Paytm SBI Card
SBI Card
Annual / renewal fee
₹499.
VerifiedMost Important Terms & Conditions (MITC) – Common to all SBI Cards18 Aug 2026, 11:36 AM ISTSBI Card
Earn rate
- 5% Valueback on Travel, Movies and Mall purchases through Paytm App (SELECT).
- 3% on Travel, Movies and Mall through Paytm App (base Paytm SBI Card).
- 2% Valueback on all other purchases through Paytm App.
- 1% Valueback everywhere else.
- All UPI transactions accrue 1% Valueback.
- Min transaction size ₹100 each.
VerifiedPaytm SBI Card – Terms & Conditions Booklet18 Aug 2026, 11:36 AM ISTSBI Card
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 sbicard.com — 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 sbicard.com — if a different card is shown first, use its card selector to pick this one.
Overview
Paytm SBI Card by SBI Card. Facts on this page are extracted and verified automatically from official issuer documents.
Fees
Annual / renewal fee
₹499.
VerifiedMost Important Terms & Conditions (MITC) – Common to all SBI Cards18 Aug 2026, 11:36 AM ISTSBI Card
Fee waiver
Renewal fee ₹499 (no spend-based waiver stated for Paytm SBI Card).
VerifiedPaytm SBI Card product page18 Aug 2026, 11:36 AM ISTSBI Card
Renewal fee
₹499 (no spend-based waiver stated for base Paytm SBI Card).
VerifiedMost Important Terms & Conditions (MITC) – Common to all SBI Cards18 Aug 2026, 11:36 AM ISTSBI Card
Rewards
- 5% Valueback on Travel, Movies and Mall purchases through Paytm App (SELECT).
- 3% on Travel, Movies and Mall through Paytm App (base Paytm SBI Card).
- 2% Valueback on all other purchases through Paytm App.
- 1% Valueback everywhere else.
- All UPI transactions accrue 1% Valueback.
- Min transaction size ₹100 each.
VerifiedPaytm SBI Card – Terms & Conditions Booklet18 Aug 2026, 11:36 AM IST
Reward cap
Valueback (Reward Points) earned only on minimum transaction size of ₹100 each.
VerifiedPaytm SBI Card – Terms & Conditions Booklet18 Aug 2026, 11:36 AM ISTSBI Card
Reward exclusion
VerifiedPaytm SBI Card – Terms & Conditions Booklet18 Aug 2026, 11:36 AM ISTSBI Card
Travel & lounge
Lounge access
Confirm on the official page
Official source not yet captured
Dining, golf, concierge, insurance, milestones & welcome
Welcome benefit
- Complimentary Super Saver Membership (Paytm First Membership) provided upon card activation i.e. post first settled retail transaction on cardholder account.
- Awarded within 30 working days of first transaction settlement.
- Membership valid 12 months from date of activation.
- (No welcome cashback for base Paytm SBI Card; the ₹750 Valueback welcome benefit applies only to Paytm SBI Card SELECT.).
VerifiedPaytm SBI Card – Terms & Conditions Booklet18 Aug 2026, 11:36 AM ISTSBI Card
Insurance
- Cyber Fraud Insurance: Paytm SBI Card Cardholders are covered up to ₹1,00,000 of financial loss incurred due to fraudulent usage of the Credit Card.
- Insured by Oriental Insurance Company Ltd.
- Only chip & pin based cards covered.
- Claims to be reported within 45 days from fraud transaction date.
VerifiedPaytm SBI Card – Terms & Conditions Booklet18 Aug 2026, 11:36 AM ISTSBI Card
Milestone benefit
Paytm SBI Cardholders are eligible for a complimentary Super Saver (Paytm First) Membership on renewal on achieving annual milestone retail spends of ₹1 Lakh.
VerifiedPaytm SBI Card – Terms & Conditions Booklet18 Aug 2026, 11:36 AM ISTSBI Card
Eligibility
Eligibility
- Salaried segment age 21-65 years.
- Self-employed age 25-70 years.
- Credit Cards issued at sole discretion of SBI Card subject to credit evaluation and KYC guidelines.
- Add-on cards may be issued to spouse, parents, siblings and children over 18 years of age.
