Paytm HDFC Bank Select Business Credit Card
HDFC Bank
Annual / renewal fee
₹1,000 (plus applicable taxes), charged after 90 days of issuance only if the cardholder has not activated the credit card.
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Earn rate
- 5% Cashback on Paytm (Recharge + Utility + Movies + Mini App + Travel), capped ₹1,500 per calendar month.
- 3% Cashback on accelerated categories (Swiggy, AJIO, Big Basket & Uber), capped ₹500 per calendar month.
- 1% Cashback on all other spends (except EMI, Rental, Fuel, Education spends), capped ₹2,000 per calendar month.
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This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at hdfc.bank.in — if a different card is shown first, use its card selector to pick this one.
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at hdfc.bank.in — if a different card is shown first, use its card selector to pick this one.
Overview
Paytm HDFC Bank Select Business Credit Card by HDFC Bank. Facts on this page are extracted and verified automatically from official issuer documents.
Fees
Joining fee
₹1000 plus applicable taxes (levied after 90 days of issuance only if the card is not activated).
VerifiedPaytm HDFC Bank Select Business Credit Card product page5 Aug 2026, 1:45 AM ISTHDFC Bank
Annual / renewal fee
₹1,000 (plus applicable taxes), charged after 90 days of issuance only if the cardholder has not activated the credit card.
Verifiedharvested from product page5 Aug 2026, 1:45 AM ISTHDFC Bank
Fee waiver
- First Year Membership fee waived on spending ₹60,000 (Non-EMI Spends) within the first 90 days.
- Renewal fee waived on spending ₹1,00,000 (Non-EMI Spends) in a 12-month period.
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Rewards
- 5% Cashback on Paytm (Recharge + Utility + Movies + Mini App + Travel), capped ₹1,500 per calendar month.
- 3% Cashback on accelerated categories (Swiggy, AJIO, Big Basket & Uber), capped ₹500 per calendar month.
- 1% Cashback on all other spends (except EMI, Rental, Fuel, Education spends), capped ₹2,000 per calendar month.
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Travel & lounge
Lounge access
- Up to 8 complimentary domestic airport lounge visits within India in a calendar year using the Visa credit card.
- Visits exceeding the complimentary quota allowed at the discretion of the lounge and chargeable by the lounge.
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Dining, golf, concierge, insurance, milestones & welcome
Welcome benefit
- ₹500 worth Gift Voucher on card activation with minimum 4 transactions (min ₹100 each) in the first 30 days.
- Plus free Paytm First Membership activated on minimum one transaction of ₹100 within one year of card issuance.
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Dining benefit
Complimentary Paytm First membership (premium subscription-based rewards & loyalty program), activated within 15 working days upon minimum one transaction of ₹100 within one year of card issuance.
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Insurance
Lost Card Liability cover of ₹3 Lakhs (available on fraudulent transactions if reported immediately to HDFC Bank's 24-hour Call Centre).
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Milestone benefit
₹1,000 worth Gift Voucher on annual spends of ₹2 Lakhs (Non-EMI and Non-Rental Spends).
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Eligibility
Eligibility
- Exclusive for Paytm customers.
- Applied for on the Paytm app.
- Offered in partnership with HDFC Bank.
- Cannot avail cash withdrawal restrictions vary.
- Documents required: ID proof, Address proof, Passport size photograph (or OVD such as Aadhaar/Passport/Driving Licence/Voter ID/NREGA job card/NPR letter).
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Charges & interest
Forex markup
Foreign Currency Transactions markup: 2% of transaction value (currency conversion rate as on settlement date applicable).
VerifiedMITC – Paytm HDFC Bank Select Business Credit Card (Card-Specific)5 Aug 2026, 1:45 AM ISTHDFC Bank
Charge
- Cash advance fee: 2.5% or ₹500 whichever is higher.
- Charges on overlimit account: 2.5% of overlimit amount, minimum ₹550.
- Payment Return Charges: 2% of payment amount, minimum ₹450.
- Cash Processing Fee: ₹100.
