HDFC Bank Paytm Digital Credit Card

Annual feeJoining fee

₹149 + GST

Fee waiver rule

Spend ₹1,000* within 40 days for a first-year fee waiver and ₹25,000 over 12 months for a renewal fee waiver

Add-on card fee

₹0

Welcome benefit

Cashback up to ₹150 on first 2 transactions (minimum spend ₹250 each)

Reward rate

1% cashback · everyday spends1% CashBack on all retail purchases, including Paytm transactions (Capped at ₹500 per month)

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

Online earning

2% CashBack on select merchants when you use the Scan & Pay feature on the Paytm app (capped at ₹250 per month); 2% CashBack on your Swiggy and Uber spends (capped at ₹250 per month)

Rent earning

CashBack is not applicable for rental spends

Reward exclusions

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

Reward caps

CashBack on Grocery Spends capped at ₹1,000 cashpoints per month.

Cashback redemption

Capped at 3,000 reward points per calendar month.

Catalogue redemption

70% points plus 30% minimum pay system for redemption of points on select categories only

Redeeming points for travel

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

Statement-credit redemption

CashPoints can be redeemed against statement balance.

Point expiry

Reward Points/CashPoints are valid only for 2 years from the date of accumulation

Renewal benefit

Renewal fee waived off by spending ₹25,000 within 12 months

Fuel surcharge waiver

1% fuel surcharge waiver at fuel stations across India.

Surcharge on railway tickets

1% of the transaction amount + GST on Railway Ticket Purchases

Lost card liability

Zero liability on fraudulent transactions on lost card once reported to 24/7 call centre.

Balance transfer terms

Balance Transfer Processing Charges: 1% of BT amount or ₹250, whichever is higher.

Purchase to EMI conversion

No-cost and low-cost EMI options; the Smart EMI facility is not available.

Forex markup

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

Dynamic currency conversion markup

Markup fee of 1.75% 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

Not Applicable for Paytm HDFC Bank Digital Credit Card as cash withdrawal is not allowed

Interest on unpaid balance

3.75% Monthly / 45.0% Annually (excluding GST)

Interest-free period

Up to 50 days of interest-free credit

Late payment fee

Nil to ₹1,300 (excl. GST), by bill amount

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

Cash Processing 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 CRED, Nobroker, Cheq etc.; fee capped at ₹4999 per transaction.

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

1% fee on Online Skill based gaming spends exceeding ₹10,000 in a calendar month; fee capped at ₹4999 per month.

Reward redemption fee

Processing fee of ₹99 + GST for each catalogue redemption request; a redemption request may contain one or multiple items/products redeemed together, and processing fee is charged once per request

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

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

Age: 21 - 60 years.

Income requirement

Salaried: Income (monthly) — ₹25,000; Self-Employed: Annual ITR > ₹6,00,000.

Income, salaried

Salaried: Income (monthly) — ₹25,000.

Income, self-employed

Annual ITR > ₹6,00,000

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

Indian