Paytm HDFC Bank Credit Card - How to Apply, Benefits & Charges

Paytm HDFC Bank Credit Card

Paytm has launched a range of consumer credit cards in partnership with HDFC Bank, the largest private-sector bank in India. On Paytm purchases, the HDFC credit card from Paytm offers cashback. The card also provides benefits like a no-interest credit period, zero cost liability, waiver of fuel surcharges, and other welcome and milestone benefits. Other versions of the cards that HDFC Bank and Paytm jointly launched include the Paytm HDFC Bank Select Credit Card and the Paytm HDFC Bank Mobile Credit Card. Details regarding the Paytm HDFC credit card have been covered in this article.

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    Steps to apply for Paytm HDFC Bank credit card

    It is advised to be extra cautious about your credit card’s essential terms and conditions before applying. Learn about the card’s Annual Percentage Range, applicable annual credit card fees, rewards and offers, and other extra benefits the bank offers. The annual percentage range typically ranges between 30% and 40%. Regardless of whether you have a job, you should only apply for a credit card if you are certain you will have a consistent source of income. Start with your first credit card, which has a low credit limit. 

    This will guarantee that you use your card sparingly and prevent you from falling into debt traps in the future. Learn more about the interest charges that will be added to your credit card for making the credit amount’s late payments. The grace period is also known as the grace period between the date of your purchase and the date your bank must receive the credit amount. Although the grace period is typically 30 days, confirming with your bank is still advisable before getting your first credit card.

    To be eligible to apply for a Paytm HDFC credit card, a person must be salaried or self-employed and at least 18 years old. It’s easy to apply for a Paytm HDFC Bank credit card. Use Paytm HDFC credit if you primarily conduct online transactions through Paytm.

    From the application process to card issuance and online expense tracking, digital processes are used throughout. These steps can be completed in under 5 minutes using the Paytm app. To apply for a Paytm HDFC credit card, the following actions are necessary:

    • After scrolling down to the “Loans & Credit Cards” section on the home page, click “Paytm Credit Card Loan.” As a result, you will be directed to the “Paytm HDFC Bank Application” page.
    • Click “Apply Now” and fill out the required fields with your PAN card number, address, and other necessary professional details.
    • Select “Submit” after checking the box next to “I accept all terms and conditions.”
    • Following the verification of the supplied information, you will be informed of your credit card application status. Your virtual credit card will be generated and available immediately after final approval!

    When you make purchases with your credit card, you accrue many cashback points and other advantages. To avoid penalties, you must ensure that the borrowed sum is repaid within the specified time as you make purchases using your credit card.

    Benefits of the Paytm HDFC Bank credit card

    Numerous benefits come with a Paytm HDFC credit card. The following advantages of the Paytm HDFC credit card are detailed below in more detail:

    1. The card comes with Paytm First Membership, a premium subscription-based reward, and a loyalty program for Paytm users as a welcome bonus. To be eligible for this benefit using this credit card, you must complete at least one transaction totaling Rs. 100.
    2. This HDFC Bank credit card offers 3% cashback on all Paytm purchases, including those made at shopping centers, movie theatres, and mini apps. Paytm offers 2% cashback on each purchase. Additionally, retail purchases qualify for 1% cashback. Notably, the cashback is distributed using Paytm vouchers. On monthly non-EMI transaction spending of Rs. 10,000, you get 1% cashback. The most you can spend each month is Rs. 100. You could get a yearly cashback of up to Rs. 1,200 by doing this. However, Paytm cashback is not available on fuel purchases, EMIs, or wallet reloads.
    3. Your family members can benefit from the benefits by receiving up to 4 free add-on cards.
    4. The card has no lost card liability, so if you lose it, you won’t be held accountable for any fraudulent charges made with it.
    5. You have up to 50 days to use the interest-free credit period.
    6. This credit card supports contactless payments at numerous retail establishments.
    7. Free and affordable EMIs are available with your Paytm HDFC Bank Credit Card.


    Before submitting an application for the Paytm HDFC credit card, become thoroughly familiar with the card’s features, advantages, and related terms and conditions. When you apply for the Paytm HDFC Bank credit card, your application is assessed along with a thorough examination of your credit history. Once all the submitted information has been approved, you will be given the digital credit card and can begin making purchases. A replacement card can also be obtained for a fee of Rs. 100 if your Paytm HDFC credit card is lost or damaged. If your card expires, notify the bank as soon as possible for safety reasons.

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