- Rewards Redemption Fee: ₹99 per redemption request.
- Balance Transfer Processing: 1% of BT amount or ₹250 whichever higher.
- Duplicate physical statement: ₹10.
- Card Validation charges: ₹2.
- Reissue of Lost/Stolen/Damaged Card: ₹100.
- Dynamic currency conversion Markup Fee: 1% (w.e.f 1st January 2023) on transactions in INR at international location/overseas-registered merchants.
- Add-on Card Fee: Lifetime Free.
- Rent Pay: 1% capped ₹3000 per txn (w.e.f 1st August 2024).
- Fuel charges: 1% on business card fuel txn exceeding ₹30,000 capped ₹3000.
- Utility charges: 1% on business card utility txn exceeding ₹75,000 capped ₹3000 (w.e.f 1st August 2024).
- Education charges: 1% on third-party app education txn capped ₹3000 (w.e.f 1st August 2024).
- Outstation Cheque Processing: ₹25 up to ₹5,000 / ₹50 above ₹5,000.
- Late Fees for Insta Jumbo loans: ₹500 plus GST.
- Late Payment Charges slabs: Nil up to ₹100, ₹100 (₹101-500), ₹500 (₹501-1,000), ₹600 (₹1,001-5,000), ₹750 (₹5,001-10,000), ₹900 (₹10,001-25,000), ₹1100 (₹25,001-50,000), ₹1300 (over ₹50,000).
VerifiedMITC – Paytm HDFC Bank Select Business Credit Card (Card-Specific)5 Aug 2026, 1:45 AM ISTHDFC Bank
Fuel surcharge waiver
1% Fuel Surcharge waiver on fuel transactions (Minimum transaction of ₹400, Maximum transaction of ₹5,000 & Maximum Cashback of ₹250 per statement cycle).
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Interest-free period
Extended interest free credit period up to 50 days for all purchases.
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Transfers
Not published in the official documents on file — see the official T&C link below.
Common questions
What is the annual fee on the Paytm HDFC Bank Select Business Credit Card?
Officially traced: Rs. 1,000 (plus applicable taxes), charged after 90 days of issuance only if the cardholder has not activated the credit card.
harvested from product pageWhat is the joining fee on the Paytm HDFC Bank Select Business Credit Card?
Officially traced: Rs. 1000 plus applicable taxes (levied after 90 days of issuance only if the card is not activated).
Paytm HDFC Bank Select Business Credit Card product pageIs the Paytm HDFC Bank Select Business Credit Card annual fee ever waived?
First Year Membership fee waived on spending Rs. 60,000 (Non-EMI Spends) within the first 90 days.
harvested from product pageHow does the Paytm HDFC Bank Select Business Credit Card earn rewards?
5% Cashback on Paytm (Recharge + Utility + Movies + Mini App + Travel), capped Rs. 1,500 per calendar month.
harvested from product pageWhat lounge access does the Paytm HDFC Bank Select Business Credit Card include?
Up to 8 complimentary domestic airport lounge visits within India in a calendar year using the Visa credit card.
harvested from product pageWhat welcome benefit does the Paytm HDFC Bank Select Business Credit Card offer?
Rs. 500 worth Gift Voucher on card activation with minimum 4 transactions (min Rs. 100 each) in the first 30 days.
harvested from product pageWhat are the transfer ratios for Paytm HDFC Bank Select Business Credit Card points?
Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.
What is one point on the Paytm HDFC Bank Select Business Credit Card worth?
Point value varies by award, route and partner programme, so this page does not publish a rupees-per-point figure.
Other verified details
Not published in the official documents on file — see the official T&C link below.
Official documents & verification
Official terms
https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/indian-oil-hdfc-bank-credit-card/part-i-key-fact-statement-cum-most-important-terms-and-conditions-for-credit-cards.pdf.
VerifiedPaytm HDFC Bank Select Business Credit Card (fleet document) — governing document (side-door search)15 Aug 2026, 11:10 AM ISTHDFC Bank
Verified 2026-08-15 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.