Complete Guide to the Paytm Gold Points Program

byPaytm Editorial TeamLast Updated: October 14, 2025
paytm gold points
Here's a quick summary of everything you need to know to make the most of the Paytm Gold Points Program. Earning Your Points:
  • What You Earn: Get 1% in Gold Points on every successful Paytm payment.
  • Earn Double: Get 2% in Gold Points when you pay with a credit card or "Credit Card on UPI."
  • How to Claim: After each payment, claim your points by scratching the card on the confirmation screen.
  • When They Appear: Points are usually instant but can take up to 24 hours to reflect in your balance.
Redeeming Your Gold:
  • What You Get: 100 Gold Points = ₹1 worth of 24K digital gold.
  • Minimum to Redeem: You can convert your points into real digital gold once you have at least 1,500 Gold Points.
Important Rules to Know:
  • Eligibility: All registered Paytm users (18+ Indian citizens) are automatically eligible.
  • Scratch Card Validity: Unclaimed scratch cards expire 30 days after they are issued.
  • Points Validity: Your collected Gold Points expire 12 months after you earn them.
  • Daily Limit: You can earn a maximum of 6,000 Gold Points per day.
  • Monthly Limit: You can earn a maximum of 60,000 Gold Points per month.
  • P2P Transfer Limits: For sending money to others, you can earn points on up to 10 transactions per day and 100 per month.
Successful Payments Only: No points are awarded for failed or pending transactions

Turn Your Daily Spends into Digital Gold with Paytm’s Gold Points Program

Still stuck with a payment app that doesn’t reward you? In a world where digital transactions are the new norm, what if every UPI money transfer or bill payment could bring you closer to a tangible asset? Paytm turns this idea into reality with its Gold Points Program, a rewards system that converts your everyday spending into real, 24K digital gold.

This unique loyalty program ingeniously transforms your routine digital payments into a valuable investment. Every time you transact, you earn Gold Points that accumulate in your account, ready to be converted into secure digital gold. It’s more than just another rewards scheme—it’s a simple, seamless way to build your assets with the money you’re already spending.

What Are Paytm Gold Points?

Paytm Gold Points are a digital rewards currency earned on transactions within the Paytm app. Unlike standard cashback, which provides a cash-equivalent balance, Gold Points have a singular purpose: they are designed exclusively to be redeemed for 24K digital gold, allowing users to build a tangible asset from their everyday spending.

Key Features of the Program:

  • Conversion Rate: The program operates on a fixed value where 100 Gold Points can be redeemed for ₹1 worth of 24K digital gold.
  • Asset Purity and Security: The redeemed digital gold is 99.99% pure and is securely stored in 100% insured vaults managed by MMTC-PAMP, India’s only internationally accredited refinery.
  • Automatic Participation: Eligible users earn Gold Points automatically on successful transactions without needing to manually enroll or opt into the program.
  • Post-Redemption Options: Once points are converted into digital gold, the user owns the asset and has the flexibility to either hold it as a long-term investment or sell it on the Paytm platform at live market rates.

Who Can Use It? (Eligibility)

One of the program’s biggest strengths is its accessibility, with no complex forms or sign-up processes required.

Here’s who is eligible to start earning:

  • Paytm Users: All registered users of the Paytm platform are automatically eligible.
  • Age Requirement: You must be 18 years of age or older.
  • Citizenship: You need to be a citizen of India.

How to Earn Gold Points: The Nitty-Gritty

Earning Gold Points is integrated into your daily payment experience on the Paytm platform. Here’s a breakdown of how it works:

  • Base Earning Rate:
    • You earn 1% in Gold Points on the value of every successful payment made through Paytm.
  • Accelerated Earning Rate:
    • Supercharge your earnings and get 2% in Gold Points when you pay using the “Credit Card on UPI” feature. To be eligible for these double rewards, you must use a RuPay Credit Card linked to your UPI.
  • The Scratch Card Mechanism:
    • After every successful transaction, a scratch card will appear on your payment confirmation screen.
    • You must claim this scratch card to receive your Gold Points.

Key Reminders:

  • Claim Promptly: Unclaimed scratch cards are only valid for 30 days from their date of issuance. Make it a habit to scratch them right after a transaction.
  • Successful Payments Only: Gold Points are only awarded for successful payments. You will not receive points for transactions that are failed or pending.
  • Update Time: While the reward is typically instant, it can sometimes take up to 24 hours for your total Gold Points balance to reflect the update.

Let’s take an example:

Ved makes a utility bill payment of ₹1,000 on Paytm.

  • If Ved pays using his UPI-linked bank account, he receives a scratch card worth 10 Gold Points (1% of ₹1,000).
  • However, if Ved chooses to pay with his credit card, he receives a scratch card worth 20 Gold Points (2% of ₹1,000), doubling his earnings for the same transaction.

What Do Gold Points Get You? (The Value Proposition)

This isn’t about virtual points with limited use. Paytm Gold Points have a direct and clear conversion to a real-world, valuable asset.

The conversion is simple: 100 Gold Coins = ₹1 worth of real digital gold.

This means that instead of receiving cashback that you might spend away, you are accumulating a stake in 24K 99.99% pure gold, securely stored in 100% insured vaults managed by MMTC-PAMP, India’s only internationally accredited refinery.

