Fees & charges
| Joining fee | ₹149 + GST (first-year fee; waived on ₹1,000 non-EMI spends within first 30 days). Legacy customers onboarded before 01-Apr-2023: ₹29/month + GST, waived on ₹5,000 non-EMI retail spends/month. |
|---|---|
| Annual / renewal fee | ₹149 + GST |
| Renewal-fee waiver | ₹25,000 non-EMI spends in 12 months (renewal fee) |
| Network | Not stated Not stated on HDFC's page |
Rewards & benefits
| Reward rate | Not stated on HDFC's page |
|---|---|
| Welcome benefit | Not stated on HDFC's page |
| Lounge access | Not stated on HDFC's page |
| Key benefits | Entry-level Paytm co-branded HDFC card with a low ₹149+GST annual fee that is waivable on modest spends; other benefits not stated on HDFC's own page (JS-rendered). |
Eligibility & status
| Eligibility / income | Not stated on HDFC's page |
|---|---|
| Status note | Not stated on HDFC's page |
⚠ HDFC's page stated limited detail for this card — verify the specifics on the official page before applying.
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 | not separately listed in the MITC fee table | Annual Membership Fee: ₹149 + GST | • |
| Fee waiver (min spend) | not separately listed in the MITC fee table | First Year Fee waived upon spending ₹1,000 (non-EMI spends) within the first 30 days; Renewal Year Fee waived upon spending ₹25,000 (non-EMI spends) in the 12 months period | • |
| Fuel surcharge waiver | not separately listed in the MITC fee table | NOT STATED | |
| Forex markup | not separately listed in the MITC fee table | NOT STATED | |
| Reward rate | Not in MITC (product term) | 2% cashback on all purchases across Paytm (Mall, movies, and Mini App) Note - Maximum capping of ₹250 per calendar month; 1% CashBack on all other Paytm spends - Note - Maximum capping of ₹250 per calendar month; 0.5% CashBack on all other all other retail transactions (excluding Fuel, EMIs, Rental, Government Spends). Note - Maximum capping of ₹500 per calendar month | • |
| Welcome benefit | Not in MITC | HDFC Bank Paytm Mobile Credit Card members are eligible for free annual memberships with our partners. Get complimentary access to Club Marriott, MMT Black, Swiggy One, Amazon Prime, Times Prime Smart, Forbes Digital subscription, and more! Unlock this welcome offer by spending over ₹1.5 lakh within the first 90 days. If eligible, you will receive your benefits within 30 days of meeting the criteria. | • |
| Lounge access | Not in MITC | unknown | • |
| Eligibility | Not in MITC | For Salaried: Nationality: Indian national; Age: Minimum: 21 years, Maximum: 60 years; Income: Net Monthly Income > ₹25,000. For Self-Employed: Nationality: Indian national; Age: Minimum: 21 years, Maximum: 65 years; Income: Annual ITR > ₹6 lakh | • |
✓ 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
- Annual Membership Fee: ₹149 + GST
- 2% cashback on all purchases across Paytm (Mall, movies, and Mini App) Note - Maximum capping of ₹250 per calendar month
- First Year Fee waived upon spending ₹1,000 (Non-EMI spends) within the first 30 days
- Renewal Year Fee waived upon spending ₹25,000 (Non-EMI spends) in the 12 months period
- Upgrade to Paytm HDFC Bank Credit Card by spending ₹10,000 in 3 consecutive months (Non-EMI and Non-Rental Spends)
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