Paytm HDFC Bank Credit Card is a credit card exclusive for Paytm customers. Paytm customers can get this card by applying for the card on Paytm app. Paytm is offering this card in partnership with HDFC Bank.

• 3% Cashback on select purchases on Paytm [Recharge + Utility + Movies + Mini App] – Maximum Cap per Calendar Month – Rs.500
• 2% Cashback on all other Paytm Spends – Maximum Cap per Calendar Month – Rs.500
• 1% Cashback on all other spends (except EMI spends, Rental, Fuel, and Education Spends) – Maximum Cap per Calendar Month – Rs.1000.

• For 3% Cashback on select purchases on Paytm [Recharge + Utility + Movies + Mini App] – Cashback accrual capped at Rs.500 per calendar month.
• For 2% Cashback on all other Paytm Spends – Cashback accrual capped at Rs.500 per calendar month.
• For 1% Cashback on all other spends (except EMI spends, Rental, Fuel, and Education Spends) – Cashback accrual capped at Rs.1000 per month.

Cashback is accrued as Cashpoints in your card account, which can be redeemed post statement generation. Cashpoints can be redeemed as Cashback along with other redemption categories.

Cashpoints for a particular month will be received in the first week of the subsequent month.

Customers can earn up to Rs. 1200 cashback annually i.e. 1% cashback upon spending INR 10,000 (except EMI and Rental spends) every month capped at INR 100 per month.

Paytm First is a premium subscription-based rewards & loyalty program for Paytm users. It offers exclusive benefits, over and above the regular offers. A Paytm First member will enjoy a wide range of exclusive benefits from leading partnered brands. Your Paytm First membership would be activated within 15 working days upon minimum one transaction of Rs. 100 within one year of card issuance.

You will get a complimentary 100% discount voucher for Paytm First membership, which can be shared with friends/family. These codes will be shared over SMS/email within 15 working days upon minimum one transaction of Rs. 100 within one year of card issuance within one year of card issuance.

Extended credit free period up to 50 days for all purchases is offered to the cardholder on Paytm HDFC Bank Credit Card.

1% Fuel Surcharge waiver on fuel transactions (Minimum transaction of ₹400, Maximum transaction of ₹5,000 & Maximum Cashback of ₹250 per statement cycle)

For Paytm HDFC Bank Credit Card, a cardholder is charged with annual fee of Rs.500 (plus taxes)

For Paytm HDFC Bank Credit Card, First Year Membership fee can be waived off by spending Rs.30,000 (Non-EMI Spends) within the first 90 days

For Paytm HDFC Bank Credit Card, Renewal fee can be waived off upon spending Rs.50,000 (Non-EMI Spends) in the 12 months period.

The customer can earn up to 3% cashback on all card spends (Non-EMI spends), which will be automatically credited as cashback directly to your card account till 30th April, 2022.From 1st May, 2022, Cashpoints can be redeemed by the customer against outstanding balance as cashback or can be used for redeeming against other categories such as Smartbuy (Flights/Hotels), Airmiles & Product Catalogue.

No. The cashback is not applicable on wallet loads and fuel spends. Also, from 1st January 2023 onwards, no cashback will be given on rental and government spends.

Users can do the KYC verification now remotely on a video call, this will be done via specialized banking staff.

No. Real time video call should happen in the process of video KYC verification.

Paytm HDFC Bank Credit Card also offers a lost card liability cover of 3Lakhs, refer claim process for details

Paytm HDFC Bank Credit Card can be used in both online and offline transactions. Once you generate a PIN, you can use your card to make payments at any merchant establishment that accepts VISA payments. You can also use Paytm HDFC Bank Credit Card for online transactions, international transactions and to add money your Paytm wallet once you have enabled the card on the HDFC Website.

• Paytm HDFC Bank Credit Card can be enabled for contactless payments, facilitating fast, convenient and secure payments at retail outlets (Look out for the contactless network symbol on the card plastic).
• Please note that in India, payment through contactless mode is allowed for a maximum of ₹5,000 for a single transaction where you are not asked to input your Credit Card PIN. However, if the amount is higher than or equal to ₹5,000, the Cardholder has to enter the Credit Card PIN for security reasons.

A cardholder needs to generate the PIN to activate Paytm HDFC Bank Credit Card. Following ways can be used for activation

1. By using IVR - Call 1860 266 0333
2. By using Net Banking
3. By using Mobile Banking App
4. By using ATM

Please refer to this link for more information to generate PIN.

A cardholder is required to show the following documents for Paytm HDFC Bank Credit Card

1. ID proof copy
2. Address proof copy
3. Passport size photograph

Please note that in case of any discrepancy, a cardholder might be asked for additional document. Certified copy of any Officially Valid Documents (OVD) may be accepted for opening new accounts (as Proof of Identity / Proof of Mailing Address),

1. iProof of possession1 of Aadhaar / printout of e-Aadhaar (not older than 30 days) / e-KYC (Biometric / OTP based)
2. Passport [not expired]
3. Permanent Driving license [not expired]
4. Election /Voter’s card issued by Election Commission of India
5. Job card issued by NREGA duly signed by an officer of the State Government
6. Letter issued by the National Population Register containing details of name & address

Yes. The flexible payment options of No cost EMI and Low-cost EMI can be availed by a cardholder on the credit card.

• Paytm HDFC Bank Credit Card will be disabled for online, contactless and/or international transactions initially to protect against fraud. A cardholder can enable the card through HDFC website.
• For further details on card activation, please visit HDFC Bank website or refer to the leaflets in the welcome kit.

Once the bill is generated, the credit card monthly statement is sent to the cardholder’s registered email address. A cardholder can also view and download the bill by logging into HDFC Bank website

A cardholder can pay the outstanding dues of credit card bill on HDFC Bank website or HDFC Bank MyCards App.

The interest rate of 3.6% is charged on the revolving balance of the credit card.

In case of credit card being lost/stolen, a cardholder should login to HDFC Bank online at once and report the lost or stolen credit card in the service requests section in the menu.

Paytm HDFC Bank Credit Card also offers a lost card liability cover of 3Lakhs, refer claim process for details.

A cardholder should call HDFC Bank’s 24 Hours customer care to report the loss of the credit card and block the same. Please click on this link. Transaction dispute needs to be reported in writing within 60 days from the statement date in which the said transaction appears.

To know the different type of charges & fees on the credit card, please refer the MITC link in different languages.

Save up to 5% on you Personal spends of Rs. 5,00,000 in a year with Paytm HDFC Bank Credit Card
List	Benefits & Offers	Spends per year	Savings per year	Assumptions
Key Benefit 1	Get 3% cashback on all purchases on Paytm [Recharge+ Utility + Movies + Mini App]	180000	3%	Rs. 15000 spends per month (except EMI spends)
Key Benefit 2	Get 2% cashback on all other Paytm spends.	144000	2%	Rs. 12000 spends per month (except EMI spends)
Key Benefit 3	Get 1% cashback on all other Retail Spends (non-EMI)	96000	1%	Rs. 8000 spends per month (except EMI spends)
Annual Fee Benefit	First Year Fee waived off on retail spends of INR ,30,000 in first 30 days.	30,0000	1%	Already 30,000 is spent for core benefits
Welcome Benefits	Up to INR 1200 Cashback Annually – Earn 1% CB upon spending INR 10,000 every month (non- EMI)	10000 per month	1%	Rs. 10,000 spends per month (except EMI spends)
Milestone Benefit	Paytm First membership upon 1st Transaction		1%	Get Paytm First Membership worth Rs.1800
Fuel Benefit	1% Fuel Surcharge Waiver Min. transaction 400	72000	1%	Rs. 6000 spends per month
	Total	500000	5%

