HDFC Bank
VISA•••• •••• •••• 4242
Paytm HDFC Bank Mobile Credit Card
Paytm HDFC Bank Mobile Credit Card
HDFC Bank
Annual Fee
₹149
Effective Rate
1.00%
Network
VISA
Point Value
₹1.00/pt
About Paytm HDFC Bank Mobile Credit Card
2% Paytm Mall/Movies/Mini App (cap ₹250/mo); 1% other Paytm (cap ₹250/mo); 0.5% all retail (cap ₹500/mo). Upgrade path to Paytm HDFC Credit Card on ₹10K/month for 3 months.
Best For
Pros & Cons
thumb_upPros
- check_circleSpending milestone bonuses for high spenders
thumb_downCons
- cancelAnnual fee of ₹149 with no waiver option
- cancelForeign transaction fee applies on overseas spends
Reward Earning Structure
Each point is worth ₹1.00 — an effective return of 1.00% on spend.
| Category | Earn Rate | Per ₹10,000 Spent |
|---|---|---|
| All other spends | 2% | 200 pts≈ ₹200 |
| All other spends | 1% | 100 pts≈ ₹100 |
| All other spends | 0.5% | 50 pts≈ ₹50 |
Cashback is credited directly to your statement, reducing your outstanding balance. No redemption required.
Spending Milestones
Unlock bonus rewards when your annual spend crosses these thresholds.
Spend ₹1,000 (LIFETIME)
First year fee waived on ₹1,000 spend in 30 days.
Spend ₹25,000 (ANNUAL)
Renewal fee waived on ₹25,000 annual spend.
Fees & Charges
Key fees at a glance. For the complete schedule refer to the official Key Fact Statement (KFS) on the HDFC Bank website.
| Annual Fee | ₹149 |
| Forex Markup | As per issuer schedule |
| Interest Rate (APR) | Refer to KFS |
| Late Payment Charges | Refer to KFS |
| Cash Advance Fee | Refer to KFS |
Eligibility & Documents Required
Eligibility Criteria
- checkAge: 18–70 years (primary cardholder)
- checkMinimum annual income: As per bank norms
- checkCIBIL score: 750+ recommended
- checkEmployment: Salaried or self-employed Indian resident
Documents Required
- descriptionPAN Card (mandatory)
- descriptionAadhaar / Passport / Voter ID (address proof)
- descriptionSalary slips — last 3 months (salaried)
- descriptionLatest ITR or Form 16 (self-employed / salaried)
- descriptionBank statements — last 3 months
- descriptionPassport-size photograph
Frequently Asked Questions
Common questions about Paytm HDFC Bank Mobile Credit Card.
Ready to apply for Paytm HDFC Bank Mobile Credit Card?
Apply directly on the HDFC Bank website. Most decisions within 7–10 working days.
Affiliate disclosure: CreditBrain may earn a referral fee if you apply via our link. This does not affect our editorial independence.