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Paytm HDFC Bank BusinessHDFC Bank
Official listing
| Segment | Business |
|---|---|
| In HDFC MITC fee table | Yes |
| Status | Live |
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 | Annual Membership Fee: Rs.500 + GST | ✓ |
| 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 | First Year Fee waived upon spending Rs. 30,000 (Non-EMI spends) within the first 90 days; Renewal Year Fee waived upon spending Rs. 50,000 (Non-EMI spends) in the 12 months period | ✓ |
| 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 | NOT STATED | • |
| Forex markup | 3.5%MITC v4.3, fee table L496-505 | NOT STATED | • |
| Reward rate | Not in MITC (product term) | Get 3% on all purchases on Paytm [Recharge + Utility + Movies + Mini App] (Max. Cap per Calendar Month - Rs. 500); Get 2% Cashback on all other Paytm spends (Max. Cap per Calendar Month - Rs. 500); 1% Cashback on all other retail transactions (excluding Fuel, EMIs, Rental, Education Spends) (Max. Cap per Calendar Month - Rs. 1000) | • |
| Welcome benefit | Not in MITC | Paytm First Membership on activation of card (Min. 1 txn of Rs. 100 in 365 days) | • |
| Lounge access | Not in MITC | NOT STATED | |
| Eligibility | Not in MITC | NOT STATED |
✓ both agree ⚠ differ — verify • MITC only • microsite only
Microsite values are captured VERBATIM from each card's live HDFC page (fetched 2026-07-04). Quality of capture: rich 55, partial 15, thin 4. Open the linked page 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
- a) For Paytm HDFC Bank Business Credit Card:
- 1% Cashback on all other retail transactions (excluding Fuel, EMIs, Rental, Education Spends)
- Enjoy Rs.250 worth gift voucher upon card activation with 2 transactions in first 30 days (Non-EMI Spends)
- Enjoy Rs.500 worth Gift Voucher on spends of Rs.1 Lac in a year (Non-EMI and Non-Rental Spends)
- Paytm First Membership on activation of card (Min. 1 txn of Rs. 100 in 365 days)
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