• Cashback Offer:
• 1. 3% Cashback on select purchases on Paytm [Recharge + Utility + Movies + Mini App] – Maximum Cap per Calendar Month – Rs.500
  2. 2% Cashback on all other Paytm Spends – Maximum Cap per Calendar Month – Rs.500
  3. 1% Cashback on all other spends (except EMI spends, Rental, Fuel, and Education Spends) – Maximum Cap per Calendar Month – Rs.1000.
• Scenario: Suppose the customer is spending Rs. 20000 per month in Paytm [Recharge + Utility + Movies + Mini App]; Rs.10000 per month on other Paytm Spends and Rs. 5000 on all other spends (except EMI, Rental, Fuel, and Education Spends)
• Total Cashback = 3% cashback on Rs. 20000 (i.e. Rs. 600, but feature capped at - Rs.500) + 2% cashback on Rs.10000 (i.e. Rs. 2000, but feature capped at Rs. 500) + 1% cashback on Rs. 5000 (i.e. Rs. 50) = Rs. 1050. Hence, the total cashback will be Rs. 1050 will be automatically credited as cashpoints, that can be redeemed by the customer against outstanding balance as cashback or can be used for redeeming against other categories such as Smartbuy (Flights/Hotels), Airmiles & Product Catalogue.

• Annual Fee Waiver Offer:
• Min & Max Fee Waiver: Rs. 500 + GST
  
• Min & Max Transaction Limit: No Capping
  
• Min Amount Transaction: Rs. 30000 (only on retail spends) in first 30 days
  
• Scenario 1: If the customer spends Rs. 30000 or more in first 30 days on the retail spends, then the first year fee of Rs. 500 + GST is waived off.
  Scenario 2: If the customer spends less than Rs. 30000 in first 30 days on the retail spends, then the first year fee of Rs. 500 + GST will not be waived off and shall be charged to the customer.
  Scenario 3: If the customer spends Rs. 50000 or more in the renewal year on the retail spends, then the renewal fee of Rs. 500 + GST is waived off.
  Scenario 4: If the customer spends less than Rs. 30000 in the renewal year on the retail spends, then the renewal fee of Rs. 500 + GST will not be waived off and shall be charged to the customer.
  

• Paytm First Membership:
• Minimum Amount of Transaction: 1
  Minimum Value of Transaction: Rs. 100
• Scenario 1: If the transaction amount is greater than 100, Paytm First Membership can be provided to the merchants.
  Scenario 2: If the transaction amount is less than 100, Paytm First Membership cannot be provided to the merchants.

Paytm HDFC Bank Select Credit Card is a credit card exclusive for Paytm customers. Paytm customers can get this card by applying for the card on Paytm app. Paytm is offering this card in partnership with HDFC Bank.

1. 5% Cashback on Paytm [Recharge + Utility + Movies + Mini App + Travel] – Capped at Rs.1500 per Calendar Month.
2. 3% Cashback on Accelerated Categories like Swiggy, AJIO, Big Basket & Uber – Capped at Rs. 500 per Calendar Month.
3. 1% Cashback on all other spends (except EMI spends, Rental, Fuel, and Education Spends) – Rs.2000 per Calendar Month.

1. For 5% Cashback on select purchases on Paytm [Recharge + Utility + Movies + Mini App + Travel] – Cashback accrual capped at Rs.1500 per calendar month.
2. For 3% Cashback on Accelerated Categories like Swiggy, AJIO, Big Basket & Uber – Cashback accrual capped at Rs.500 per calendar month.
3. For 1% Cashback on all other spends (except EMI spends, Rental, Fuel, and Education Spends) – Cashback accrual capped at Rs.2000 per month.

Cashback is accrued as Cashpoints in your card account, which can be redeemed post statement generation. Cashpoints can be redeemed as Cashback along with other redemption categories.

Cashpoints for a particular month will be received in the first week of the subsequent month.

The customer will be eligible for GV worth Rs. 500 upon spending Rs. 50,000 per quarter (except EMI and Rental spends). The customer will receive the same benefit within 90 days

Paytm HDFC Bank Select Credit Card also offers Lost card liability cover of 5 Lakhs

Paytm First is a premium subscription-based rewards & loyalty program for Paytm users. It offers exclusive benefits, over and above the regular offers. A Paytm First member will enjoy a wide range of exclusive benefits from leading partnered brands. Your Paytm First membership would be activated within 15 working days upon minimum one transaction of Rs. 100 within one year of card issuance.

You will get a complimentary 100% discount voucher for Paytm First membership, which can be shared with friends/family. These codes will be shared over SMS/email within 15 working days upon minimum one transaction of Rs. 100 within one year of card issuance within one year of card issuance.

Extended credit free period up to 50 days for all purchases is offered to the cardholder on Paytm HDFC Bank Select Credit Card.

1% Fuel Surcharge waiver on fuel transactions (Minimum transaction of ₹400, Maximum transaction of ₹5,000 & Maximum Cashback of ₹250 per statement cycle)

For Paytm HDFC Bank Select Credit Card, Rs.1,000 is levied as annual charges after 90 days of issuance only if the customer has not activated.

For Paytm HDFC Bank Select Credit Card, a cardholder is charged with annual fee of Rs.1,000 (plus applicable taxes) only after 90 days of issuance if the cardholder has not activated the credit card.

For Paytm HDFC Bank Select Credit Card, First Year Membership fee can be waived off by spending Rs.50,000 (Non-EMI Spends) within the first 90 days.

The customer will earn up to 5% cashback on all card spends (Non-EMI spends), which will be automatically credited as cashback directly to your card account till 30th April, 2022. From 1st May, 2022, Cashpoints can be redeemed by the customer against outstanding balance as cashback or can be used for redeeming against other categories such as Smartbuy (Flights/Hotels), Airmiles & Product Catalogue.

No. The cashback is not applicable on wallet loads and fuel spends. Also, from 1st January 2023 onwards, no cashback will be given on rental and government spends.

Paytm HDFC Bank Select Credit Card offers 8 domestic lounge visits in a year. The updated lounge list can be viewed at: List of Airport Lounges as shared by VISA. File attached separately

To make your travel more comfortable, select HDFC Bank Paytm Select Business credit cards offer complimentary access to airport lounges within India. You can relax in the comforts of the lounge while you wait for your flight. Depending on the credit card variant that you hold, you can avail this benefit and travel in luxury and style. HDFC Bank Paytm Select Business Credit Card cardholders can avail up to 8 lounge access within India in a calendar year using Visa credit card.

All the visits exceeding the complimentary quota will be allowed at the discretion of lounge and will also be chargeable by the lounge

Users can do the KYC verification now remotely on a video call, this will be done via specialized banking staff.

No. Real time video call should happen in the process of video KYC verification.

Paytm HDFC Bank Select Credit Card can be used in both online and offline transactions. Once you generate a PIN, you can use your card to make payments at any merchant establishment that accepts VISA payments. You can also use Paytm HDFC Bank Select Credit Card for online transactions, international transactions and to add money your Paytm wallet once you have enabled the card on the HDFC Website.

• Paytm HDFC Bank Select Credit Card can be enabled for contactless payments, facilitating fast, convenient and secure payments at retail outlets (Look out for the contactless network symbol on the card plastic).
• Please note that in India, payment through contactless mode is allowed for a maximum of ₹5,000 for a single transaction where you are not asked to input your Credit Card PIN. However, if the amount is higher than or equal to ₹5,000, the Cardholder has to enter the Credit Card PIN for security reasons.

