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Paytm HDFC Bank Credit Card Review.

Paytm-HDFC-Bank-Credit-Card

Paytm HDFC Bank

Paytm HDFC Bank Credit Card

Editor’s Rating

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Welcome Offer:

Complimentary Paytm first premium subscription.

Annual FeeJoining FeeInterest Rate(APR)Credit Score
₹49 Per MonthNil3.6% per month and 43.2% annuallyGood

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 Due5% or min ₹200
Cash advance limit40% of your credit limit
Add on card feeNil
Credit revolving charges3.6% per month and 43.2% annually
Auto EMI conversion charges20% ROI and ₹99 processing fee
Grace day3 days from the payment due date
Cash advance charges2.5% of amount or ₹500 whichever is higher
Late payment charges₹100 to ₹1300 according to your statement amount
Overlimit amount charges2.5% of amount or minimum ₹550
Payment returns charges2% of amount or min ₹450
ATM or cash withdrawal fees₹100
Reward redemption feeNill
Balance transfer processing charge1% of amount or ₹250 whichever is high
Loan processing fee₹799 – ₹999
Loan preclosure charges3% of balance principal outstanding
Fuel surcharge1% 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.

Official website: www.hdfcbank.com

FAQ:

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 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 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.

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