The Paytm HDFC Digital has a ₹149 annual fee (waived on ₹25,000 annual spend) and charges a 3.5% forex markup.
| Annual fee | ₹149 |
|---|---|
| Joining fee | ₹149 |
| Annual fee waived | On ₹25,000 annual spend |
| Forex markup | 3.5% |
From issuer benefit data, checked 23 Oct 2026. Base rewards is the general earn rate; category and partner rates are under Key Benefits.
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 Digital Credit Card
Is the Paytm Hdfc Bank Digital Credit Card worth it in 2026?
The Paytm Hdfc Bank Digital Credit Card charges a joining fee and renewal fee of Rs.149 each. However, the first-year fee is waived if you spend Rs.10,000. This makes it a cost-effective option for users who plan to use the card actively in 2026.
Who should get the Paytm Hdfc Bank Digital Credit Card?
This card is ideal for digital-savvy users who frequently shop online and want to manage expenses through Paytm. It suits individuals who can spend at least Rs.10,000 in the first year to avail the fee waiver and benefit from its digital features.
How to maximise rewards on the Paytm Hdfc Bank Digital Credit Card?
To maximise rewards, ensure you spend at least Rs.10,000 in the first year to waive off the Rs.149 fee. Use the card primarily on Paytm and partner merchants to leverage exclusive offers and cashback deals.
Best apps/sites to use the Paytm Hdfc Bank Digital Credit Card on?
The card works best on the Paytm app for bill payments, recharges, and online shopping. Additionally, use it on popular e-commerce sites and partner platforms integrated with Paytm to maximise benefits.