The Paytm HDFC has a ₹500 annual fee (waived on ₹50,000 annual spend) and charges a 3.5% forex markup.
| Annual fee | ₹500 |
|---|---|
| Annual fee waived | On ₹50,000 annual spend |
| Forex markup | 3.5% |
From issuer benefit data, checked 22 Oct 2026. Base rewards is the general earn rate; category and partner rates are under Key Benefits.
Live offers on this card
300 online offers across 174 brands right now, each valid for at least another 7 days. Checked 22 Oct.
- Croma: Rs.12000 Discount · till 31 Oct
- EaseMyTrip: Flat Rs.7500 off · till 31 Oct
- ixigo: Rs.7500 Discount · till 31 Oct
- MakeMyTrip: Rs.7500 Discount · till 31 Oct
- Yatra: Flat Rs.7500 off · till 31 Oct
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 Credit Card
Is the Paytm Hdfc Bank Credit Card worth it in 2026?
The Paytm Hdfc Bank Credit Card offers an annual fee of Rs.500, which is waived in the first year if you spend Rs.30,000. This makes it a cost-effective option for users who plan to spend at least Rs.30,000 annually, providing value through fee waiver and rewards.
Who should get the Paytm Hdfc Bank Credit Card?
This card is ideal for frequent Paytm users who spend around Rs.30,000 or more annually. It suits individuals looking for a low annual fee credit card with the benefit of fee waiver on meeting the spending criteria.
How to maximise rewards on the Paytm Hdfc Bank Credit Card?
To maximise rewards, ensure you spend at least Rs.30,000 annually to waive the Rs.500 fee. Use the card primarily on Paytm transactions and other partner merchants to earn the best benefits and cashback offers.
Best apps/sites to use the Paytm Hdfc Bank Credit Card on?
The Paytm Hdfc Bank Credit Card is best used on the Paytm app for mobile recharges, bill payments, and shopping. It also offers benefits on partner e-commerce sites and digital platforms linked with Paytm.