A cardholder needs to generate the PIN to activate Paytm HDFC Bank Select Credit Card. Following ways can be used for activation

1. By using IVR - Call 1860 266 0333
2. By using Net Banking
3. By using Mobile Banking App
4. By using ATM

Please refer to this link for more information to generate PIN.

• A cardholder is required to show the following documents for Paytm HDFC Bank Select Credit Card

1. ID proof copy
2. Address proof copy
3. Passport size photograph

Please note that in case of any discrepancy, a cardholder might be asked for additional document. Certified copy of any Officially Valid Documents (OVD) may be accepted for opening new accounts (as Proof of Identity / Proof of Mailing Address),

1. iProof of possession1 of Aadhaar / printout of e-Aadhaar (not older than 30 days) / e-KYC (Biometric / OTP based)
2. Passport [not expired]
3. Permanent Driving license [not expired]
4. Election /Voter’s card issued by Election Commission of India
5. Job card issued by NREGA duly signed by an officer of the State Government
6. Letter issued by the National Population Register containing details of name & address

Yes. The flexible payment options of No cost EMI and Low-cost EMI can be availed by a cardholder on the credit card.

• Paytm HDFC Bank Select Credit Card will be disabled for online, contactless and/or international transactions initially to protect against fraud. A cardholder can enable the card through HDFC website.
• For further details on card activation, please visit HDFC Bank website or refer to the leaflets in the welcome kit.

Once the bill is generated, the credit card monthly statement is sent to the cardholder’s registered email address. A cardholder can also view and download the bill by logging into HDFC Bank website

A cardholder can pay the outstanding dues of credit card bill on HDFC Bank website or HDFC Bank MyCards App.

The interest rate of 3.6% is charged on the revolving balance of the credit card.

In case of credit card being lost/stolen, a cardholder should login to HDFC Bank online at once and report the lost or stolen credit card in the service requests section in the menu.

Paytm HDFC Bank Select Credit Card also offers a lost card liability cover of 3Lakhs, refer claim process for details.

A cardholder should call HDFC Bank’s 24 Hours customer care to report the loss of the credit card and block the same. Please click on this link. Transaction dispute needs to be reported in writing within 60 days from the statement date in which the said transaction appears.

To know the different type of charges & fees on the credit card, please refer the MITC link in different languages.

Save up to 10% on your Business & Personal spends of Rs. 8,00,000 in a year with Paytm HDFC Bank Select Credit Card
List	Benefits & Offers	Spends per year	Savings per year	Assumptions
Key Benefit	5% cashback on select purchases on Paytm [Recharge + Utility + Travel + Movies + Mini App]	240000	5%	Rs. 20000 spends per month (except EMI spends)
	3% cashback on Cashback on Accelerated Categories like Swiggy, AJIO, Big Basket & Uber.	240000	3%	Rs. 20000 spends per month (except EMI spends)
	1% cashback on all other spends.	180000	1%	Rs. 15000 spends per month (except EMI spends)
Travel/lounge Benefits	Complimentary 8 Lounge Access per year		4.5%	Rs. 3000 per lounge visit
Annual Fee Benefit	Annual fee waived off on spends of Rs. 1 lac in the year.		1%	Rs. 100000 spends per year (except EMI spends)
Milestone Benefit	Rs.500 worth GV upon card activation with 6 transactions in first 90 days.		0.25%	Minimum transaction amount is Rs. 100
	Paytm first membership		0.5%	Get Paytm First Membership for 6 months free worth Rs. 900
Fuel Benefit	1% Fuel Surcharge Waiver Min. transaction 400	144000	1%	Rs. 12000 spends per month
	Total	800000	10%

• Cashback Offer:
• 1. 5% Cashback on Paytm [Recharge + Utility + Movies + Mini App + Travel] – Capped at Rs.1500 per Calendar Month.
  2. 3% Cashback on Accelerated Categories like Swiggy, AJIO, Big Basket & Uber – Capped at Rs. 500 per Calendar Month.
  3. 1% Cashback on all other spends (except EMI spends, Rental, Fuel, and Education Spends) – Rs.2000 per Calendar Month.
• Scenario: Suppose the customer is spending Rs. 40000 per month on Paytm [Recharge + Utility + Movies + Mini App + Travel]; Rs. 15000 on Categories like Swiggy, AJIO, Big Basket & Uber and Rs. 5000 on all other spends (except EMI spends, Rental, Fuel, and Education Spends)
• Total Cashback = 5% cashback on Rs. 40000 (i.e. Rs. 2000, but feature capped at Rs.1500) + 3% cashback on Categories like Swiggy, AJIO, Big Basket & Uber Rs. 20000 (i.e. Rs. 600, but feature capped at Rs.500) + 1% cashback on Rs. 5000 = Rs. 50. Hence, the total cashback will be Rs. 2050 will be automatically credited cashpoints, that can be redeemed by the customer against outstanding balance as cashback or can be used for redeeming against other categories such as Smartbuy (Flights/Hotels), Airmiles & Product Catalogue.

• Gift Vouchers:
• The customer will be eligible for GV worth Rs. 500 on spends of Rs. 50,000 every calendar quarter (except EMI spends). GV Value: Rs. 500
• Minimum Transaction Amount: Rs. 50,000/Quarter
• Number of Transactions: No capping on number of transactions
• Scenario 1: If the merchant spends Rs. 60,000/Quarter, then they can redeem a gift voucher worth Rs. 500 in that particular quarter.
• Scenario 2: If the merchant spends Rs. 30,000/Quarter, then they cannot redeem a gift voucher.

• Yearly Fee Waiver Offer:
• Min & Max Fee Waiver: Rs. 1000 + GST (yearly)
  
• Min & Max Transaction Limit: No Capping
  
• Min Amount Transaction (Month): Rs. 50000 (within first 3 months)
  
• Scenario 1: If the customer spends Rs. 50000 or more within first 3 months on retail spends (Non-EMI), then the first year fee of Rs. 1000 + GST is waived off.
  Also, if the customer spends Rs. 1.5 lakhs or more in a year on retail spends (Non-EMI), then the renewal fee is waived off.
  Scenario 2: If the customer spends less than Rs. 50000 within first 3 months on retail spends (Non-EMI), then the first year fee of Rs. 1000 + GST is charged to the customer.
  Also, if the customer spends less than Rs. 1.5 lakhs in a year on retail spends (Non-EMI), then the renewal fee of Rs. 1000 + GST is charged to the customer.
  Scenario 3: If the customer spends Rs. 50000 or more within first 3 months on retail spends (Non-EMI), then the first year fee of Rs. 1000 + GST is waived off. Also, if the customer spends less than Rs. 1.5 lakhs in a year on retail spends (Non-EMI), then the renewal fee of Rs. 1000 + GST is charged to the customer.
  Scenario 4: If the customer spends less than Rs. 50000 within first 3 months on retail spends (Non-EMI), then the first year fee of Rs. 1000 + GST is charged to the customer.
  Also, if the customer spends Rs. 1.5 lakhs or more in a year on retail spends (Non-EMI) , then the renewal fee is waived off.
  

• Paytm First Membership:
• Minimum Amount of Transaction: 1
  Minimum Value of Transaction: Rs. 100
• Scenario 1: If the transaction amount is greater than 100, Paytm First Membership can be provided to the merchants.
  Scenario 2: If the transaction amount is less than 100, Paytm First Membership cannot be provided to the merchants.

Paytm HDFC Bank Business Credit Card is a credit card exclusive for Paytm customers. Paytm customers can get this card by applying for the card on Paytm app. Paytm is offering this card in partnership with HDFC Bank.