Verifiedharvested from product page18 Aug 2026, 11:36 AM ISTSBI Card
Charges & interest
Forex markup
- Foreign Currency Transaction Fee: 3.5% (Paytm SBI Card is not among the exception cards).
- Dynamic Currency Conversion Fee: 3.5% on transactions greater than or equal to ₹1,000 carried out in Indian Currency at an international location or at merchants located in India but registered overseas.
- Not reversed on refunds.
VerifiedMost Important Terms & Conditions (MITC) – Common to all SBI Cards18 Aug 2026, 11:36 AM ISTSBI Card
Charge
- Finance Charges: up to 3.75% per month (45% p.a.) from transaction date.
- Minimum finance charge ₹25.
- Cash Advance Fee: 2.5% or ₹500 whichever higher, at domestic and international ATMs.
- Cash Payment Fee (at SBI branches): ₹250 + taxes.
- Late Payment Charges: Nil up to ₹100.
- ₹100 (>₹100-₹500).
- ₹500 (>₹500-₹1,000).
- ₹750 (>₹1,000-₹10,000).
- ₹950 (>₹10,000-₹25,000).
- ₹1,100 (>₹25,000-₹50,000).
- ₹1,300 (>₹50,000).
- Plus additional ₹100 on missing MAD for two consecutive cycles.
- Over Limit Fee: 2.5% of overlimit amount or ₹600 whichever higher.
- Payment Dishonour Fee: 2% of payment amount, minimum ₹500.
- Card Replacement Fee: ₹100-₹250.
- Cheque Payment Fee: ₹200.
- Dynamic Currency Conversion Fee: 3.5%.
- Rewards Redemption Fee: ₹99.
- Processing Fee on Rent Payment Transactions (MCC 6513): ₹199.
- Utility Payments Fee: w.e.f. 1st Dec 2024, 1% of total utility payments if total exceeds ₹50,000 in a billing cycle.
- Fee on Education Payments via third-party apps: w.e.f. 1st Nov 2025, 1% of transaction amount.
- Fee on Wallet Load: w.e.f. 1st Nov 2025, 1% of transaction amount on every wallet load exceeding ₹1,000.
VerifiedMost Important Terms & Conditions (MITC) – Common to all SBI Cards18 Aug 2026, 11:36 AM ISTSBI Card
Fuel surcharge waiver
- 1% Fuel Surcharge waiver for each transaction between ₹500 and ₹3,000.
- Maximum surcharge waiver of ₹100 per statement cycle, per credit card account.
- Applicable for MCCs 5172, 5541, 5983.
VerifiedPaytm SBI Card – Terms & Conditions Booklet18 Aug 2026, 11:36 AM ISTSBI Card
Interest-free period
- Interest free credit period could range from 20 to 50 days, subject to submission of claims by the merchant.
- Applicable only on retail purchases and if previous month's outstanding balance is paid in full.
- Suspended if any balance of previous month's bill is outstanding.
VerifiedMost Important Terms & Conditions (MITC) – Common to all SBI Cards18 Aug 2026, 11:36 AM ISTSBI Card
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 SBI Card?
Officially traced: Rs. 499.
Most Important Terms & Conditions (MITC) – Common to all SBI CardsHow does the Paytm SBI Card earn rewards?
5% Valueback on Travel, Movies and Mall purchases through Paytm App (SELECT); 3% on Travel, Movies and Mall through Paytm App (base Paytm SBI Card); 2% Valueback on all other purchases through Paytm App; 1% Valueback everywhere else.
Paytm SBI Card – Terms & Conditions BookletWhat welcome benefit does the Paytm SBI Card offer?
Complimentary Super Saver Membership (Paytm First Membership) provided upon card activation i.e. post first settled retail transaction on cardholder account; awarded within 30 working days of first transaction settlement.
Paytm SBI Card – Terms & Conditions BookletWhat are the transfer ratios for Paytm SBI 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 SBI 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.sbicard.com/en/personal/credit-cards/paytm-sbi-card.html.
VerifiedPaytm SBI Card product page18 Aug 2026, 11:36 AM ISTSBI Card
Verified 2026-08-18 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.
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