Paytm HDFC Credit Card - Benefits, How to Apply, Features and Eligibility

The Paytm HDFC Credit Card offers 3% cashback on all Paytm spends, with no category restrictions, covering travel, shopping, dining, and more. New users also receive a Paytm First membership as a welcome gift.

Features & Benefits of Paytm HDFC Credit Card 

Some other benefits of the Paytm HDFC credit card are:

• Welcome gift of free ‘Paytm First Membership’
• Up to 3% cashback on Paytm on purchases for utility, recharge, movies, and Mini App spends with a maximum cap per month of Rs. 500
• Up to 2% cashback on other Paytm spends with a maximum cap per month of Rs. 500
• Monthly fee wavier on retail spending Rs. 5,000 in a month 
• 1% fuel surcharge waiver up to Rs. 250 per statement cycle
• Up to 4 free add-on cards
• 1% cashback on spending Rs. 10,000 every month with a cap of Rs. 100 per month
• Up to 1% cashback on other retail spends
• Automatic utility bill payments with HDFC SmartPay

Paytm HDFC Credit Card Fees and Charges 

Here are the details of Paytm HDFC credit card fees:

• Monthly Membership Fee: Rs. 49 plus GST (waived off on retail non-EMI spends of Rs. 5,000 in a month)
• Annual Membership Fee: Rs. 500 plus GST (first-year fee waiver on the non-EMI spending of Rs. 30,000 within the first 3 months) (renewal year fee waived upon spending Rs. 50,000 in a year)
• International Transactions: 1% mark-up charges on international transactions. 
• Rental Transactions: 1% charge on rental transactions (from 2nd rental transaction in a month) 

Paytm HDFC Credit Card Charges

These are the other charges of the Paytm HDFC credit card:

• Rewards Redemption Fee: Nil
• Cash Advance Charges: 2.5% of the cash withdrawn or Rs. 500 (whichever is higher)
• Add-on Card Fee: Nil (Up to 4 add-ons)
• Fuel Surcharge: 1% fuel surcharge waiver on all fuel transactions worth Rs. 250 
• Interest Rates on Credit Card Cash Advances: 1.99% - 3.49% per month
• Spend-Based Waiver: Monthly fee of Rs. 50 is waived off on spending Rs. 5,000 or more in a month

Paytm HDFC Credit Card Eligibility

This credit card is available only for selected Paytm customers. However, the basic eligibility criteria are as follows:

• Age between 18 years to 60 years
• Have regular income
• Credit score between 750 to 900

Paytm HDFC Credit Card Apply 

You can not apply for the card from the HDFC Bank website. Instead, you must follow the given steps:

• Step 1: Visit the offcial website of HDFC Bank for credit card applications.
• Step 2: Enter your mobile number and PAN number or date of birth and click ‘Get OTP’.
• Step 3: Enter the OTP received on your mobile number and other necessary details.
• Step 4: Select ‘Paytm HDFC Bank Credit Card’ and submit.

Paytm HDFC Credit Card Limit 

HDFC Bank determines your credit card limit based on your creditworthiness and income profile, considering factors like occupation, annual income, and CIBIL score. However, HDFC Bank has not specified a fixed limit for the Paytm HDFC Credit Card.

Paytm HDFC Credit Card Application Status

To track your Paytm HDFC Bank credit card application status online, visit the HDFC Bank credit card status checker page. Fill in the required details, including your mobile number, Application Reference Number or Application Form Number, date of birth, and CAPTCHA code, then click ‘Submit’ to view your application status.

Alternatively, you can track your application status offline by calling HDFC Bank’s 24/7 customer care numbers: 1800 202 6161 or 1860 267 6161.

Paytm HDFC Credit Card Tracking

Once HDFC Bank approves your credit card application, the card printing process begins. You will receive a letter or email with the Air Way Bill (AWB) number when your card is dispatched. To track your card delivery online, visit the tracking page, enter your AWB number, and click ‘View Details’.

Paytm HDFC Credit Card Login

To log in, follow these steps:

• Step 1: Open the HDFC MyCards app on your mobile browser. 
• Step 2: Enter your registered mobile number and submit the OTP to log in to your credit card account. 
• Step 3: After that, you can view and pay your dues, track and redeem reward points and many more from this site.

Keep a note that this site is not accessible from desktop or laptop devices and can only be used from a mobile browser.

Paytm HDFC Credit Card Review

The Paytm HDFC Credit Card is a popular cashback card offering various rewards and benefits. You receive a complimentary Paytm First membership after your first Rs. 100 transaction, unlocking additional offers and cashback on the Paytm app. The card's cashback benefits primarily apply to transactions made through the Paytm app.

Overall, the card has received positive feedback, especially from users who frequently shop on Paytm. If you regularly use Paytm, this card could be a great fit for you.

Paytm HDFC Credit Card Reward Points Value

The Paytm HDFC Credit Card rewards are called CashPoints. You need a minimum of 500 CashPoints to redeem, and the rate is 1 CashPoint = Rs. 1 when redeeming against the statement balance.

You can also use CashPoints for travel benefits like flight and hotel bookings or redeem them from the SmartBuy Rewards Portal, where 1 CashPoint = Rs. 0.30.

Paytm HDFC Credit Card Customer Care Number

For any queries regarding the Paytm HDFC Credit Card, you can contact customer care at 1800 202 6161 or 1860 267 6161. If you're outside India, call +9122 61606160.

The Paytm HDFC Credit Card is ideal for regular Paytm users, offering additional rewards and cashback. This article covers essential details like eligibility, benefits, and features, helping you make an informed decision before applying.

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