1. 3% Cashback on select purchases on Paytm [Recharge + Utility + Movies + Mini App] – Maximum Cap per Calendar Month – Rs.500
2. 2% Cashback on all other Paytm Spends – Maximum Cap per Calendar Month – Rs.500
3. 1% Cashback on all other spends (except EMI spends, Rental, Fuel, and Education Spends) – Maximum Cap per Calendar Month – Rs.1000.

1. For 3% Cashback on select purchases on Paytm [Recharge + Utility + Movies + Mini App] – Cashback accrual capped at Rs.500 per calendar month.
2. For 2% Cashback on all other Paytm Spends – Cashback accrual capped at Rs.500 per calendar month.
3. For 1% Cashback on all other spends (except EMI spends, Rental, Fuel, and Education Spends) – Cashback accrual capped at Rs.1000 per month.

Cashback is accrued as Cashpoints in your card account, which can be redeemed post statement generation. Cashpoints can be redeemed as Cashback along with other redemption categories.

Cashpoints for a particular month will be received in the first week of the subsequent month.

The cardholder will be eligible for Rs.250 worth Gift Voucher upon card activation with minimum 2 transactions in the first 30 days.

The cardholder can avail Rs.500 worth Gift Voucher on annual spends of Rs.1 Lakh (Non-EMI Spends and Non-Rental Spends)

Paytm First is a premium subscription-based rewards & loyalty program for Paytm users. It offers exclusive benefits, over and above the regular offers. A Paytm First member will enjoy a wide range of exclusive benefits from leading partnered brands. Your Paytm First membership would be activated upon minimum one transaction of Rs. 100 within one year of card issuance.

You will get a complimentary 100% discount voucher for Paytm First membership, which can be shared with friends/family. These codes will be shared over SMS/email upon minimum one transaction of Rs. 100 within one year of card issuance within one year of card issuance.

Extended credit free period up to 50 days for all purchases is offered to the cardholder on Paytm HDFC Bank Business Credit Card.

1% Fuel Surcharge waiver on fuel transactions (Minimum transaction of ₹400, Maximum transaction of ₹5,000 & Maximum Cashback of ₹250 per statement cycle)

For Paytm HDFC Bank Business Credit Card, a cardholder is charged with annual fee of Rs.500 (plus applicable taxes) only after 90 days of issuance if the cardholder has not activated the credit card.

For Paytm HDFC Bank Business Credit Card, First Year Membership fee can be waived off by spending Rs. 30,000 (Non-EMI Spends) within the first 90 days.

For Paytm HDFC Bank Business Credit Card, Renewal fee can be waived off upon spending Rs. 50,000 (Non-EMI Spends) in a 12-month period.

The customer can earn up to 3% cashback on all card spends (Non-EMI spends) which will be automatically credited as cashback directly to your card account till 30th April, 2022. From 1st May, 2022, Cashpoints can be redeemed by the customer against outstanding balance as cashback or can be used for redeeming against other categories such as Smartbuy (Flights/Hotels), Airmiles & Product Catalogue.

No. The cashback is not applicable on wallet loads and fuel spends. Also, from 1st January 2023 onwards, no cashback will be given on rental and education spends.

Users can do the KYC verification now remotely on a video call, this will be done via specialized banking staff.

No. Real time video call should happen in the process of video KYC verification.

Paytm HDFC Bank Business Credit Card can be used in both online and offline transactions. Once you generate a PIN, you can use your card to make payments at any merchant establishment that accepts VISA payments. You can also use Paytm HDFC Bank Business Credit Card for online transactions, international transactions and to add money to your Paytm wallet once you have enabled the card on the HDFC Website.

• Paytm HDFC Bank Business Credit Card can be enabled for contactless payments, facilitating fast, convenient and secure payments at retail outlets (Look out for the contactless network symbol on the card plastic).
• Please note that in India, payment through contactless mode is allowed for a maximum of ₹5,000 for a single transaction where you are not asked to input your Credit Card PIN. However, if the amount is higher than or equal to ₹5,000, the Cardholder has to enter the Credit Card PIN for security reasons.

A cardholder needs to generate the PIN to activate Paytm HDFC Bank Business Credit Card. Following ways can be used for activation

1. By using IVR - Call 1860 266 0333
2. By using Net Banking
3. By using Mobile Banking App
4. By using ATM

Please refer to this link for more information to generate PIN.

A cardholder is required to show the following documents for Paytm HDFC Bank Business Credit Card

1. ID proof copy
2. Address proof copy
3. Passport size photograph

Please note that in case of any discrepancy, a cardholder might be asked for additional document. Certified copy of any Officially Valid Documents (OVD) may be accepted for opening new accounts (as Proof of Identity / Proof of Mailing Address),

1. iProof of possession1 of Aadhaar / printout of e-Aadhaar (not older than 30 days) / e-KYC (Biometric / OTP based)
2. Passport [not expired]
3. Permanent Driving license [not expired]
4. Election /Voter’s card issued by Election Commission of India
5. Job card issued by NREGA duly signed by an officer of the State Government
6. Letter issued by the National Population Register containing details of name & address

Yes. The flexible payment options of No cost EMI and Low-cost EMI can be availed by a cardholder on the credit card.

• Paytm HDFC Bank Business Credit Card will be disabled for online, contactless and/or international transactions initially to protect against fraud. A cardholder can enable the card through HDFC website.
• For further details on card activation, please visit HDFC Bank website or refer to the leaflets in the welcome kit.

Once the bill is generated, the credit card monthly statement is sent to the cardholder’s registered email address. A cardholder can also view and download the bill by logging into HDFC Bank website

A cardholder can pay the outstanding dues of credit card bill on HDFC Bank website or HDFC Bank MyCards App.

The interest rate of 3.6% is charged on the revolving balance of the credit card.

In case of credit card being lost/stolen, a cardholder should login to HDFC Bank online at once and report the lost or stolen credit card in the service requests section in the menu.

Paytm HDFC Bank Business Credit Card also offers a lost card liability cover of 3 Lakhs, refer claim process for details.

A cardholder should call HDFC Bank’s 24 Hours customer care to report the loss of the credit card and block the same. Please click on this link. Transaction dispute needs to be reported in writing within 60 days from the statement date in which the said transaction appears.

To know the different type of charges & fees on the credit card, please refer the MITC link.

Save up to 5% on your Business & Personal spends of Rs. 5,00,000 in a year with HDFC Bank Paytm Bank Business Credit Card
List	Benefits & Offers	Spends per year	Savings per year	Assumptions
Key Benefit	3% cashback on purchases on select Paytm [Recharge + Utility + Movies + Mini App]	180000	3%	Rs. 15000 spends per month (except EMI spends)
	2% Cashback on all other Paytm Spends	144000	2%	Rs. 12,000 spends per month (except EMI spends)
	1% cashback on all other spends.	96000	1%	Rs. 8000 spends per month (except EMI spends)
Annual Fee Benefit	Annual fee waived off on spends of Rs.50,000 in the year.		1%	Rs. 50000 spends per year (except EMI spends)
Milestone Benefit	Rs.250 worth GV upon card activation with 2 transactions in first 30 days.		0.5%	Minimum transaction amount is Rs. 100
	Rs.500 worth GV on spends of Rs.1 Lac in a year		0.5%	Already Rs. 300000 is spend for core benefits (except EMI spends)
	Paytm first membership		0.5%	Get Paytm First Membership for 6 months free worth Rs. 900
Fuel Benefit	1% Fuel Surcharge Waiver Min. transaction 400	84000	1%	Rs. 7000 spends per month
	Total	500000	5%

• Cashback Offer:
• 1. 3% Cashback on select purchases on Paytm [Recharge + Utility + Movies + Mini App] – Maximum Cap per Calendar Month – Rs.500
  2. 2% Cashback on all other Paytm Spends – Maximum Cap per Calendar Month – Rs.500
  3. 1% Cashback on all other spends (except EMI spends, Rental, Fuel, and Education Spends) – Maximum Cap per Calendar Month – Rs.1000.
• Scenario: Suppose the merchant is spending Rs. 20000 per month in Paytm [Recharge + Utility + Movies + Mini App]; Rs.10000 per month on other Paytm Spends and Rs. 5000 on all other spends (except EMI, Rental, Fuel, and Education Spends)
• Total Cashback = 3% cashback on Rs. 20000 (i.e. Rs. 600, but feature capped at - Rs.500) + 2% cashback on Rs.10000 (i.e. Rs. 2000, but feature capped at Rs. 500) + 1% cashback on Rs. 5000 (i.e. Rs. 50) = Rs. 1050. Hence, the total cashback will be Rs. 1050 will be automatically credited as cashpoints, that can be redeemed by the customer against outstanding balance as cashback or can be used for redeeming against other categories such as Smartbuy (Flights/Hotels), Airmiles & Product Catalogue.

