Paytm HDFC Bank Mobile Credit Card
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HDFC Bank

Paytm HDFC Bank Mobile Credit Card

Visa
Co-branded

Your rating

Community rating

Best for Paytm users — cashback on Paytm bill payments, recharges, movies

Joining Fee

₹149

Annual Fee

₹149

Reward Rate

0.5% – 2%

Forex Markup

3.5%

Apply may use an affiliate link — we may earn a commission; this doesn't affect our data or ratings.

Key Benefits

2% cashback on Paytm Mall, Movies and Mini App (₹250 monthly cap)
1% cashback on other select Paytm spends (₹250 monthly cap)
0.5% cashback on other retail transactions excluding fuel, EMIs, rentals and government (₹500 monthly cap)
First-year fee waived on ₹1,000 non-EMI spend in first 30 days
Renewal fee waived on ₹25,000 non-EMI annual spend
Upgrade to Paytm HDFC Bank Credit Card on ₹10,000 spend for 3 consecutive months
Up to 50 days interest-free credit
Zero liability on fraudulent transactions after reporting
Contactless payments enabled

Rewards

How you earn back on every swipe

cashback

Reward type

0.5% – 2%

Earn rate

₹1,000

Monthly cap

Fees & Charges

Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other charges are set by the bank and spelled out in their Most Important Terms and Conditions (MITC). Use the official product page for those details.

Joining fee₹149
Annual fee₹149
Fee waiver on annual spend₹25,000
Interest-free period50 days
Interest rate (APR)45%
Late payment fee (max)₹1,300
Cash advance fee2.5% (min ₹500)
Forex markup3.5%
Fuel surcharge waiverYes (₹400–₹250)

Travel & Lounge Access

Airport perks included with this card

0 per quarter

Domestic lounge visits

0 per year

International lounge visits

Things to Keep in Mind

  • No cashback on wallet loads
  • No cashback on fuel spends
  • No cashback on EMI spends
  • No cashback on rental spends
  • No cashback on government spends

Card Features

Metal Card
Contactless
UPI Linked

Tips & reviews

Community comments — not financial advice. Bank terms still apply.

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Eligibility

Age21+ yrs – 65
Min. income₹25,000/month

Employment type

SalariedSelf employed

Pros & Cons

Pros
  • Annual fee ₹149 waived on ₹25,000 annual spend.
  • About 0.5%–2% cashback on eligible spends (caps apply).
  • Best for: Paytm users — cashback on Paytm bill payments, recharges, movies
  • Paytm users who regularly pay bills, recharge phones, and book movie tickets via Paytm.
  • The Paytm HDFC Bank Mobile Credit Card is a co-branded card for Paytm power users, offering 2% cashback on Paytm…
  • At just ₹149 annual fee (waived on ₹25K spend), it's one of the most affordable co-branded cards in India.
Cons
  • No cashback on wallet loads
  • No cashback on fuel spends
  • No cashback on EMI spends
  • No cashback on rental spends
  • No cashback on government spends
  • High revolving APR — up to ~45% p.a. on balances.
  • Rewards capped around ₹1,000/month on categories.
  • ~3.5% forex markup on international spends.

Who is this card for?

Paytm users who regularly pay bills, recharge phones, and book movie tickets via Paytm. The very low annual fee makes this viable even as a low-usage card.

Quick Links

View on bank website

Data last updated 24 Mar 2026

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