Article Contents Table
Paytm HDFC Bank
Paytm HDFC Bank Mobile Credit Card
Welcome Offer:
NIL
| Annual Fee | Joining Fee | Interest Rate(APR) | Credit Score |
|---|---|---|---|
| ₹29 Per Month | Nil | 3.75% per month and 45% annually | Good |
Paytm HDFC Bank Mobile Credit Card is a mobile cashback credit card. Which is a virtual credit card, and you can use it for virtual transactions from your mobile.
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 Mobile Credit Card
Here is the list of key features of Paytm HDFC Bank Mobile Credit Card.
- Unlimited cashback upto 2%.
- 50 days interest free credit.
- Zero cost liability on any fraudulent transactions made on your card after reporting to lose your card at customer care of hdfc bank.
Key Benefits of Paytm HDFC Bank Mobile Credit Card
Here is the List of key benefits of Paytm HDFC Bank Mobile Credit Card.
Milestone Benefit
You can unlock the benefits of Paytm HDFC bank credit card by spending ₹10,000 in 3 consecutive months without EMI spends. For details about paytm hdfc credit card visit to our link.
Annual spend Benefits
Monthly fee waived off on retail spends of ₹2,500 in a month without EMI transactions.
Rewards and cashback offer
Rewards and cashback offer of Paytm HDFC Bank Mobile Credit Card:
- Get 2% cashback on all purchases at Paytm mall and app.
- Get 1% cashback on all other Paytm spends.
- Get 0.5% cashback on other retails spends.
Cashback not applicable on wallet load, fuel spends, and EMI spends. Cashback will be given as Paytm gift voucher.
Fees, interest rate and Hidden charges
list of fees and hidden charges which is apply on your Paytm HDFC Bank Mobile Credit Card.
| Monthly fee | ₹29 |
| Minimum Due | 5% or min ₹200 |
| Cash advance limit | 40% of your credit limit |
| Add on card fee | Nil |
| Credit revolving charges | 3.75% per month and 45% 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 | ₹99 per redemption request |
| 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 annual charges
if you wish to waiver of next monthly membership fee of your Paytm HDFC Bank Mobile Credit Card then you have to spend ₹2,500 in a year.
Eligibility criteria
If you are thinking to apply for Paytm HDFC Bank Mobile 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 Mobile Credit Card
Well, Paytm HDFC Bank Mobile Credit Card is a virtual mobile credit card. This card had a few benefits for Paytm users. So, if you are thinking to apply for this card I think you should avoid it or find a better option.
Use full details and links
- Official website: www.hdfcbank.com
FAQ:
How to apply for Paytm HDFC Bank Mobile Credit Card?
you can directly apply for Paytm HDFC Bank Mobile Credit Card by visiting to official website of Paytm or from Paytm app.
How to activate my Paytm HDFC Bank Mobile Credit Card?
You can easily activate your Paytm HDFC Bank Mobile Credit Card by visiting to neatest HDFC bank ATM. Generate your credit card pin by entering OTP which you got on your registered mobile number and your card will be activated.
Other method of activating your card Is by login into internet banking of HDFC bank and generate your password online.
How to pay my Paytm HDFC Bank Mobile Credit Card bill?
you can easily pay your Paytm HDFC Bank Mobile 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 Mobile Credit Card?
Late payment charges of Paytm HDFC Bank Mobile 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 Mobile Credit Card?
loan processing charges of Paytm HDFC Bank Mobile 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.