The Golden Rules: Redemption, Limits, and Validity

To maximize your benefits from the program, it’s essential to keep these key guidelines in mind.

  • Redemption Threshold:
    • Ready to convert your points to gold? You can start redeeming once you have collected a minimum of 1,500 Gold Points.
  • Point Validity:
    • Your Gold Points have a shelf life. Be sure to use them, as they expire 12 months from the date they are issued.
  • Earning Limits:
    • To ensure fair usage for everyone, the program has the following earning caps:
      • Daily Limit: A maximum of 6,000 Gold Points can be earned per day.
      • Monthly Limit: You can accumulate up to 60,000 Gold Points per month.
      • Peer-to-Peer (P2P) Transfers: For money transfers to other individuals, you can earn points on a maximum of 10 transactions per day and 100 transactions per month.

Real-World Use Cases: Turning Daily Spends into Digital Gold

Where can you actually earn these Gold Points? The answer is: almost everywhere you use Paytm.

  • Money Transfers: Sending money to friends, family, or your landlord? Every peer-to-peer (P2P) transfer you make (within the specified limits) earns you Gold Points.
  • Paying Local Merchants:  The QR code at your favorite coffee shop, local kirana store, or vegetable vendor is an excellent way to earn. Every “Scan & Pay” transaction adds to your balance, but for maximum rewards, use your RuPay Credit Card on UPI. Only Scan & Pay transactions made via a RuPay Credit Card on UPI are eligible for the double (2%) Gold Points.
  • Utility Bill Payments: Paying your electricity, water, gas, internet, or postpaid mobile bills through Paytm isn’t just convenient—it’s now rewarding you with a tangible asset.
  • 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 a food delivery app like “FoodBites,” an online grocery store like “MartStore,” or any e-commerce website 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.

The Real Benefits: Why It’s Smarter Than Just Cashback

So, what truly makes the Paytm Gold Points Program stand out from typical reward systems? It’s about transforming fleeting rewards into lasting value.

  • Effortless Micro-Savings: The program turns your everyday spending into a disciplined, micro-savings habit without you even thinking about it. You are saving and investing simply by making your usual transactions.
  • A Tangible, Appreciating Asset: Unlike cashback, which is often spent on trivial items and quickly forgotten, you are accumulating 24K gold—a globally recognized asset that has the potential to appreciate in value over time.
  • Zero-Cost Entry into Gold Investment: It provides a risk-free and cost-free way to start investing in digital gold. You aren’t putting aside extra money; your investment is generated directly from your existing expenses.
  • Incentivizes Smarter Payments: The program actively rewards you more for making savvy payment choices, offering double the points (2% vs. 1%) for using credit cards.
  • Liquid and Secure: Once redeemed, your digital gold is stored securely in insured vaults. It can be sold back on the Paytm platform at any time at live market rates, providing high liquidity and flexibility.

With the festive season just around the corner, your spending is set to rise. But instead of simply being an expense, every transaction can now be a step towards a valuable investment. That is the simple yet powerful promise of the Paytm Gold Points Program.

This year, embrace a smarter way to celebrate. Let your festive shopping for loved ones simultaneously build your own digital gold savings, one transaction at a time. Make your celebrations truly golden.

Author

Paytm Editorial Team

The Paytm Editorial Team is a collaborative group of writers, editors, and industry experts. We're dedicated to bringing you the latest insights, news, and guides on digital payments, financial services, and the technology that's shaping India's economy. We offer easy-to-follow guides and insights to help you explore Paytm’s products, features, and services. Our goal is to provide clear, reliable, and helpful information to empower you on your financial journey.

FAQs

What is the fastest way to earn more Paytm Gold Points on my transactions?

You can earn Paytm Gold Points fastest by using a credit card or the "Credit Card on UPI" feature for your payments, as this doubles your reward rate from the standard 1% to an accelerated 2%.

What happens if I forget to claim the scratch card after a payment?

If you forget to claim your scratch card, you have 30 days from the transaction date to do so; after this period, the scratch card and the Gold Points reward will permanently expire.

Do my collected Paytm Gold Points have an expiry date?

Yes, any Paytm Gold Points you earn are valid for 12 months from the date they are issued, and you must redeem them for digital gold within this period to avoid expiration.

Can I convert my Paytm Gold Points directly into cash in my bank account?

You cannot convert Paytm Gold Points directly into cash, but you can redeem them for 24K digital gold and then sell that gold on the Paytm platform to transfer the proceeds to your bank account.

Why might I not have received Gold Points for a recent transaction?

You may not have received Gold Points if the transaction failed, if you forgot to claim the scratch card after the payment, or if you have already reached your daily, monthly, or P2P transfer earning limits.

How can I be sure the digital gold I redeem is authentic and safe?

The digital gold you redeem is completely secure, as it is 24K 99.99% pure gold stored in 100% insured vaults managed by MMTC-PAMP, India's only internationally accredited refinery.

Are there any hidden fees or taxes when I redeem my Paytm Gold Points?

While Paytm does not charge any hidden fees for redemption, a mandatory 3% Goods and Services Tax (GST) is applied to the value of the gold at the time of redemption, as required by government regulations.