Fees & charges
| Joining fee | ₹500 + applicable taxes |
|---|---|
| Annual / renewal fee | ₹500 + applicable taxes |
| Renewal-fee waiver | Renewal fee waived on spending ₹50,000 (non-EMI) in 12 months; first-year fee waived on spending ₹30,000 (non-EMI) in the first 90 days |
| Network | Not stated Not stated on HDFC's page |
Rewards & benefits
| Reward rate | Up to 3% CashPoints on Paytm spends (Recharge/Utility/Movies/Mini App, cap ₹500/month); 2% on other select Paytm spends (cap ₹500/month); 1% on all other retail spends |
|---|---|
| Welcome benefit | Paytm First Membership on first transaction + ₹250 gift voucher on activation + ₹500 gift voucher on spending ₹1 lakh in a year |
| Lounge access | none (no airport lounge access stated in the card's benefits) |
| Key benefits | Cashback-focused business card: up to 3% CashPoints on Paytm spends, 1% fuel surcharge waiver, zero-liability on lost card, Paytm First membership + gift vouchers |
Eligibility & status
| Eligibility / income | Not stated on HDFC's page |
|---|---|
| Status note | active (product page carries a live "Apply Online" link) |
Sources compared — HDFC's MITC (PDF) vs the card's microsite
Every fact is shown from both of HDFC's own sources so you can verify it yourself — the MITC PDF ↗ (the binding fee document) and the product microsite ↗. Nothing is omitted or paraphrased.
| Fact | 📄 MITC PDF | 🔗 Microsite | |
|---|---|---|---|
| Joining / annual fee | ₹ 500MITC v4.3, fee table L496-505 | ₹500 + applicable taxes | ✓ |
| Fee waiver (min spend) | ₹30,000 within 90 days for 1st year membership fee and 50,000 / Annum for annual feeMITC v4.3, fee table L496-505 | Renewal fee waived on spending ₹50,000 (non-EMI) in 12 months; first-year fee waived on spending ₹30,000 (non-EMI) in the first 90 days | ✓ |
| Fuel surcharge waiver | 1% fuel surcharge waiver on minimum transaction of ₹400 & maximum transaction of ₹5000. Maximum waiver of ₹250 per statement cycleMITC v4.3, fee table L496-505 | 1% fuel surcharge waiver | ✓ |
| Forex markup | 3.5%MITC v4.3, fee table L496-505 | NOT STATED | • |
| Reward rate | Not in MITC (product term) | Up to 3% CashPoints on Paytm spends (Recharge/Utility/Movies/Mini App, cap ₹500/month); 2% on other select Paytm spends (cap ₹500/month); 1% on all other retail spends | • |
| Welcome benefit | Not in MITC | Paytm First Membership on first transaction + ₹250 gift voucher on activation + ₹500 gift voucher on spending ₹1 lakh in a year | • |
| Lounge access | Not in MITC | None (no airport/railway lounge access stated in the card's benefits) | • |
| Eligibility | Not in MITC | NOT STATED |
✓ both agree ⚠ differ — verify • MITC only • microsite only
Live microsite fetch this run: thin 37, ok 3, blocked 1. HDFC microsites are JavaScript-rendered, so where the live fetch was thin the microsite column shows the fact as previously recorded from that card’s HDFC page — open the linked URL to verify. See the full schedule of charges → (finance charges, cash-advance, late-fee slabs…), all cited to the MITC.
Verbatim quotes captured from the live microsite
- Paytm HDFC Bank Business Credit Card
- Get The Credit You Deserve!
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