HDFC Paytm Select Credit Card
HDFC Bank
Last updated: Oct 27, 2025
₹1,000
₹1,000
2.5%
8 visits/yr
Contents
A co-branded rewards credit card by HDFC & Paytm offering strong cashpoints on Paytm spends, lounge access, and milestone gifts.
Features of HDFC Paytm Select Credit Card which makes it unique
Spend Analyzer
Analytics to break down monthly spend
Better insight
Rewards Structure of HDFC Paytm Select Credit Card
Paytm (recharge, utility, travel, movies, mini app)
acceleratedEarn 5% on Paytm spends (capped).
Swiggy, AJIO, BigBasket, Uber
acceleratedEarn 3% on select brands.
Other Retail
base1% on all other spends.
Milestones of HDFC Paytm Select Credit Card
Quarterly Reward
₹50,000 (non-EMI, non-wallet spend) : Gift Vouchers worth ₹500
Fees & Charges of HDFC Paytm Select Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹1,000 |
| Annual Fee | ₹1,000 |
| Forex Markup Fee | 2.5% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹750 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 2% |
Renewal Conditions:Waived if non-EMI spends ≥ ₹1,50,000 in 12 months
Fee Explanation Standard bank rates apply for overdue amounts, plus applicable fees.
Lounge Access Benefits with HDFC Paytm Select Credit Card
domestic Lounges
silverVisits per year: 8
Guest access: No
₹2 charge per lounge use
Additional Features of HDFC Paytm Select Credit Card
Contactless Payments
Tap and pay enabled
Smart EMI
Convert large spend to EMI
Add-on Cards
Up to 3 free add-on cards
Welcome Bonus with HDFC Paytm Select Credit Card
Welcome Bonus: Paytm First membership (value ₹7,500)
Bonus Conditions: Valid if you make 1 transaction of at least ₹100
Application Process for HDFC Paytm Select Credit Card
Processing Time
5–7 business days
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Apply online via HDFC Bank portal or Paytm app
Upload KYC documents
Receive verification call
Card dispatched within 5–7 business days
Required Documents for HDFC Paytm Select Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
HDFC Paytm Select Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide coverage across India
International Acceptance
Accepted globally
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for HDFC Paytm Select Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
700+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹25,000
Minimum annual income
Self-Employed Applicants
₹40,000
Minimum annual income
Who Can Apply
Important Conditions
- Valid PAN and Aadhaar required.
How Approval Is Decided
- Minimum monthly income ₹25,000
- Indian resident
- Credit score above 700
Pros of HDFC Paytm Select Credit Card
- Excellent rewards on Paytm transactions
- Milestone gift vouchers
- Waiver on renewal with spend
Cons of HDFC Paytm Select Credit Card
- High annual fee if waiver not met
- Limited partners for 3% category
Frequently Asked Questions about HDFC Paytm Select Credit Card
Is there a joining fee?
Yes, ₹1,000 + GST. First-year fee can be waived on non-EMI spends of ₹50,000 within 90 days. :contentReference[oaicite:0]{index=0}
How to waive the renewal fee?
By doing non-EMI spends of ₹1,50,000 in a year. :contentReference[oaicite:1]{index=1}
What is the reward rate on Paytm spends?
5% Cashpoints (capped at ₹1,500/month). :contentReference[oaicite:2]{index=2}
What are the lounge benefits?
You get 8 complimentary domestic lounge visits per year (₹2 charge per visit). :contentReference[oaicite:3]{index=3}
When do I receive Cashpoints?
Cashpoints for a calendar month are credited in the first week of the next month. :contentReference[oaicite:4]{index=4}
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