How to Earn Paytm Gold Points on Every Payments You Make

We make countless small payments—a morning coffee, a quick UPI transfer to a friend, or paying the local grocery store. We see this money as spent and gone. But what if it wasn’t? What if every single transaction, no matter how big or small, was actually a step towards building a valuable asset?

With the Paytm Gold Points program, this idea becomes a reality. This isn’t about complex rules or selective rewards. It’s a simple promise: every time you pay with Paytm, you earn real, 24K digital gold. Let’s break down exactly how you can start turning your everyday expenses into a golden investment.

What Are Paytm Gold Points?

Paytm Gold Points are the rewards you earn for making payments through the app. Unlike standard cashback that adds money to your bank account, these points are specifically designed to be converted into real, 24K digital gold, helping you build a valuable asset over time.

Here are the essential features of the program:

• Direct Gold Value: The conversion rate is a simple calculation. Every 100 Gold Points you collect can be redeemed for ₹1 worth of 24K digital gold.
• Guaranteed Purity and Security: The digital gold you earn is 99.99% pure. It is stored in 100% insured vaults managed by MMTC-PAMP, India’s only internationally accredited refinery, ensuring your asset is safe.
• Automatic Earning: As an eligible user, you don’t need to sign up or opt-in to the program. You automatically earn points on your successful transactions.
• Flexible Use: After you convert your points into gold, you have the choice to either sell it back on the Paytm platform at live market rates or hold it as a long-term digital investment.

How to Earn Paytm Gold Points?

Earning Gold Points is a simple, two-step process integrated into your regular payment activity on the Paytm app.

Method 1: The Immediate Claim

Step 1: Open your Paytm app and make any eligible payment. This includes a wide range of transactions, such as:

• UPI Money Transfers
• Utility Bill Payments (electricity, water, gas)
• Mobile and DTH Recharges
• Scanning QR codes to pay merchants

Method 2: If You Miss the Transaction Screen

Forgot to scratch the card or closed the app too quickly? No problem. Paytm saves your unclaimed rewards for you.

1. Open the Paytm App.
2. Navigate to the Cashback & Offers section (you can usually find this by scrolling down on the homepage or in the side menu).
3. Here, you will find all your unclaimed scratch cards waiting for you. Scratch them to claim your points.

The Pro Move: How to Double Your Gold Points

While earning 1% on every transaction is great, what if you could earn 2%? You can. This is the fastest way to accelerate your gold savings.

Use your credit card to Scan & Pay at merchants and get double Gold Points.

When you link a credit card (specifically a RuPay Credit Card) to your UPI and use it for “Scan & Pay” transactions, Paytm doubles your reward from 1% to 2%.

Let’s see the difference in a real-world scenario:

• Scenario: You’re at a supermarket, and your bill is ₹3,000.
• Standard UPI Payment: You pay from your bank account and earn 30 Gold Points (1% of ₹3,000).
• Smart Credit Card on UPI Payment: You use your linked RuPay credit card to pay and earn 60 Gold Points (2% of ₹3,000).

By making a smarter payment choice, you earn twice the gold for the exact same expense.

Where Can You Earn? 

Literally Everywhere You Pay.

The beauty of this program is its wide reach. You’re not limited to specific brands or categories. You earn points on the transactions you’re already making every day.

• Money Transfers: Sending money to friends, family, or your landlord? Every money transfer earns you real gold. Whether it’s a small ₹100 transfer or a large one, it all adds up.
• Local Merchant Payments: That “Scan & Pay” QR code at your favourite coffee shop, local kirana store, or pharmacy is a gold-earning opportunity. Use your credit card on UPI here to get double points.
• Utility Bill Payments: Paying your electricity, water, gas, internet, or postpaid mobile bills through Paytm is no longer just a chore—it’s a rewarding experience.
• Recharges: Whether it’s your prepaid mobile, DTH, or metro card, every recharge contributes to your Gold Points collection.
• Online Shopping & Food Orders: Using Paytm to pay on apps, websites, or any e-commerce platform that supports Paytm payments will earn you Gold Points.
• Travel & Entertainment: Booking movie tickets, flights, or train tickets through Paytm also helps you accumulate your digital gold stash.

Ultimately, the message is simple: On Paytm, make every payment golden. Stop letting your daily transactions be just expenses. With the Gold Points program, every tap of your phone is a small but steady step towards building a valuable, lasting asset for your future.