Paytm HDFC Bank Credit Card
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उत्पाद विवरण
क्रेडिट कार्ड का नाम
Paytm HDFC Bank Credit Card
Bank Name :
Paytm
प्रकार
Lifestyle Credit Card
ब्याज दर
3.6% per month i.e. 43.2% annually.
पात्रता
Age: You must be at least 21 years old to apply for this card.
Minimum income: The min monthly salary requirement is INR 30,000 for salaried individuals and INR 60,000 for self-employed individuals.
Employment Type: You must be a salaried employee or self-employed professional.
Nationality: You must be an Indian National.
पेशेवरों
Welcome Benefit: Users will get a free Paytm First membership.
Reward System: Users will receive 3% cashback on purchases on the Paytm app [recharge + utility bill payment + movie tickets + Mini App]. Maximum cashback is capped at INR 500 per month. 2% cashback on all other spending on the Paytm app. Maximum cashback is capped at INR 500 per month. 1% cashback on all other retail spending. Maximum cashback is capped at INR 1000 per month.
Milestone Benefit: 1% cashback on spending INR 10,000 per month.
Dining Benefit: Users can get a discount of up to 20% discount on partner restaurants via Swiggy Dineout while using the credit card.
Annual fee waiver on spending INR 30,000 in the first year and INR 50,000 from next year onwards.
दोष
Low cashback rate.
No free movie tickets.
No free lounge visits.
Limited number of value add benefits.
पक्ष विपक्ष
Welcome Benefits
Users will get a free Paytm First membership.
पुरस्कार प्रणाली
Users will receive 3% cashback on purchases on the Paytm app [recharge + utility bill payment + movie tickets + Mini App]. Maximum cashback is capped at INR 500 per month. 2% cashback on all other spending on the Paytm app. Maximum cashback is capped at INR 500 per month. 1% cashback on all other retail spending. Maximum cashback is capped at INR 1000 per month.
अंतर्राष्ट्रीय विदेशी मुद्रा मार्कअप
3.5%
स्वागत लाभ और पुरस्कार प्रणाली
विशेष लक्षण
3% cashback on purchases on Paytm app [recharge + utility bill payment + movie tickets + Mini App]. Max cashback is capped at INR 500 per month.
Eligibility Criteria
Age: You must be at least 21 years old to apply for this card.
Minimum income: The min monthly salary requirement is INR 30,000 for salaried individuals and INR 60,000 for self-employed individuals.
Employment Type: You must be a salaried employee or self-employed professional.
Nationality: You must be an Indian National.
फ़ायदे
Decent cashback.
Welcome benefits.
Milestone benefits.
विशेष विशेषता, पात्रता और लाभ
क्रेडिट कार्ड के लिए आवेदन कैसे करें?
Visit the HDFC Bank website or the Paytm app.
Click on the "Credit Cards" section.
Select the "Paytm HDFC Bank Credit Card".
Click on "Apply Now".
Fill in the application form with your personal details and income information.
Upload the required documents- Proof of identity (PAN card, Aadhaar card, Voter ID, etc.), Proof of address (Passport, Driving license, Utility bill, etc.), Income proof (Salary slip, ITR, etc.)
Submit the application.
सम्पर्क करने का विवरण
1800 202 6161 or 1860 267 6161,
send an SMS to 730 8080 808, or
even use WhatsApp to send a message to 707 0022 222.
खाता खोलने की प्रक्रिया और प्रक्रिया
विशेष विशेषता, पात्रता और लाभ
Pros:-
Change the text to include your own content. Adjust the font, size or scale to customize the style.
Cons:-
Welcome Benefit: Users will get a free Paytm First membership.
Reward System: Users will receive 3% cashback on purchases on the Paytm app [recharge + utility bill payment + movie tickets + Mini App]. Maximum cashback is capped at INR 500 per month. 2% cashback on all other spending on the Paytm app. Maximum cashback is capped at INR 500 per month. 1% cashback on all other retail spending. Maximum cashback is capped at INR 1000 per month.
Milestone Benefit: 1% cashback on spending INR 10,000 per month.
Dining Benefit: Users can get a discount of up to 20% discount on partner restaurants via Swiggy Dineout while using the credit card.
Annual fee waiver on spending INR 30,000 in the first year and INR 50,000 from next year onwards.
Low cashback rate.
No free movie tickets.
No free lounge visits.
Limited number of value add benefits.
The Paytm HDFC bank Credit Card is a cashback credit card that is affordable and comes with exciting offers. You get a complimentary Paytm First membership that will allow you to enjoy more rewards and exceptional benefits on the Paytm app. Moreover, you earn an assured cashback on all your spends (except for a few non-retail transactions), i.e., you save something almost every time you make a purchase using it. However, it does not provide any reward points on your transactions.
Paytm HDFC Bank Credit Card
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 Fees: INR 500+GST
Monthly Membership Fee: Rs. 49 + GST
Monthly Fee Waiver: Fee waived off on retail spends of Rs.5000 in a month (Non-EMI Spends)
Cash Advance Charges: 2.5% of the cash amount withdrawn or Rs. 500 (whichever is higher)
Late Payment Penalty: 35-50 + GST
Foreign currency markup fee: 3.5% of the transaction amount.
Interest Rate: 3.6% per month (43.2% per annum)
Reward Redemption Fees: NIL
ईंधन अधिशुक्ल
1%, waived off on fuel transactions. (Minimum transaction of ₹400, Maximum cashback of ₹250 per statement cycle).
Billing Cycle
30 Days