• Gift Vouchers 1:
• 1. The customer will be eligible for GV worth Rs. 250 upon card activation with 2 transactions in the first 30 days. GV Value: Rs. 250
• Minimum Transaction: 2
• Minimum Amount Spending: Rs. 100 (single transaction)
• Scenario 1: If the merchant does 8 transactions in the first 30 days, they can redeem a gift voucher worth Rs. 250.
• Scenario 2: If the merchant does 1 transaction in the first 30 days, they cannot redeem a gift voucher.

• Gift Vouchers 2:
• The customer will be eligible for GV worth Rs. 500 worth GV on spends of Rs. 1 Lakh (except EMI spends) in the year. GV Value: Rs. 500
• Minimum Transaction Amount: Rs. 1 lakh/year
• Number of Transactions: No capping on number of transactions.
• Scenario 1: If the merchant spends Rs. 1.2 lakhs/year, they can redeem a gift voucher worth Rs. 500.
• Scenario 2: If the merchant spends Rs. 70,000/year, they cannot redeem a gift voucher

• Paytm First Membership:
• Minimum Amount of Transaction: 1
  Minimum Value of Transaction: Rs. 100
• Scenario 1: If the transaction amount is greater than 100, Paytm First Membership can be provided to the merchants.
  Scenario 2: If the transaction amount is less than 100, Paytm First Membership cannot be provided to the merchants.

Paytm HDFC Bank Select Business Credit Card is a credit card exclusive for Paytm customers. Paytm customers can get this card by applying for the card on Paytm app. Paytm is offering this card in partnership with HDFC Bank.

1. 5% Cashback on Paytm [Recharge + Utility + Movies + Mini App + Travel] – Capped at Rs.1500 per Calendar Month.
2. 3% Cashback on Accelerated Categories like Swiggy, AJIO, Big Basket & Uber – Capped at Rs. 500 per Calendar Month.
3. 1% Cashback on all other spends (except EMI spends, Rental, Fuel, and Education Spends) – Rs.2000 per Calendar Month.

1. For 5% Cashback on select purchases on Paytm [Recharge + Utility + Movies + Mini App + Travel] – Cashback accrual capped at Rs.1500 per calendar month.
2. For 3% Cashback on Accelerated Categories like Swiggy, AJIO, Big Basket & Uber – Cashback accrual capped at Rs.500 per calendar month.
3. For 1% Cashback on all other spends (except EMI spends, Rental, Fuel, and Education Spends) – Cashback accrual capped at Rs.2000 per month.

Cashback is accrued as Cashpoints in your card account, which can be redeemed post statement generation. Cashpoints can be redeemed as Cashback along with other redemption categories.

Cashpoints for a particular month will be received in the first week of the subsequent month.

The cardholder will be eligible for Rs.500 worth Gift Voucher upon card activation with minimum 4 transactions in the first 30 days.

The cardholder can avail Rs.1000 worth Gift Voucher on annual spends of Rs.2 Lakhs (Non-EMI and Non-Rental Spends)

Paytm First is a premium subscription-based rewards & loyalty program for Paytm users. It offers exclusive benefits, over and above the regular offers. A Paytm First member will enjoy a wide range of exclusive benefits from leading partnered brands. Your Paytm First membership would be activated within 15 working days upon minimum one transaction of Rs. 100 within one year of card issuance.

You will get a complimentary 100% discount voucher for Paytm First membership, which can be shared with friends/family. These codes will be shared over SMS/email within 15 working days upon minimum one transaction of Rs. 100 within one year of card issuance within one year of card issuance.

Extended credit free period up to 50 days for all purchases is offered to the cardholder on Paytm HDFC Bank Select Business Credit Card.

1% Fuel Surcharge waiver on fuel transactions (Minimum transaction of ₹400, Maximum transaction of ₹5,000 & Maximum Cashback of ₹250 per statement cycle)

For Paytm HDFC Bank Select Business Credit Card, Rs.1,000 is levied as annual charges after 90 days of issuance only if the customer has not activated.

For Paytm HDFC Bank Select Business Credit Card, a cardholder is charged with annual fee of Rs.1,000 (plus applicable taxes) only after 90 days of issuance if the cardholder has not activated the credit card.

For Paytm HDFC Bank Select Business Credit Card, First Year Membership fee can be waived off by spending Rs.60,000 (Non-EMI Spends) within the first 90 days.

For Paytm HDFC Bank Select Business Credit Card, Renewal year fee can be waived off upon spending Rs.1,00,000 (Non-EMI Spends) in a 12-month period.

The customer can earn up to 5% cashback on all card spends (Non-EMI spends), which will be automatically credited as cashback directly to your card account till 30th April, 2022. From 1st May, 2022, Cashpoints can be redeemed by the customer against outstanding balance as cashback or can be used for redeeming against other categories such as Smartbuy (Flights/Hotels), Airmiles & Product Catalogue.

No. The cashback is not applicable on wallet loads and fuel spends. Also, from 1st January 2023 onwards, no cashback will be given on rental and education spends.

• Paytm HDFC Bank Select Business Credit Card offers 12 domestic lounge visits in a year. The updated lounge list can be viewed at: List of Airport Lounges as shared by VISA. File attached separately

To make your travel more comfortable, select HDFC Bank Paytm Select Business credit cards offer complimentary access to airport lounges within India. You can relax in the comforts of the lounge while you wait for your flight. Depending on the credit card variant that you hold, you can avail this benefit and travel in luxury and style. HDFC Bank Paytm Select Business Credit Card cardholders can avail up to 12 lounge access within India in a calendar year using Visa credit card.

All the visits exceeding the complimentary quota will be allowed at the discretion of lounge and will also be chargeable by the lounge

Users can do the KYC verification now remotely on a video call, this will be done via specialized banking staff.

No. Real time video call should happen in the process of video KYC verification.

Paytm HDFC Bank Select Business Credit Card can be used in both online and offline transactions. Once you generate a PIN, you can use your card to make payments at any merchant establishment that accepts VISA payments. You can also use Paytm HDFC Bank Select Business Credit Card for online transactions, international transactions and to add money your Paytm wallet once you have enabled the card on the HDFC Website.

• Paytm HDFC Bank Select Business Credit Card can be enabled for contactless payments, facilitating fast, convenient and secure payments at retail outlets (Look out for the contactless network symbol on the card plastic).
• Please note that in India, payment through contactless mode is allowed for a maximum of ₹5,000 for a single transaction where you are not asked to input your Credit Card PIN. However, if the amount is higher than or equal to ₹5,000, the Cardholder has to enter the Credit Card PIN for security reasons.

