Welcome benefit:Users get Paytm First membership upon a minimum transaction of Rs 100, a gift voucher worth Rs 250 upon card activation with 2 transactions in the first 30 days. (non-EMI spends)
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Paytm HDFC Bank Business Credit Card
Rewards & Benefits
Welcome Benefits
Welcome benefit:Users get Paytm First membership upon a minimum transaction of Rs 100, a gift voucher worth Rs 250 upon card activation with 2 transactions in the first 30 days. (non-EMI spends)
Milestone Benefits
Milestone benefit:Users canenjoy Rs 500 worth of gift vouchers on spends of Rs 1 Lac in a year.
Cashback Rate
Every 1 cash point is equivalent to INR 1.
3% cashback on purchases on Paytm (recharge, utility, movies, Mini App), maximum Rs. 500 per calendar month.
2% cashback on all other select Paytm spends, the maximum cap per calendar month is INR 500.
1% cashback on all other retail spends, maximum cap per calendar month is INR 1000.
Movie Benefits
3% cashback on purchases on Paytm (recharge, utility, movies, Mini App), maximum Rs. 500 per calendar month.
Dining Benefits
Dining benefit:Users get up to 20% discount on partner restaurants via dineout.
Other Benefits
None.
Lounge Access
Rewards & Benefits
Welcome Benefits
Welcome benefit:Users get Paytm First membership upon a minimum transaction of Rs 100, a gift voucher worth Rs 250 upon card activation with 2 transactions in the first 30 days. (non-EMI spends)
Milestone Benefits
Milestone benefit:Users canenjoy Rs 500 worth of gift vouchers on spends of Rs 1 Lac in a year.
Cashback Rate
Every 1 cash point is equivalent to INR 1.
3% cashback on purchases on Paytm (recharge, utility, movies, Mini App), maximum Rs. 500 per calendar month.
2% cashback on all other select Paytm spends, the maximum cap per calendar month is INR 500.
1% cashback on all other retail spends, maximum cap per calendar month is INR 1000.
Movie Benefits
3% cashback on purchases on Paytm (recharge, utility, movies, Mini App), maximum Rs. 500 per calendar month.
Dining Benefits
Dining benefit:Users get up to 20% discount on partner restaurants via dineout.
Other Benefits
None.
Lounge Access
Fees & Charges
Joining Fee
INR 500 plus taxes. The first-year fee is waived upon spending INR. 30,000 within the first 90 days (Non-EMI spends).
Annual Fee
INR 500 plus taxes. Renewal Year Fee waived upon spending Rs. 50,000 (Non-EMI spends) in the 12 months.
Cash Advance Fee
Cash advance fee:2.5% or INR 500 whichever is higher.
Interest rate
Interest rate: 3.75% monthly, 45% annually.
Late Payment Fee
Late payment charges:INR 100 to 1300.
Foreign Currency Transactions Fee
Foreign currency markup: 3.50%
Other Fees
Fuel surcharge:1% subject to a minimum transaction of INR 400 and a maximum transaction of INR 5000.
Fees & Charges
Joining Fee
INR 500 plus taxes. The first-year fee is waived upon spending INR. 30,000 within the first 90 days (Non-EMI spends).
Annual Fee
INR 500 plus taxes. Renewal Year Fee waived upon spending Rs. 50,000 (Non-EMI spends) in the 12 months.
Cash Advance Fee
2.5% or ?500 whichever is higher
Interest rate
Interest rate: 3.75% monthly, 45% annually.
Late Payment Fee
Late payment charges:INR 100 to 1300.
Foreign Currency Transactions Fee
Foreign currency markup: 3.50%
Other Fees
Fuel surcharge:1% subject to a minimum transaction of INR 400 and a maximum transaction of INR 5000.
Special Features
Paytm First membership
Dining offers
Eligibility Criteria
Not mentioned by the bank.
Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
1. Paytm App:
Open the Paytm app.
Navigate to the Loans & Credit Cards section.
Look for the Paytm HDFC Bank Business Credit Card option.
Click on "Apply Now" and follow the on-screen instructions.
2. HDFC Bank Website:
Visit the HDFC Bank website.
Go to the "Credit Cards" section.
Look for the "Business Credit Cards" category.
Find the Paytm HDFC Bank Business Credit Card option.
Click on "Apply Now" and complete the application form.
Contact Details
SMS: Send an SMS to 730 8080 808
WhatsApp: Send a message to 707 0022 222
Account Opening and Procedure
The card offers a number of benefits like welcome benefits, cashback, milestone benefits, and dining benefits. However, in most cases these benefits are capped at a very low threshold.
The card offers a number of benefits like welcome benefits, cashback, milestone benefits, and dining benefits. However, in most cases these benefits are capped at a very low threshold.
Abhijeet Saxena
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai