Paytm Digital Credit Card

What's in store for you

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*

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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

Card Management & Controls 

  • 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

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 30 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