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What's in store for you

More benefits than ever before

Loyalty Benefits

  • Get a Complimentary Paytm First Membership*

CashBack Benefits

  • 1% CashBack upon spending ₹10,000 every month

Dining Benefits

  • Up to 20% discount* on partner restaurant restaurants via Swiggy Dineout

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Additional Benefits

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
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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

Card Control via MyCards

MyCards, a mobile-based service platform for all Credit Card needs, facilitates convenient activation and management of your Regalia Gold Credit Card on the go. It ensures a seamless experience without the need for passwords or downloads.

  • Credit Card Registration and Activation
  • Set up your Card PIN
  • Manage Card Controls like Online Spends, Contactless Transactions
  • View Transactions / Download e-Statements
  • Check Reward Points
  • Block/ Re-Issue Your Card
  • Apply for an Add-on Card, Manage, Set PIN and Card Controls for Add-on card
  • Single Interface
    One unified platform for Credit Cards, Debit Cards, FASTag and Consumer Durable Loans 
  • Spends tracking
    Simple interface to track all your spends
  • Reward Points
    View and redeem points at the push of a button
Card Management & Controls

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

Contactless Payment

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. 
Card Reward & Redemption Program

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.)

Contactless Payment

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’
Additional Features

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.
Most Important Terms and Conditions

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