your Debit or Credit Card.

Fees & Charges

The Paytm HDFC Bank Credit Card Fees and Charges are as follows:

Annual 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

Click here for details of the fees and charges

Card Reward & Redemption Program

CashBack will be credited in the form of CashPoints, which can be redeemed by the customer against their statement balance.
CashBack is not applicable for wallet loads, fuel spends, EMI spends, rental spends and government spends.
CashBack earned on Grocery Spends will be capped at ₹ 1000 cashpoints per month. 
Redemption of Travel CashBack Points will be capped at 50,000 points per month
Effective 1st February 2023, 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.

Contactless Payment

Paytm HDFC Bank Credit Card is enabled* for Contactless Payments at retail outlets.

(Note: In India, payment through contactless mode is allowed for a maximum of ₹5,000 for a single transaction where you are not asked to input your Credit Card PIN. However, if the amount is higher than or equal to ₹5,000, the Card holder must enter the Credit Card PIN for security reasons. You may check for the Contactless Network Symbol on your card.)

Additional Features

Zero Cost Card Liability: Available on any fraudulent transactions made on your Credit Card if reported immediately to HDFC Bank’s 24-hour Call Centre.
Revolving Credit: Available at a nominal interest rate. (Check Fees & Charges section for more details)

Make Payments More Rewarding with PayZapp:

Link your Paytm HDFC Bank Credit Card on PayZapp
Earn Additional CashBack along with the card CashPoints on Utility Bills, Mobile Recharges & more. 
Get ₹1,000 CashBack on Shopping in-app over 200+ brands 
Securely pay without the hassle of OTPs with ‘Swipe to Pay’

Most Important Terms and Conditions

*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.

Types of Credit Card

Credit Card Services

Credit Card Important Links

Frequently Asked Questions

The credit card limit on your Paytm Credit Card may vary based on factors like your credit history, income, and other eligibility criteria. It is determined by Paytm during the application process.

Yes, the Paytm Bank HDFC Credit Card offers zero charges on cash withdrawals of up to ₹10,000.

The documents required to apply for a Paytm Credit Card online typically include proof of identity, address, income, and other relevant financial documents.

The processing time for receiving your Paytm Credit Card can vary. Once your application is approved, Paytm will provide information on the expected timeline for card delivery.

The cashback on your Paytm Credit Card can vary based on your spending patterns. Typically, cashback benefits are offered in various categories, such as wallet loads, fuel surcharge waivers, bill payments, movies, travel, and using the card to make payments.
Check the terms and conditions for specific details.

Maximise your Credit Card's advantages by understanding its rewards, aligning spending with high-yield categories, and ensuring timely bill payments. Capitalise on welcome bonuses, explore partner discounts, and utilise travel benefits smartly. Regularly monitor statements for insights, enabling you to make informed decisions and extract maximum value from your Credit Card.

Begin by visiting Paytm's official website and exploring the diverse Credit Card options available. Verify your eligibility against the specified criteria and fill out the online application form. Input relevant personal and financial details and submit the required documents for a comprehensive review. Once your application is processed successfully, you'll get the Paytm HDFC Bank Credit Card.

Click here to read more FAQs