Paytm HDFC Bank Mobile Credit Card
The Paytm HDFC Bank Mobile Credit Card is a co-branded card for Paytm power users, offering 2% cashback on Paytm spends including bill payments, recharges, Paytm Mall, and movie bookings, and 0.5% on all other card spends.
Cashback Fit Score
85/100
Joining Fee
₹149
Annual Fee
₹149
Reward Rate (%)
0.5 – 2
Statement credit
Forex Markup
3.5%
Apply may use an affiliate link — we may earn a commission; this doesn't affect our data or ratings.
CardCheck Rating & Score
Our proprietary algorithm evaluates cards across reward value, fee fairness, lounge access and terms to provide an unbiased score.
Reward Power
24/35
Fee Value & ROI
24/25
Lounge & Perks
4/20
Forex & Access
12/20
Category Strengths Breakdown
Ranked by strongest spend categoryScoring Methodology: Evaluated deterministically using verified bank MITC filings, fee waiver spend ratios, reward percentage caps, and lounge agreements. No card receives sponsored score inflation. Learn how we score →
Paytm HDFC Bank Mobile Credit Card Benefits
Paytm HDFC Bank Mobile Credit Card Rewards
How you earn back on every swipe
cashback
Reward type
0.5% – 2%
Earn rate
₹1,000
Monthly cap
₹1,000
Monthly cap
Paytm HDFC Bank Mobile Credit Card Fees & Charges
Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other statutory charges are detailed in the official Most Important Terms and Conditions (MITC).
Paytm HDFC Bank Mobile Credit Card 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
Fee Waiver Spend Simulator
Simulate your spend to check waiver eligibility
Spend ₹0/mo more (or ₹4 more per year) to waive the renewal fee.
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
Paytm HDFC Bank Mobile Credit Card Eligibility
Employment type
Pros & Cons
- 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.
- 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
Data last updated 12 Aug 2026
Calculate your exact earnings with Paytm HDFC Bank Mobile Credit Card
Enter your monthly spending in groceries, dining, fuel, travel, and shopping to calculate your estimated net return after fees, reward caps and exclusions.
See CardCheck in your Google Search & AI results
Add as a preferred source to get our credit card updates first.