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 | ₹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. | • |
| Fee waiver (min spend) | not separately listed in the MITC fee table | ₹25,000 non-EMI spends in 12 months (renewal fee) | • |
| 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) | NOT STATED | |
| Welcome benefit | Not in MITC | NOT STATED | |
| Lounge access | Not in MITC | NOT STATED | |
| 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.
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