Fees & charges
| Joining fee | ₹1,000 + GST |
|---|---|
| Annual / renewal fee | ₹1,000 + GST |
| Renewal-fee waiver | ₹1.5 lakh/year (non-EMI spends) |
| Network | VISA Visa |
Rewards & benefits
| Reward rate | 5% cashback on Paytm-app purchases (excl. wallet loads, fuel, EMI, rental, education spends) |
|---|---|
| Welcome benefit | First-year fee waived on ₹50,000 non-EMI spends within 90 days (no distinct welcome gift stated on HDFC's page) |
| Lounge access | Complimentary domestic airport lounge access (exact visit count not clearly stated on HDFC's own page) |
| Key benefits | 5% cashback on Paytm-app spends plus domestic lounge access, with fee waiver on ₹1.5 lakh annual non-EMI spends |
Eligibility & status
| Eligibility / income | Not stated on HDFC's page |
|---|---|
| Status note | active |
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 | ₹ 1,000MITC v4.3, fee table L400-408 | ₹1,000 + GST | ✓ |
| Fee waiver (min spend) | ₹50,000 within 90 days for 1st year membership fee and ₹1.5 Lakh / Annum for annual feeMITC v4.3, fee table L400-408 | ₹1.5 lakh/year (non-EMI spends) | ✓ |
| 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 L400-408 | NOT STATED | • |
| Forex markup | 3.5%MITC v4.3, fee table L400-408 | NOT STATED | • |
| Reward rate | Not in MITC (product term) | 5% cashback on Paytm-app purchases (excl. wallet loads, fuel, EMI, rental, education spends) | • |
| Welcome benefit | Not in MITC | First-year fee waived on ₹50,000 non-EMI spends within 90 days (no distinct welcome gift stated on HDFC's page) | • |
| Lounge access | Not in MITC | Complimentary domestic airport lounge access (exact visit count not clearly stated on HDFC's own page) | • |
| 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 Select Business Credit Card
- Access the Credit You Merit
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