- Joining fee
₹149 + GST
- Annual fee
₹149 + GST
- Best suited for
Shopping
- Reward type
Cashback
Rewards
- Rewards rate
2% cashback on Paytm mall, movies & Mini app, 1% cashback on other spends on Paytm app, and 0.5% cashback on all other spends.
- Reward redemption
Redeem your Cashpoints as Cashback along with other redemption options.Re.1 Cashpoint =Re.1 Cashback for redemption against the statement balance. Re.1 Cashpoint = Re.0.3 for redemption against travel benefits like Flight & Hotel bookings and Rewards Catalogue at the SmartBuy Rewards Portal.
Benefits
- Movie & dining
Up to 20% discount on partner restaurants via Dineout.
Fees & charges
- Spend-based waiver
Annual Fee Waiver on Spends of ₹25,000
- Rewards redemption fee
Nil
- Foreign currency markup
3.5% on all foreign currency transactions
- Interest rates
3.75% per month (45% annually)
- Fuel surcharge waiver
1% fuel surcharge waiver capped at Rs. 250 per month.
- Cash advance charges
2.5% of the transacted amount subject to a minimum of Rs. 500.
Product highlights
- A cashback of 1%-2% on your spends on the Paytm app.
- An assured cashback of 0.5% on all other retail spends.
- Get all the exclusive benefits of the Paytm HDFC Credit Card when you reach the milestone spend.
- Spend-based waiver of the annual membership fee.
- 1% fuel surcharge waiver on all transactions above Rs. 250.
FAQs
What is the annual fee of the Paytm HDFC Bank Mobile Credit Card?
The Paytm HDFC Bank Mobile Credit Card doesn’t charge an annual fee but charges a monthly membership fee of ₹149 + GST.
What is the reward rate for transactions made outside the Paytm app?
The Paytm HDFC Bank Mobile Credit Card earns you a cashback of 0.5% on all retail transactions outside the Paytm app, i.e, the reward rate is 0.5% for such transactions.
What is the foreign currency markup fee on this card?
The foreign currency markup fee on the Paytm HDFC Bank Mobile Credit Card is 3.5% on all international transactions.
Can I use the cashback against my outstanding balance?
Yes, Cashpoints can also 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.Re.1 Cashpoint =Re.1 Cashback for redemption against the statement balance.