Article Contents Table
Paytm HDFC Bank
Paytm HDFC Bank Credit Card
Welcome Offer:
Complimentary Paytm first premium subscription.
| Annual Fee | Joining Fee | Interest Rate(APR) | Credit Score |
|---|---|---|---|
| ₹49 Per Month | Nil | 3.6% per month and 43.2% annually | Good |
Paytm HDFC Bank Credit Card is collaborative credit card of Paytm and HDFC bank. this card gives an unlimited cashback on using it at Paytm mall and app.
So, let check out some important details of this card like, features and benefits, fees and charges, rewards and cashback offer, interest rate, insurance and security etc. before reviewing it.
Key features of Paytm HDFC Bank Credit Card
Here is the list of key features of Paytm HDFC Bank Credit Card.
- 3% cashback on all purchases at Paytm mall, movie and app.
- 2% cashback on all other Paytm spends.
- 1% cashback on all other retail spends.
- Get up to 4 complimentary add-on cards.
Mark that this cashback offer is not valid on wallet load, fuel spends, EMI spends, and cashback will be given as Paytm gift voucher.
Key Benefits of Paytm HDFC Bank Credit Card
Here is the List of key benefits of Paytm HDFC Bank Credit Card.
Welcome benefits
Paytm first premium subscription. Which offers you an exclusive benefit over an existing Paytm offers and also get a exclusive benefits from partner brand of Paytm.
EMI offers
Get no cost and low cost EMI option on your credit card emi transactions.
Milestone Benefit
Earn upto ₹1200 as a cashback annually buy spending ₹10,000 every month. (maximum cashback per month ₹100)
Annual spend Benefits
Get monthly fee waived off on retail spends of ₹5000 in a month without EMI.
Rewards and cashback offer
Rewards and cashback offers of Paytm HDFC Bank Credit Card:
- 3% cash back at Paytm mall and app purchases.
- 2% cashback on other Paytm spends.
- 1% cashback on all retail spends.
Fees, interest rate and Hidden charges
list of fees and hidden charges which is apply on your Paytm HDFC Bank Credit Card.
| Monthly membership fee | ₹49 |
| Minimum Due | 5% or min ₹200 |
| Cash advance limit | 40% of your credit limit |
| Add on card fee | Nil |
| Credit revolving charges | 3.6% per month and 43.2% annually |
| Auto EMI conversion charges | 20% ROI and ₹99 processing fee |
| Grace day | 3 days from the payment due date |
| Cash advance charges | 2.5% of amount or ₹500 whichever is higher |
| Late payment charges | ₹100 to ₹1300 according to your statement amount |
| Overlimit amount charges | 2.5% of amount or minimum ₹550 |
| Payment returns charges | 2% of amount or min ₹450 |
| ATM or cash withdrawal fees | ₹100 |
| Reward redemption fee | Nill |
| Balance transfer processing charge | 1% of amount or ₹250 whichever is high |
| Loan processing fee | ₹799 – ₹999 |
| Loan preclosure charges | 3% of balance principal outstanding |
| Fuel surcharge | 1% wavier on min ₹400 transaction upto ₹250 per billing cycle. |
| Reissue of lost, stolen or damage card | ₹100 |
| Forex transaction charges (Foreign Currency Markup) | 3.5% |
Spend condition for waiver of monthly charges
if you wish to waiver of next month renewal membership fee of your Paytm HDFC Bank Credit Card then you have to spend ₹5000 in a month. Mark that this amount is excluded from transactions like cash on call, balance transfer and cash withdrawal.
Eligibility criteria
If you are thinking to apply for Paytm HDFC Bank Credit Card, then you must have to fulfil these criteria:
- minimum age of 21 to 60 years.
- You are an Indian citizen.
- You are registered Paytm app and bank user with Full KYC.
Reviews of Paytm HDFC Bank Credit Card
Well, Paytm HDFC Bank Credit Cardis a very basic card with just an spend benefit on Paytm app and mall. There were a no other benefits and features you get on this card. So, we suggest you to don’t apply for this card it is not worthy at ₹49 monthly fees. If you are a regular user of Paytm app and purchase things from Paytm mall so you can apply to get cashback on every transactions.
Use full details and links
Official website: www.hdfcbank.com
FAQ:
How to pay my Paytm HDFC Bank Credit Card bill?
you can easily pay your Paytm HDFC Bank Credit Card bill via following options.
- Mobile banking app
- Net banking
- ATM fund transfer
- Cash
- Cheque
- Auto-pay
- From a non-HDFC bank account
- Other credit card payment app like Paytm, cred, PhonePe etc.
late payment charges of Paytm HDFC Bank Credit Card?
Late payment charges of Paytm HDFC Bank Credit Card are various according to your statement amount. Let’s have look on it.
| Amount | Charges |
| Less than ₹100 | Nil |
| ₹100 to ₹500 | ₹100 |
| ₹501 to ₹5,000 | ₹500 |
| ₹5,001 to ₹10,000 | ₹600 |
| ₹10,001 to ₹25,000 | ₹800 |
| ₹25,001 to ₹50,000 | ₹1100 |
| More than ₹50,000 | ₹1300 |
loan processing charges of Paytm HDFC Bank Credit Card?
loan processing charges of Paytm HDFC Bank Credit Card are various according to your loan type. Let’s see
| Loan Type | Processing fee |
| Insta loan | ₹999 + GST |
| Jumbo loan | ₹999 + GST |
| Smart EMI | ₹799 + GST |
| Balance transfer on EMI | 1% of loan amount + GST (Minimum ₹250) |
Disclaimer: we always intend to provide you all updated details. But there is a possibility changes in data, rates, charges and fees by bank and issuer company. So kindly refer all the latest data by visiting official website of issuer before applying. We are not responsible for any legal or financial implication in any case.