A cardholder needs to generate the PIN to activate Paytm HDFC Bank Select Business Credit Card. Following ways can be used for activation

1. By using IVR - Call 1860 266 0333
2. By using Net Banking
3. By using Mobile Banking App
4. By using ATM

Please refer to this link for more information to generate PIN.

A cardholder is required to show the following documents for Paytm HDFC Bank Select Business Credit Card

1. ID proof copy
2. Address proof copy
3. Passport size photograph

Please note that in case of any discrepancy, a cardholder might be asked for additional document. Certified copy of any Officially Valid Documents (OVD) may be accepted for opening new accounts (as Proof of Identity / Proof of Mailing Address),

1. iProof of possession1 of Aadhaar / printout of e-Aadhaar (not older than 30 days) / e-KYC (Biometric / OTP based)
2. Passport [not expired]
3. Permanent Driving license [not expired]
4. Election /Voter’s card issued by Election Commission of India
5. Job card issued by NREGA duly signed by an officer of the State Government
6. Letter issued by the National Population Register containing details of name & address

Yes. The flexible payment options of No cost EMI and Low-cost EMI can be availed by a cardholder on the credit card.

• Paytm HDFC Bank Select Business Credit Card will be disabled for online, contactless and/or international transactions initially to protect against fraud. A cardholder can enable the card through HDFC website.
• For further details on card activation, please visit HDFC Bank website or refer to the leaflets in the welcome kit.

Once the bill is generated, the credit card monthly statement is sent to the cardholder’s registered email address. A cardholder can also view and download the bill by logging into HDFC Bank website

A cardholder can pay the outstanding dues of credit card bill on HDFC Bank website or HDFC Bank MyCards App.

The interest rate of 3.6% is charged on the revolving balance of the credit card.

In case of credit card being lost/stolen, a cardholder should login to HDFC Bank online at once and report the lost or stolen credit card in the service requests section in the menu.

Paytm HDFC Bank Select Business Credit Card also offers a lost card liability cover of 3Lakhs, refer claim process for details.

A cardholder should call HDFC Bank’s 24 Hours customer care to report the loss of the credit card and block the same. Please click on this link. Transaction dispute needs to be reported in writing within 60 days from the statement date in which the said transaction appears.

To know the different type of charges & fees on the credit card, please refer the MITC link.

Save up to 10% on your Business & Personal spends of Rs. 8,00,000 in a year with Paytm HDFC Bank Select Business Credit Card
List	Benefits & Offers	Spends per year	Savings per year	Assumptions
Key Benefit	5% cashback on all purchases on Paytm [Recharge + Utility + Movies + Mini App + Travel]	240000	5%	Rs. 20000 spends per month (except EMI spends)
	3% cashback on on Accelerated Categories like Swiggy, AJIO, Big Basket & Uber.	240000	3%	Rs. 20000 spends per month (except EMI spends)
	1% cashback on all other spends.	180000	1%	Rs. 15000 spends per month (except EMI spends)
Travel/lounge Benefits	Complimentary 12 Lounge Access per year		4.5%	Rs. 3000 per lounge visit
Annual Fee Benefit	Annual fee waived off on spends of Rs. 1 lac in the year.		1%	Rs. 100000 spends per year (except EMI spends)
Milestone Benefit	Rs.500 worth GV upon card activation with 4 transactions in first 30 days.		0.25%	Minimum transaction amount is Rs. 100
	Rs 1000 worth GV on spends of Rs. 2 Lac in a year		0.5%	Already Rs. 300000 is spend for core benefits
	Paytm first membership		0.5%	Get Paytm First Membership for 6 months free worth Rs. 900
Fuel Benefit	1% Fuel Surcharge Waiver Min. transaction 400	144000	1%	Rs. 12000 spends per month
	Total	800000	10%

• Cashback Offer:
• 1. 5% Cashback on Paytm [Recharge + Utility + Movies + Mini App + Travel] – Capped at Rs.1500 per Calendar Month.
  2. 3% Cashback on Accelerated Categories like Swiggy, AJIO, Big Basket & Uber – Capped at Rs. 500 per Calendar Month.
  3. 1% Cashback on all other spends (except EMI spends, Rental, Fuel, and Education Spends) – Rs.2000 per Calendar Month.
• Scenario: Suppose the merchant is spending Rs. 40000 per month on Paytm [Recharge + Utility + Movies + Mini App + Travel]; Rs. 15000 on Categories like Swiggy, AJIO, Big Basket & Uber and Rs. 5000 on all other spends (except EMI spends, Rental, Fuel, and Education Spends)
• Total Cashback = 5% cashback on Rs. 40000 (i.e. Rs. 2000, but feature capped at Rs.1500) + 3% cashback on Categories like Swiggy, AJIO, Big Basket & Uber Rs. 20000 (i.e. Rs. 600, but feature capped at Rs.500) + 1% cashback on Rs. 5000 = Rs. 50. Hence, the total cashback will be Rs. 2050 will be automatically credited cashpoints, that can be redeemed by the customer against outstanding balance as cashback or can be used for redeeming against other categories such as Smartbuy (Flights/Hotels), Airmiles & Product Catalogue.

• Gift Vouchers 1:
• The customer will be eligible for GV worth Rs. 500 upon card activation with 4 transactions in the first 30 days. GV Value: Rs. 500
• Minimum Transaction: 4
• Minimum Amount Spending: Rs. 100 (single transaction)
• Scenario 1: If the merchant does 8 transactions in the first 90 days, they can redeem a gift voucher worth Rs. 500.
• Scenario 2: If the merchant does 5 transactions in the first 90 days, they cannot redeem a gift voucher.

• Gift Vouchers 2:
• 2. The customer will be eligible for GV worth Rs. 1000 worth GV on spends of Rs.2 Lakhs (except EMI spends) in the year. GV Value: Rs. 1000
• Minimum Transaction Amount: Rs.2 lakhs/year
• Number of Transactions: No capping on number of transactions.
• Scenario 1: If the merchant spends Rs.2.2 lakhs/year, they can redeem a gift voucher worth Rs. 500.
• Scenario 2: If the merchant spends Rs.1.5 lakhs/year, they cannot redeem a gift voucher

• Paytm First Membership:
• Minimum Amount of Transaction: 1
  Minimum Value of Transaction: Rs. 100
• Scenario 1: If the transaction amount is greater than 100, Paytm First Membership can be provided to the merchants.
  Scenario 2: If the transaction amount is less than 100, Paytm First Membership cannot be provided to the merchants.

Paytm HDFC Bank Mobile Credit Card is a credit card exclusive for Paytm customers. Paytm customers can get this card by applying for the card on Paytm app. Paytm is offering this card in partnership with HDFC Bank.

1. 2% Cashback on Paytm Mall, Movies & Mini App – Capped at Rs.250 per calendar month
2. 1% Cashback on all other Paytm spends – Capped at Rs.250 per calendar month
3. 0.5% Cashback on all other spends (except EMI spends) – Capped at Rs.500 per calendar month.

1. For 2% Cashback on Paytm Mall, Movies & Mini App – Cashback accrual capped at Rs.250 per calendar month.
2. For 1% Cashback on all other Paytm spends – Cashback accrual capped at Rs.250 per calendar month.
3. For 0.5% Cashback on all other spends (except EMI spends, Rental, Fuel, and Education Spends) – Cashback accrual capped at Rs.500 per month.

Cashback is accrued as Cashpoints in your card account, which can be redeemed post statement generation. Cashpoints can be redeemed as Cashback along with other redemption categories.

Cashpoints for a particular month will be received in the first week of the subsequent month.

Extended credit free period up to 50 days for all purchases is offered to the cardholder on Paytm HDFC Bank Mobile Credit Card.

