Paytm Digital Credit Card

More benefits than ever before

Welcome Benefits

  • Enjoy Cashback up to ₹150 on your first 2 transactions (minimum spend ₹250 each).

Renewal Benefits

  • Spend ₹1,000* within 40 days for a first-year fee waiver and ₹25,000 over 12 months for a renewal fee waiver

CashBack Benefits

  • Earn 2% cashback on Paytm Scan & Pay on select merchants* (capped at Rs.250 per month )

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Additional Benefits

Wondering if you are eligible?

Salaried

  • Nationality: Indian
  • Age: 21 - 60 years
  • Income (monthly) ₹25,000

Self-Employed

  • Nationality: Indian
  • Age: 21 - 65 years
  • Annual ITR > ₹6,00,000
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Save up to ₹15,000* annually Just like 5 crore+ HDFC Bank customers

Millennia Credit Card

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

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.

Card Management & Controls

Fees & Charges

Paytm HDFC Bank Digital Credit Card Fees and Charges:

  • Annual Membership Fee: ₹149 + GST
  • First Year Fee waived upon spending ₹1,000 within the first 40 days
  • Renewal Year Fee waived upon spending ₹25,000 in the 12 months period

Click here to view details of the fees & charges

Fees & Charges

Card Reward and Redemption Program

  • CashBack as per the product features 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 ₹1,000 cashpoints per month.  
  • Redemption of Travel CashBack Points will be capped at 50,000 points per month 
  • Effective February 1, 2023, CashBack redemption will be capped at 3000 points per month.  
  • 70% points plus 30% minimum pay system - A minimum of 30% pay system has been introduced for redemption of points on select categories only. 
  • Only the mentioned categories basis the Merchant IDs / Transaction IDs in the list shall be applicable for relevant cashbacks.  To view the list, please click here.
Card Reward and Redemption Program

Additional Features

EMI Offers:

  • Enjoy no-cost and low-cost EMI options with your Credit Card. 

Note: The Smart EMI facility is not available for the Paytm HDFC Bank Digital Credit Card.

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 nominate interest rate. (Check Fees and Charges section for more details)
Additional Features

Contactless Payment

  • Paytm HDFC Bank Digital 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

Card Control via MyCards

MyCards, a mobile-based service platform for all credit card needs, facilitates convenient activation and management of Paytm HDFC Bank Digital Credit Card on the go. It ensures a seamless experience without the need for passwords or downloads. 

  • Credit Card Registration and Activation 
  • Set up Card PIN 
  • Manage card controls like online spends, contactless transactions  
  • View Transactions/Download e-statements 
  • Check Reward Points 
  • Block/Re-issue card 
  • Apply for an Add-on Card, manage, set PIN and card controls for Add-on card
Card Control via MyCards

Most Important Terms and Conditions

  • *The Most Important Terms and Conditions for each of our banking offerings feature 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

Digital Credit Card is a CashBack Credit Card offered by HDFC Bank in association with Paytm. It offers attractive CashBack rewards on various transactions, making it the perfect companion for all your spending needs. Apply today and start earning CashBack!

Digital Credit Card works just like any other credit card. You can use the card to make payments at both online and offline merchants. Every transaction you make with the card earns you CashBack, which can be redeemed for future purchases or other categories. 

Digital Credit Card offers numerous benefits to enhance your shopping experience. From earning CashBacks on various transactions to enjoying interest-free credit, this card is designed to provide maximum value to its users. 

The benefits of Digital Credit Card include:

  • CashBack rewards on select Paytm spends and retail transactions. 
  • Up to 50 days of interest-free credit.
  • Utility made easy with SmartPay. 
  • Fuel surcharge waiver.

Applying for a Digital Credit Card online is easy :

  • Check whether you are eligible
  • Apply for the Digital Credit Card online
  • Submit the required documents
  • Upon approval, you can get your new Digital Credit Card in the mail. It's that simple!

Click here to read more FAQs

Your Cashback Companion Is Here.

  • 2% on Paytm
  • 1% on everywhere else
  • Fuel Waiver
  • ₹0 fee with qualifying spend
Millennia Credit Card