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

India’s largest private bank, HDFC Bank, in collaboration with Paytm, the country’s largest mobile payments platform, has launched the Paytm HDFC credit card. This credit card is a great option for daily users of the Paytm app. The credit card offers up to 3% cashback on all spends on Paytm. Additionally, you can get the Paytm First membership as a welcome gift.

In this article, you will get the important details of the Paytm HDFC credit card.

Paytm HDFC Credit Card Benefits

The best feature of this card is ‘Unlimited Cashback Every Time’. This benefit applies to spending on the categories of shopping, entertainment, essentials, travel and more. 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 Charges & Fees 

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• Cash Advance Charges: 2.5% of the cash withdrawn or Rs. 500 (whichever is higher)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 official 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 decides your credit card limit based on your creditworthiness and income profile. It depends on your occupation, annual income, and your CIBIL score. However, HDFC Bank has not specified any limit for Paytm HDFC credit cards.

Paytm HDFC Credit Card Status

You can track your credit card application status offline by calling the 24*7 customer care numbers- 1800 202 6161 or 1860 267 6161.

To track your Paytm HDFC Bank credit card status online, you have to visit the HDFC Bank credit card status checker page. On it, fill in the required details. Enter your mobile number, Application Reference Number/Application Form Number/date of birth and CAPTCHA code. Click on the ‘Submit’ button to get the latest status of your Paytm HDFC credit card.

Paytm HDFC Credit Card Tracking

Once HDFC Bank successfully approves your credit card application, the printing process of the card is started. When your card is dispatched, you will receive a letter or email with the Air Way Bill (AWB) number. To track your credit card online, you can visit this page. Enter your AWB number and click on ‘View Details’ to track your credit card delivery.

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

Paytm HDFC credit card is a popular cashback credit card which comes with various useful rewards and benefits. You can get a complimentary Paytm First membership upon your first transaction of Rs. 100. Using the membership, you can get more offers and cashback on the Paytm app. 

Overall, the card has received positive reviews from numerous users. You can try this credit card if you find the offers lucrative. If you regularly shop with Paytm, this card is also suitable for you.

Paytm HDFC Credit Card Reward Points Value

Paytm HDFC credit card reward points are named CashPoints. You need a minimum of 500 CashPoints to redeem. On request, you can redeem your points against the statement balance. The rate is 1 CashPoint = Rs. 1.

You can use the CashPoints to redeem against travel benefits like flight and hotel bookings and the rewards Catalogue at the SmartBuy Rewards Portal at the value of 1 CashPoint = Rs. 0.30.

Paytm HDFC Credit Card Customer Care Number

You can contact the customer care number at 1800 202 6161 or 1860 267 6161 to get your queries resolved regarding Paytm HDFC credit card. In case you are not in India, you can reach out via +9122 61606160.

The Paytm HDFC credit card is one of the best credit cards for regular Paytm users to get additional rewards and cashback. The important details like eligibility, benefits, and features have also been discussed in this article. It will be easier for you to make an informed decision if you use the information properly before applying.

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