For Paytm HDFC Bank Mobile Credit Card, Rs.149 is levied as annual charges.

• For Paytm HDFC Bank Mobile Credit Card, a cardholder is charged with annual fee of Rs.149 (plus applicable taxes).

For Paytm HDFC Bank Mobile Credit Card, first year membership fee can be waived off by spending spending Rs. 1,000 (Non-EMI spends) within the first 30 days and Renewal Year Fee waived upon spending Rs.25,000 (Non-EMI spends) in the 12 months period. (Non-EMI Spends) in a month.

The cardholder can unlock and upgrade the benefits of Paytm HDFC Bank Credit Card by spending Rs.10,000 in 3 consecutive months.

The customer can earn up to 2% cashback on all card spends (Non-EMI spends), which will be automatically credited as cashback directly to your card account till 30th April, 2022. From 1st May, 2022, Cashpoints can be redeemed by the customer against outstanding balance as cashback or can be used for redeeming against other categories such as Smartbuy (Flights/Hotels), Airmiles & Product Catalogue.

No. The cashback is not applicable on wallet loads and fuel spends. Also, from 1st January 2023 onwards, no cashback will be given on rental and government spends

Users can do the KYC verification now remotely on a video call, this will be done via specialized banking staff.

No. Real time video call should happen in the process of video KYC verification

Paytm HDFC Bank Mobile Credit Card can be used In both online and offline transactions. Once you generate a PIN, you can use your card to make payments at any merchant establishment that accepts VISA payments. You can also use Paytm HDFC Bank Mobile Credit Card for online transactions, international transactions and to add money your Paytm wallet once you have enabled the card on the HDFC Website.

A cardholder needs to generate the PIN to activate Paytm HDFC Bank Mobile Credit Card. Following ways can be used for activation

1. By using IVR - Call 1860 266 0333
2. By using Net Banking
3. By using Mobile Banking App
4. By using ATM

Please refer to this link for more information to generate PIN.

A cardholder is required to show the following documents for Paytm HDFC Bank Mobile Credit Card

1. ID proof copy
2. Address proof copy
3. Passport size photograph

Please note that in case of any discrepancy, a cardholder might be asked for additional document. Certified copy of any Officially Valid Documents (OVD) may be accepted for opening new accounts (as Proof of Identity / Proof of Mailing Address),

1. iProof of possession1 of Aadhaar / printout of e-Aadhaar (not older than 30 days) / e-KYC (Biometric / OTP based)
2. Passport [not expired]
3. Permanent Driving license [not expired]
4. Election /Voter’s card issued by Election Commission of India
5. Job card issued by NREGA duly signed by an officer of the State Government
6. Letter issued by the National Population Register containing details of name & address

Yes. The flexible payment options of No cost EMI and Low-cost EMI can be availed by a cardholder on the credit card.

• Once the bill is generated, the credit card monthly statement is sent to the cardholder’s registered email address. A cardholder can also view and download the bill by logging into HDFC Bank website

A cardholder can pay the outstanding dues of credit card bill on HDFC Bank website or HDFC Bank MyCards App.

The interest rate of 3.75% is charged on the revolving balance of the credit card.

A cardholder should call HDFC Bank’s 24 Hours customer care to report the loss of the credit card and block the same. Please click on this link. Transaction dispute needs to be reported in writing within 60 days from the statement date in which the said transaction appears.

To know the different type of charges & fees on the credit card, please refer the MITC link.

Save upto 5% on your Business & Personal spends of Rs. 2,50,000 in a year with Paytm HDFC Bank Mobile Credit Card
List	Benefits & Offers	Spends per year	Savings per year	Assumptions
Key Benefit	Get 2% cashback on all purchases on Paytm [Mall + Movies + Mini App]	84000	2%	Rs. 7000 spends per month (except EMI spends)
	Get 1% cashback on all other Paytm spends.	72000	1%	Rs. 6000 spends per month (except EMI spends)
	Get 0.5% cashback on all other Retail Spends (non-EMI).	42000	0.5%	Rs. 3500 spends per month (except EMI spends)
Annual Fee Benefit	Annual Fee waived off on retail spends of INR 1000 in first 30 days	2500 per month	2%	Rs. 30000 spends per year (except EMI spends)
Unlock & Upgrade Benefits	Unlock Benefits of Mass variant by spending INR 10,000 in 3 consecutive months	10000 per month
Fuel Benefit	1% Fuel Surcharge Waiver Min. transaction 400	48000	1%	Rs. 4000 spends per month
	Total	250000	5%

• Cashback Offer:
• 1- 2% cashback on all purchases in Paytm (Mall + Movies + Mini App) – capped at Rs.250 per month
  2- 1% cashback on all other Paytm spends – capped at Rs.250 per month
  3- 0.5% on all other retail spends (except EMI spends) – capped at Rs.250 per month
• Scenario 1: Suppose the merchant is spending Rs. 15000 per month in Paytm, Rs. 30000 on all other Paytm spends and Rs. 5000 on all other retail spends
• Total Cashback = 2% cashback on Rs. 15000 (i.e. Rs. 300, but product feature capped at Rs. 250) + 1% cashback on Rs. 30000 (i.e. Rs. 300, but product feature capped at Rs.250 ) + 0.5% cashback on Rs. 5000(i.e. Rs. 25) = Rs. 525. Hence, the total cashback will be Rs. 525 will be automatically credited as cashback directly to your card account till 30th April, 2022. From 1st May, 2022, Cashpoints can be redeemed by the customer against outstanding balance as cashback or can be used for redeeming against other categories such as Smartbuy (Flights/Hotels), Airmiles & Product Catalogue.

• Unlock Benefits of Mass Variant by spending Rs. 10,000 in 3 consecutive month
• Product Feature: The customer should spend a minimum amount of Rs. 10,000 per month (except EMI spends) for 3 consecutive months.
• Scenario 1: If the customer spends Rs. 11000 in first month, Rs 12000 in second month and Rs. 15000 in third month, then they can upgrade the existing digi card to mass variant card and avail the benefits of the mass variant card from the consequent month.
• Scenario 2: If the customer spends Rs. 11000 in first month, Rs 8000 in second month and Rs. 18000 in third month, then they cannot upgrade the existing digi card to mass variant card as they have not met the required criteria for 3 consecutive months.
• Scenario 3: If the customer spends Rs. 8000 in first month, Rs 6000 in second month and Rs. 9500 in third month, then they cannot upgrade the existing digi card to mass variant card as they have not met the required criteria for 3 consecutive months.

• Annual Fee Waiver Offer
• Min & Max Fee Waiver: Rs. 149 + GST (per month)
• Min & Max Transaction Limit: No Capping
• Min Amount Transaction/Month: Rs. 1000 (only on retail spends) in first 30 days
• Scenario 1: If the customer spends Rs. 1000 or more in first 30 days on the retail spends, then the first year fee of Rs. 149 + GST is waived off.
• Scenario 2: If the customer spends less than Rs. 1000 in first 30 days on the retail spends, then the first year fee of Rs. 149 + GST will not be waived off and shall be charged to the customer.
• Scenario 3: If the customer spends Rs. 25000 or more in the renewal year on the retail spends, then the renewal fee of Rs. 149 + GST is waived off.
• Scenario 4: If the customer spends less than Rs. 25000 in the renewal year on the retail spends, then the renewal fee of Rs. 149 + GST will not be waived off and shall be charged to the customer.

Paytm HDFC Bank Digital Credit Card is a credit card exclusive for Paytm customers. Paytm customers can get this card by applying for the card on Paytm app. Paytm is offering this card in partnership with HDFC Bank.

