Visa, Mastercard 📡 Contactless NFC

Paytm HDFC Bank Select Credit Card

Joining Fee₹1,000

Annual Fee₹1,000

Forex Markup 3.5%

Apply Now →

⚖️ Card Verdict & Target Persona

Who Should Apply

Active Paytm app users and online shoppers wanting 5% cashback on recharges/utilities, 3% on BigBasket and AJIO, and domestic airport lounge access.

Who Should Avoid

Users who do not use the Paytm app or those seeking RuPay UPI integration.

🎁 Key Features & Highlights

🎉

Joining & Activation Welcome Gift

Complimentary Paytm First membership + movie ticket discount vouchers upon payment of joining fee

5% Cashback on Paytm Spends

5% cashback on Paytm ecosystem spends (Recharges, Utilities, Travel, Mini-Apps) up to ₹1,500/month.

3% Cashback on BigBasket & AJIO

3% cashback on BigBasket and AJIO shopping (capped at ₹500/month each).

Domestic Airport Lounge Access

4 complimentary domestic airport lounge visits per calendar year (1 visit per quarter).

💰 Reward Structure & Point Valuation

1 Cashback = ₹1

Standard Base Earning

1% cashback on all other retail transactions (capped at 2,000 CashPoints/month; 1 CashPoint = ₹1.00)

Accelerated / Partner Rate

5% cashback on Paytm app recharges, utilities, and travel mini-apps (capped at ₹1,500/month); 3% cashback on BigBasket and AJIO shopping (capped at ₹500/month each)

Points Validity:24 Months

Redemption Fee: ₹0 (Free)

Redemption Modes: Direct Statement Credit Adjustment (1 CashPoint = ₹1.00, auto-credited monthly), Paytm Wallet Balance Conversion

🚫 No Reward Points / Cashback on:

Fuel Wallet Loads Rent Payments Government Transactions Cash Advances EMI

🛋️ Airport Lounge Access & Spend Criteria

✓ Lounge Access Active

🛫

Domestic Lounge Visits4 complimentary domestic airport lounge visits per calendar year (1 visit per quarter)

🌐

International Lounge VisitsNone

⚠️

Spend Criteria: None (Unconditional complimentary access)

⚡ Spend Milestones & Special Perks

Annual Fee Waiver ₹200,000/yr

Annual renewal fee of ₹1,000 is waived off on spending ₹2,00,000 or more in the previous anniversary year

UPI Payments Support✗ Not Supported

UPI not supported on Visa/Mastercard network

Fuel Surcharge Waiver1% Surcharge Waived

1% fuel surcharge waiver for transactions between ₹400 and ₹5,000 (Capped at ₹250/mo)

📋 Eligibility Criteria

✓ Official Criteria

Age Limit21 - 65 Years

Min. Monthly Income₹30,000

Min. Credit Score720 CRIF

Employment TypeSalaried / Self-Employed

📊 Interest Rates & Charges

Finance Charges (Interest Rate / APR):3.60% per month (43.20% per annum)

Late Payment Penalties:Late payment charges slab-based up to ₹1,300

Official Bank Portal Application

Get the Paytm HDFC Bank Select Credit Card

Annual Fee: ₹1,000/yr (Waivable)

Apply Online Now →

Personalized Card Matcher

Still Confused About Your Best Match?

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Frequently Asked Questions

No, Paytm HDFC Bank Select Credit Card has a joining fee of ₹1000 and an annual renewal fee of ₹1000 (plus applicable taxes).

Paytm HDFC Bank Select Credit Card ₹1,000/yr