The Paytm HDFC Business has a ₹500 annual fee (waived on ₹50,000 annual spend), earns 3% Cashpoints on Purchases on Paytm (1% Cashpoints on all other Retail Spends) and charges a 3.5% forex markup.
| Annual fee | ₹500 |
|---|---|
| Joining fee | ₹500 |
| Annual fee waived | On ₹50,000 annual spend |
| Top reward rate | 3% Cashpoints on Purchases on Paytm |
| Base rewards | 1% Cashpoints on all other Retail Spends |
| Forex markup | 3.5% |
From issuer benefit data, checked 25 Oct 2026. Top reward rate is the card's best partner or category rate; base rewards is the general earn rate. Caps and exclusions are under Key Benefits.
Key Benefits
Live offers on this card
193 online offers across 151 brands right now, each valid for at least another 7 days. Checked 25 Oct.
- Yatra: Upto Rs.1800 off · till 31 Dec
- Air India: Get additional Rs.1000 off · till 31 Dec
- EaseMyTrip: Get Rs.1000 off · till 31 Dec
- Paytm: Save 50% · till 30 Dec
- Tata CLiQ: 12% instant discount · till 31 Jan 2027
These are HDFC Bank's own offers and Visa network offers, so they apply to every HDFC Bank Visa card, not just this one. All HDFC Bank offers by category.
More about the Paytm Hdfc Bank Business Credit Card
Is the Paytm Hdfc Bank Business Credit Card worth it in 2026?
The Paytm Hdfc Bank Business Credit Card offers a joining and renewal fee of Rs.500 each, with a renewal fee waiver on spending Rs.50,000. It provides 3% Cashpoints on Paytm purchases and 1% on other retail spends, making it valuable for frequent Paytm users and business expenses.
Who should get the Paytm Hdfc Bank Business Credit Card?
This card is ideal for business owners who frequently use Paytm for transactions and want to earn up to 3% Cashpoints on those spends. It suits users who can spend Rs.50,000 annually to waive the renewal fee and benefit from milestone rewards like a Rs.500 gift voucher on spending Rs.1 lakh.
How to maximise rewards on the Paytm Hdfc Bank Business Credit Card?
To maximise rewards, focus on making purchases on Paytm to earn 3% Cashpoints and select Paytm spends for 2% cashback. Additionally, aim to spend Rs.1 lakh to receive a Rs.500 gift voucher and Rs.50,000 to waive the Rs.500 renewal fee.
Best apps/sites to use the Paytm Hdfc Bank Business Credit Card on?
The best platform to use this card is Paytm, where you earn 3% Cashpoints on purchases and 2% cashback on select spends. Using the card on other retail platforms also earns 1% Cashpoints, making it versatile for various business expenses.