What is the annual fee for Paytm HDFC Bank Mobile Credit Card?

The annual fee for Paytm HDFC Bank Mobile Credit Card is ₹149. The fee is waived on annual spend above ₹25,000.

What is the joining fee for Paytm HDFC Bank Mobile Credit Card?

The one-time joining fee for Paytm HDFC Bank Mobile Credit Card is ₹149.

What are the rewards and benefits of Paytm HDFC Bank Mobile Credit Card?

Paytm HDFC Bank Mobile Credit Card earns cashback rewards. Reward rate ranges from 0.5% to 2%.

What lounge access benefits does Paytm HDFC Bank Mobile Credit Card provide?

Paytm HDFC Bank Mobile Credit Card provides 0 domestic lounge visits per quarter and 0 international lounge visits per year.

What is the eligibility criteria for Paytm HDFC Bank Mobile Credit Card?

To be eligible for Paytm HDFC Bank Mobile Credit Card, you need a minimum monthly income of ₹25,000.

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HDFC Bank

Paytm HDFC Bank Mobile Credit Card

Name: Paytm HDFC Bank Mobile Credit Card
Brand: HDFC Bank
Price: 149 INR
Availability: InStock

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.

Co-branded

CardCheck ScoreGood

Top Category Performance

Cashback (85/100)

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%

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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.

GoodScore / 100

Reward Power

24/35

Fee Value & ROI

24/25

Lounge & Perks

4/20

Forex & Access

12/20

Category Strengths Breakdown

Ranked by strongest spend category

Cashback Spends

85/100

Zero Fee & Starter

85/100

Online Shopping

84/100

Dining & Food

70/100

Scoring 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

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

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

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 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)

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

Metal Card

Contactless

UPI Linked

Fee Waiver Spend Simulator

Simulate your spend to check waiver eligibility

Waiver Target: ₹25,000/yr

Your Estimated Monthly Spend:₹2,083/mo

Presets:

100% to Annual Fee Waiver₹24,996 / ₹25,000

Spend ₹0/mo more (or ₹4 more per year) to waive the renewal fee.

Gross Rewards+₹500

Effective Fee₹149

Net Profit/Yr+₹351

Tips & reviews

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

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Paytm HDFC Bank Mobile Credit Card Eligibility

Age21+ yrs – 65

Min. income₹25,000/month

CIBIL score650+

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.