Our Money Guide
Paytm HDFC Bank Credit Card

Pros and Cons of Paytm HDFC Bank Credit Card

Pros

  • Good card for Paytm users, you get good cashback on various Paytm spends
  • Low annual card spend requirement of ₹50,000, to waive annual fee from 2nd year onwards

Cons

  • Not a good card for other major spends like shopping, travel, fuel etc.

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Cashback Rates 1% – 5%

1% – 5%

1.5% – 5%

2% – 5%

Other benefits Fuel Surcharge WaiverFuel Surcharge WaiverFuel Surcharge WaiverFuel Surcharge Waiver
Annual Fee ₹1,000 + Applicable Taxes

No Annual Fees

₹500

₹499

Annual Fee Offers Annual Fee Reversal on meeting ₹1,00,000 spends

Annual fee waived off on annual spends greater than ₹. 2,00,000.

Annual fee waived off on annual spends greater than ₹. 2,00,000.

Minimum Income Not Specified

Not Specified

Not Specified

Not Specified

Features & Benefits of Paytm HDFC Bank Credit Card

3% cashback on various spends at Paytm : Prepaid recharges || Utility bill payments || Movie tickets || Mini App – on spends upto ₹16,666 per month

2% cashback on all other select Paytm spends – on spends upto ₹25000 per month

You earn 2 cashpoints worth ₹2, on every ₹100 you spend in these categories.

This benefit is applicable on spends upto ₹25,000 per month, since maximum cashback at this special rate is restricted to ₹500 per month.

1 cashpoint = ₹1, and can be redeemed as cashback against your card statement.

1% cashback on all other spends – on spends upto ₹1 lakh per month

You earn 1 cashpoint worth ₹1, on every ₹100 you spend on all other card transactions.

This benefit is applicable on card spends upto ₹1 lakh per month, since maximum cashback is restricted to ₹1,000 per month.

Please note that cashback is not given on wallet loads, fuel spends, EMI spends, rental spends and government spends.

1 cashpoint = ₹1, and can be redeemed as cashback against your card statement.

Milestone benefit – additional benefit of upto 1%

Fuel surcharge waiver upto ₹250 per month

HDFC Bank customer care number

Zero lost card liability

Paytm HDFC Bank Credit Card Fees and Charges

Annual fee & annual fee offers

Annual feeAnnual fee offers
1st year joining fee₹500Welcome offers
– 1st year annual fee waived at ₹30,000 non-EMI card spend, within 90 days of card issuance
– Complimentary Paytm First membership
Renewal fee from 2nd year onwards₹500Renewal offer : Annual fee is not charged from the second year onwards , if you spend ₹50,000 or more in the previous year.

Important Note

– GST/ other applicable taxes as per current laws, will be applicable on all fees and charges
– To view all/updated fees & charges on this card, please click here – HDFC Bank Credit Card Fees & Charges

Eligibility Criteria

Although your credit card eligibility is based on multiple parameters which can be assessed once you apply for an HDFC Credit Card, there are certain basic criteria that all applicants must fulfil. 

Minimum age21 years
Maximum ageSalaried – 60 years
Self employed – 65 years
Occupation Salaried or self employed
Minimum income requirementStable source of income, not specified
Credit scoreNot specified, credit score of 750 or more is generally preferred

How To Apply & Track Your Application Status?

Step-by-step guide –

Online application process 
The easiest way is to click here – APPLY NOW , you will be taken to the card application page on the HDFC Bank website. You can also visit official website of the bank and fill out the application form.

Steps :
– The bank’s website and mobile app offer a user-friendly interface that makes the application process quick and easy.
– To apply, simply provide your personal details, such as your mobile phone number, income, and PAN number, along with the required documents.
– Submit your application
Offline (face to face)  application processYou can visit any of the nearest branches of the bank and talk to an executive regarding the process.
Whatsapp BankingYou can also apply for your card through HDFC Whatsapp Banking. Here are the steps to apply for an HDFC credit card through WhatsApp banking:

1. Save the Chat Banking number 7070022222 (HDFC Bank WhatsApp number) in your contacts
2. Send “Hi” 
3. Choose the desired option OR simply type your query, for example – “Apply for Credit Card”
4. Apply and wait for further instructions or updates on your card application status.
Tracking your application statusClick here to track the status of your HDFC Bank Credit Card application.

You can also check the status of your application through Chat with EVA. Simply ask the chatbot to help you track your credit card applications and follow its instructions.

Necessary documents –

Required documents 
– PAN card copy
– Identity proof : PAN card , driving license, valid passport, voter ID (any one)
– Address proof : electricity bill, phone bill, driving licence, passport, ration card, bank statement, passbook, voters ID, flat maintenance bill, rent agreement (any one)
– Income proof : latest salary slip/s, income tax returns

You maybe required to provide additional documents, on a case-to-case basis.
Apply Now

on HDFC Bank website

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