HDFC Paytm Credit Card
HDFC · Cashback · Visa
Annual Fee
₹500
Fee Waiver
₹50K annual spend
Lounge Access
None
Best Rate
1%
Network
Visa
⚠️ Data being verified
Reward Rates by Category
🛒Online Shopping
1%
💡Utilities
1%
🍽️Dining
0.5%
✈️Travel
0.5%
🥦Groceries
0.5%
🎬Entertainment
0.5%
🛍️Shopping
0.5%
⛽Fuel
0%
How Points Work
1% on Paytm spends/bills, 0.5% on other · Cashback as Paytm wallet balance
🚀 Boosted Rates (Partners & SmartBuy)
Paytm spends1% Paytm cashback
These rates apply when using specific platforms or partners — higher than the base category rate shown above.
Key Benefits
1% on Paytm₹250 welcome Paytm cashbackLow fee
PROS
✅ Cashback directly to Paytm wallet
✅ Low fee with easy waiver
CONS
⚠️ Cashback locked to Paytm ecosystem
⚠️ Low base rate (0.5%)
⚠️ No lounge access
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