# Paytm Hdfc Bank Credit Card

**Best for:** Frequent spenders looking for fee waivers

**Think twice if:** Rarely spends Rs.30000 in a year

**Key strengths:** First year fee waived with spending · Low forex markup for international transactions · Affordable annual fee of Rs.500

## Fees

- **Annual Fee:** Annual Fee of Rs.500
- **Fee Waiver:** First Year Fee waived upon spending Rs.30000
- **Forex Markup:** 3.50% - Foreign Currency Transactions

## Rewards


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