HDFC Bank Paytm Credit Card

Annual feeJoining fee

₹500 + GST

Fee waiver rule

First Year Fee waived upon spending ₹30,000 (non-EMI spends) within the first 90 days; Renewal Year Fee waived upon spending ₹50,000 (non-EMI spends) in the 12 months period

Add-on card fee

₹0

Reward rate

1% cashback · everyday spends1% cashback on all other retail transactions, 3% on Paytm purchases (recharge, utility payments, movies, Mini App) and 2% on all other Paytm spends.

EMI spend earning

CashBack is not applicable for EMI spends

Fuel earning

CashBack is not applicable for fuel spends

Government spend earning

CashBack is not applicable for government spends

Groceries earning

CashBack earned on Grocery Spends is capped at ₹1000 cashpoints per month.

Rent earning

CashBack is not applicable for rental spends

Utilities earning

3% CashBack on all purchase across Paytm (recharge, utility payments, movies, Mini App), Max. Cap per Calendar Month 500 Cashpoints

Reward exclusions

CashBack is not applicable for wallet loads, fuel spends, EMI spends, rental spends and government spends

Reward caps

Redemption of Travel CashBack Points will be capped at 50,000 points per month.

Cashback redemption

CashBack redemption is capped at 3000 points per month, effective 1st February 2023

Statement-credit redemption

CashBack will be credited in the form of CashPoints, which can be redeemed by the customer against their statement balance.

Voucher and product redemption

Redeem upto 70% of product/Voucher value through Reward Points /CashPoints on select vouchers/products

Point expiry

Reward Points /CashPoints are valid only for 2 years

Fuel surcharge waiver

1% fuel surcharge waiver at all fuel stations across India - (Minimum transaction of ₹400, Maximum cashpoints of ₹250 per statement cycle)

Surcharge on railway tickets

Railway Ticket Purchase Fee: 1%.

Lost card liability

Zero Cost Card Liability: Available on any fraudulent transactions made on your Credit Card if reported immediately to HDFC Bank's 24-hour Call Centre.

Balance transfer terms

1% of BT amount or ₹250, whichever is higher.

Purchase to EMI conversion

Ability to convert large transactions to a SmartEMI after purchase.

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 % will be levied on all transactions carried out in Indian Currency at an international location or at merchants which are located in India but registered overseas

Cash advance fee

2.5% of the withdrawn amount or a minimum of ₹500 (whichever is higher)

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 from the date of purchase

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 (reissue of lost, stolen or damaged card)

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.; fee capped at ₹4999 per transaction. Education transactions done directly through college / school websites or through POS machines at their premises will not be charged; international Education transactions will not be charged.

EMI conversion fee

Smart EMI processing fee upto ₹849 (exclusive of GST for all loan amounts), depending on the customer’s eligibility/offer details; EasyEMI processing fee: an EMI processing fee of upto ₹299 for customers availing EMI facility at merchant

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

Foreign ATM fee

Cash from ATMs in India or abroad: transaction fee of 2.5% or ₹500, whichever is higher, levied on the amount withdrawn and billed in the next statement.

Reward redemption fee

₹99 Per redemption request; Cashback Redemption Charges: ₹50 per cashback redemption.

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), applied on the total transacted amount; fee capped at ₹4999 per transaction.

Rent transaction fee

1% fee on transaction amount will be levied 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), applied on the total utility spends in a 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

Total GST + EMI amount + 100% of Fees/Charges + 5% of (Finance Charge + Retail Spends + Cash Advance); if that 5% is less than the Finance Charge, 100% of Finance Charges + 5% of (Retail Spends + Cash Advance); plus Overlimit Amount (if any)

Age the primary cardholder must be

Salaried: Minimum: 21 years, Maximum: 60 years; Self-Employed: Minimum: 21 years, Maximum: 65 years

Income requirement

Salaried: Net Monthly Income > ₹25,000; Self-Employed: Annual ITR > ₹6 lakh.

Income, salaried

Net Monthly Income > ₹25,000.

Income, self-employed

Annual ITR > ₹6 lakh.

Minimum age

Minimum: 21 years

Documents required

Identity Proof: Passport, Aadhaar card, Voter ID, Driving licence, PAN card, Passport size photographs; Address Proof: Utility bills, Rental agreement, Passport, Aadhaar card, Voter ID; Income Proof: Salary slips, ITR, Form 16, Bank statements.

Residency

Nationality: Indian nationals