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Paytm HDFC Bank Business Credit Card

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क्रेडिट कार्ड का नाम

Paytm HDFC Bank Business Credit Card

Bank Name :

HDFC Bank

प्रकार

Cashback Credit Card

ब्याज दर

3.75% monthly, 45.0% annually

पात्रता

Not mentioned by the bank.

Paytm HDFC Bank Business Credit Card
पेशेवरों

  • Welcome benefit: Users get Paytm First membership upon a minimum transaction of INR 100, a gift voucher worth INR 250 upon card activation with 2 transactions in the first 30 days. (non-EMI spends)

  • Reward system: Every 1 cashpoint is equivalent to INR 1. cashback. 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, maximum cap per calendar month is INR 500. 1% cashback on all other retail spends, maximum cap per calendar month is INR 1000. The minimum cash point balance required for redemption against the statement balance is 500 cash points.

  • Milestone benefit: Users can enjoy INR 500 worth of gift vouchers on spends of INR1 Lac in a year.

  • Dining benefit: Users get up to 20% discount on partner restaurants via dineout. 

दोष

  • Milestone benefit is applicable only for the first year of the card issuance.

  • Overall cashback redemption is capped at 3000 points per month.

  • Cashback is not applicable to fuel spending

  • The minimum cash point balance required for redemption against the statement balance is 500 cash points.

  • No lounge access

पक्ष विपक्ष
Welcome Benefits

  • Users get Paytm First membership upon a minimum transaction of INR 100, and a gift voucher worth INR 250 upon card activation with 2 transactions in the first 30 days.

पुरस्कार प्रणाली

Every 1 cash point is equivalent to INR 1. cashback.

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.

The minimum cash point balance required for redemption against the statement balance is 500 cash points.

अंतर्राष्ट्रीय विदेशी मुद्रा मार्कअप

3.50%

स्वागत लाभ और पुरस्कार प्रणाली
विशेष लक्षण

  • Paytm First membership

  • Dining offers

Eligibility Criteria

Not mentioned by the bank.

फ़ायदे

  • Welcome benefit

  • Milestone benefit

विशेष विशेषता, पात्रता और लाभ
क्रेडिट कार्ड के लिए आवेदन कैसे करें?

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.

सम्पर्क करने का विवरण

SMS: Send an SMS to 730 8080 808
WhatsApp: Send a message to 707 0022 222

खाता खोलने की प्रक्रिया और प्रक्रिया

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विशेष विशेषता, पात्रता और लाभ

Pros:-

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Cons:-

  • Welcome benefit: Users get Paytm First membership upon a minimum transaction of INR 100, a gift voucher worth INR 250 upon card activation with 2 transactions in the first 30 days. (non-EMI spends)

  • Reward system: Every 1 cashpoint is equivalent to INR 1. cashback. 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, maximum cap per calendar month is INR 500. 1% cashback on all other retail spends, maximum cap per calendar month is INR 1000. The minimum cash point balance required for redemption against the statement balance is 500 cash points.

  • Milestone benefit: Users can enjoy INR 500 worth of gift vouchers on spends of INR1 Lac in a year.

  • Dining benefit: Users get up to 20% discount on partner restaurants via dineout. 

  • Milestone benefit is applicable only for the first year of the card issuance.

  • Overall cashback redemption is capped at 3000 points per month.

  • Cashback is not applicable to fuel spending

  • The minimum cash point balance required for redemption against the statement balance is 500 cash points.

  • No lounge access

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.

Paytm HDFC Bank Business Credit Card

Abhijeet Saxena

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

उत्पाद समीक्षा
फीस एवं प्रभार

  • 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.

  • Foreign currency markup: 3.50%

  • Fuel surcharge:  1% subject to a minimum transaction of INR 400 and a maximum transaction of INR 5000. 

  • Cash advance fee: 2.5% or INR 500 whichever is higher.

  • Late payment charges: INR 100 to 1300.

  • Interest rate: 3.75% monthly, 45% annually.

ईंधन अधिशुक्ल

Fuel surcharge is 1% at all fuel stations across India only for a minimum transaction of ₹400 and a maximum transaction of ₹5000. The maximum cashback per statement cycle is INR250.

Billing Cycle

Up to 50 days

फीस एवं प्रभार
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