1. 2% Accelerated Cashback on Scan & Pay on Paytm App – Select Merchants only (capped at Rs. 250 per month)
2. 2% Cashback on accelerated categories – Swiggy & Uber (capped at Rs. 250 per month)
3. 1% cashback on all retail spends including spends on Paytm (capped at Rs. 500 per month)

1. For 2% Accelerated Cashback on Scan & Pay on Paytm App] – Cashback accrual capped at Rs.250 per calendar month.
2. For 2% Cashback on accelerated categories – Swiggy & Uber – Cashback accrual capped at Rs.250 per calendar month.
3. For 1% Cashback on all other spends including Paytm Spends (except EMI spends, Rental, Fuel, and Education Spends) – Cashback accrual capped at Rs.500 per month.

Cashback is accrued as Cashpoints in your card account, which can be redeemed post statement generation. Cashpoints can be redeemed as Cashback along with other redemption categories.

Cashpoints for a particular month will be received in the first week of the subsequent month.

Extended credit free period up to 50 days for all purchases is offered to the cardholder on Paytm HDFC Bank Digital Credit Card.

For Paytm HDFC Bank Digital Credit Card, Rs.149 is levied as annual charges.

For Paytm HDFC Bank Digital Credit Card, a cardholder is charged with an annual fee of Rs.149 (plus applicable taxes).

For Paytm HDFC Bank Digital Credit Card, first year membership fee can be waived off by spending Rs.1,000 (Non-EMI Spends) within first 30 days. Also, renewal year membership fee waived upon spending Rs.25,000 (Non-EMI Spends) in the 12 month- period.

The cardholder can enjoy cashback benefits upto Rs. 150 on the first 2 transactions done, whereby the minimum spends on each transaction to be Rs.250.

Cashpoints can be redeemed by the customer against outstanding balance as cashback or can be used for redeeming against other categories such as Smartbuy (Flights/Hotels), Airmiles & Product Catalogue.

No. The cashback is not applicable on wallet loads and fuel spends. Also, from 1st January 2023 onwards, no cashback will be given on rental and government spends

Users can do the KYC verification now remotely on a video call, this will be done via specialized banking staff.

No. Real time video call should happen in the process of video KYC verification

A cardholder needs to generate the PIN to activate Paytm HDFC Bank Digital Credit Card. Following ways can be used for activation

1. By using IVR - Call 1860 266 0333
2. By using Net Banking
3. By using Mobile Banking App
4. By using ATM

Please refer to this link for more information to generate PIN.

A cardholder is required to show the following documents for Paytm HDFC Bank Digital Credit Card

1. ID proof copy
2. Address proof copy
3. Passport size photograph

Please note that in case of any discrepancy, a cardholder might be asked for additional document. Certified copy of any Officially Valid Documents (OVD) may be accepted for opening new accounts (as Proof of Identity / Proof of Mailing Address),

1. iProof of possession1 of Aadhaar / printout of e-Aadhaar (not older than 30 days) / e-KYC (Biometric / OTP based)
2. Passport [not expired]
3. Permanent Driving license [not expired]
4. Election /Voter’s card issued by Election Commission of India
5. Job card issued by NREGA duly signed by an officer of the State Government
6. Letter issued by the National Population Register containing details of name & address

Yes. The flexible payment options of No cost EMI and Low-cost EMI can be availed by a cardholder on the credit card.

• For Paytm HDFC Bank Digital Credit Card, no cash withdrawal facility is allowed.

• Once the bill is generated, the credit card monthly statement is sent to the cardholder’s registered email address. A cardholder can also view and download the bill by logging into HDFC Bank website

A cardholder can pay the outstanding dues of credit card bill on HDFC Bank website or HDFC Bank MyCards App.

The interest rate of 3.6% is charged on the revolving balance of the credit card.

A cardholder should call HDFC Bank’s 24 Hours customer care to report the loss of the credit card and block the same. Please click on this link. Transaction dispute needs to be reported in writing within 60 days from the statement date in which the said transaction appears.

To know the different type of charges & fees on the credit card, please refer the MITC link in different languages.

Save upto 5% on your Business & Personal spends of Rs. 2,50,000 in a year with Paytm HDFC Bank Digital Credit Card
List	Benefits & Offers	Spends per year	Savings per year	Assumptions
Key Benefit	2% accelerated cashback on Scan & Pay (capped at Rs. 250 per month)	84000	2%	Rs. 7000 spends per month
	2% cashback on key accelerated categories – Swiggy & Uber (capped at Rs. 250 per month)	72000	2%	Rs. 6000 spends per month
	1% cashback on all retail spends including Paytm spends (capped at Rs. 500 per month)	42000	1%	Rs. 3500 spends per month (except EMI spends)
First Year Fee Benefit	First Year Fee waived off on spending INR 1,000 in first 30 days	1000 in the first month
Renewal Year Fee Benefit	Renewal Year Fee waived off on spending Rs.25,000 in a calendar year.		0.7%	Rs. 25000 spends in a year (Non EMI spends)
Fuel Benefit	1% Fuel Surcharge Waiver Min. transaction 400	48000	1%	Rs. 4000 spends per month
Benefit on Activation	Rs. 150 Cashback on doing on the first 2 transactions, whereby the minimum spends on each transaction to be Rs.250.	500		First 2 transactions of at least Rs.250 each
	Total	250000	5%

• Cashback Offer:
• 1- 2% accelerated cashback on Scan & Pay (capped at Rs. 250 per month)
  2- 2% cashback on key accelerated categories – Swiggy & Uber (Capped at Rs. 250 per month)
  3- 1% cashback on all retail spends including spends on Paytm (Capped at Rs. 500 per month)
• Scenario 1: Suppose the customer is spending Rs.6000 per month using the Scan & Pay feature on Paytm, Rs.5000 on Swiggy, Rs.4000 on Uber and spends worth Rs. 5500 on all other retail spends
• Total Cashback = 2% cashback from spends via Scan & Pay worth Rs.6000 (i.e. Rs. 250*) + 2% cashback from spends on Swiggy & Uber worth Rs. 9000 (i.e. Rs.180) + 1% cashback from other retail spends worth Rs. 5500(i.e. Rs. 55) = Rs. 485. Hence, the total cashback will be Rs. 485. Cashback will be accrued as cashpoints. These cashpoints can be redeemed by the customer against outstanding balance as cashback or can be used for redeeming against other categories such as Smartbuy (Flights/Hotels), Airmiles & Product Catalogue.
• *- Since cashback on Scan & Pay feature is capped at Rs.250 per month.

• First Year Fee Waiver Offer
• Min & Max Fee Waiver: Rs. 149 + GST
• Min & Max Transaction Limit: No Capping
• Min Amount Transaction in the First Month: Rs. 1,000 (only on retail spends & except EMI spends)
• Scenario 1: If the customer spends Rs. 1,000 or more in the first 30 days on the retail spends,then the monthly fee of Rs. 149 + GST is waived off.
• Scenario 2: If the customer spends less than Rs. 1,000 in a year on retail spends, then the yearly fee of Rs. 149 + GST is charged to the customer.

• Renewal Year Fee Waiver Offer
• Min & Max Fee Waiver: Rs. 149 + GST
• Min & Max Transaction Limit: No Capping
• Min Amount Transaction/Year: Rs. 25000 (only on retail spends & except EMI spends)
• Scenario 1: If the customer spends Rs. 2500 or more in the 12-month period on retail spends,then the yearly fee of Rs. 149 + GST is waived off.
• Scenario 2: If the customer spends less than Rs. 25000 in a year on retail spends, then the yearly fee of Rs. 149 + GST is charged to the customer.