Paytm HDFC Bank Business Credit Card

Annual feeJoining fee

₹500 + GST

Fee waiver rule

First-year fee waiver after spending ₹30,000 (non-EMI) in the first 90 days. Renewal fee waived upon spending ₹50,000 (Non-EMI spends) in 12 months

Add-on card fee

₹0

Welcome benefit

₹250 worth Gift Voucher upon card activation with 2 transactions in first 30 days.

Reward rate

1% cashback · everyday spends1% CashPoints on all other Retail Spends.

EMI spend earning

CashPoints are not applicable for EMI spends

Fuel earning

CashPoints are not applicable for fuel spends

Government spend earning

Government related transactions will not earn Reward Points/CashPoints on all the cards except BizBlack Metal Card, BizPower, BizGrow, Micro Enterprise Card, BizFirst, GIGA Business, Business Regalia, Business Regalia first, Business Money back, CSC small business moneyback, Paytm Business.

Groceries earning

Capped at 1000 CashPoints per month.

Online earning

3% CashPoints on purchases on Paytm [Recharge + Utility + Movies + Mini App] Max. Cap per Calendar Month — ₹500

Rent earning

No CashBack will be given on rental payments.

Utilities earning

3% CashPoints on Paytm spends (Recharge, Utility, Movies & Mini App)

Reward exclusions

CashPoints are not applicable for wallet loads, fuel spends, EMI spends, rental spends and education spends

Reward caps

3% capped at ₹500 per calendar month; 2% capped at ₹500 per calendar month; 1% capped at ₹1000 per month.

Cashback redemption

Overall CashBack redemption capped at 3000 points per month.

Redeeming points for travel

Redemption of Travel Reward Points capped at 50,000 points per month.

Point expiry

Reward Points /CashPoints are valid only for 2 years

Dining programme

Upto 20% discount* on partner restaurants via Dineout

Milestone benefits

₹500 worth Gift Voucher on spends of ₹1 lakh in a year (Non-EMI, Non-Wallet and Non-Rental Spends); This offer is only applicable for 1 year of card issuance

Priority Pass

Not offered for Business Credit Card (Priority Pass Lounge Charges apply only for Regalia / Regalia Activ / Doctor's Regalia / Regalia Gold / Tata Neu Infinity / Business Regalia / BizPower)

Fuel surcharge waiver

1% Fuel Surcharge Waiver

Surcharge on railway tickets

Railway Ticket Purchase Fee: 1%.

Lost card liability

The cardmember is wholly liable for all transactions prior to reporting the loss of the card; after the bank receives proper notification of the loss, the cardmember's subsequent liability is zero.

Balance transfer terms

₹250 or 1% of the transfer amount, whichever is higher, along with applicable taxes

Forex markup

3.5% on foreign currency transactions.3.50% of transaction value

Dynamic currency conversion markup

With effect from 15th May 2026, a markup fee of 1.75% is levied on all transactions carried out in Indian Currency at an international location or at merchants located in India but registered overseas

Cash advance fee

2.5% of the transaction value, or a minimum of ₹500, whichever is more

Cash advance interest

All cash advances also carry a finance charge equal to charges on revolving credit, from the date of withdrawal until the date of full payment

Cash withdrawal limit

Cash withdrawal limit: 40% of the Credit Limit.

Interest on unpaid balance

3.75% Monthly / 45.0% Annually.

Interest-free period

Up to 50 days of interest free credit

Late payment fee

₹100 or less: Nil; ₹101 to ₹500: ₹100; ₹501 to ₹1,000: ₹500; ₹1,001 to ₹5,000: ₹600; ₹5,001 to ₹10,000: ₹750; ₹10,001 to ₹25,000: ₹900; ₹25,001 to ₹50,000: ₹1,100; more than ₹50,000: ₹1,300 (excl. GST)

Over-limit fee

Over-limit charge of 2.5% of the overlimit amount, subject to a minimum of ₹550, applicable on total outstanding exceeding the credit limit, basis explicit consent

Payment return or dishonour fee

2% of Payment amount subject to minimum of ₹450 (applicable for cheque payment return or unsuccessful payment attempt through Autopay facility)

Statement or duplicate statement fee

Duplicate physical statement charges: ₹10 per duplicate physical statement.

Card replacement fee

₹199 for non-metal cards; ₹3,500 for metal cards.

Cash payment / cash deposit fee

₹100 for all card payments made by depositing in HDFC Bank branches or ATMs.

Education / school fee charge

1% fee on education transactions done through third party applications like (but not limited to) CRED, Nobroker, Cheq etc., capped at ₹4999 per transaction; education transactions done directly through college / school websites or through POS machines at their premises, and international education transactions, will not be charged.

Fee on online skill-based gaming spends

From 1st July 2025, 1% fee on online skill-based gaming spends exceeding ₹10,000 in a calendar month; fee applied on the total online skill-based gaming spends in the calendar month; fee capped at ₹4999 per month

Reward redemption fee

A fee of ₹99, plus taxes, for every redemption request; cashback redemption fee is ₹50

Wallet load charge

From 1st July 2025, 1% fee on wallet loading spends (excl PayZapp) exceeding ₹10,000 in a calendar month; fee applied on the total wallet loading spends in the calendar month; fee capped at ₹4999 per month

Fuel transaction fee

1% fee on fuel transactions exceeding ₹15,000 for consumer cards (₹30,000 for business cards); fee applied on the total transacted amount; fee capped at ₹4999 per transaction.

Rent transaction fee

From 1st July 2025, 1% fee on transaction amount on rental transactions done on any applicable merchant for the month; fee capped at ₹4999 per transaction

Utility transaction fee

1% fee on utility spends exceeding ₹50,000 per calendar month for consumer cards (₹75,000 per calendar month for business cards); fee applied on the total utility spends in the calendar month; fee capped at ₹4999 per month.

GST note

Goods & Services Tax (GST) is applicable on all Fees, Charges and Interest transactions

Minimum amount due

MAD = Total GST + EMI amount + 100% of Fees/Charges + Over-limit Amount (if any) + 5% of (Finance Charge + Retail Spends + Cash Advance) where that 5% is higher than the Finance Charge; where it is less, 100% of Finance Charges + 5% of (Retail Spends + Cash Advance) instead. MAD at or below ₹200 is charged as ₹200; if Total Amount Due is ₹200 or lower, MAD equals it.