The Paytm HDFC Select Business has a ₹1,000 annual fee (waived on ₹1 lakh annual spend), earns 5% Cashpoints on Purchases on Paytm (1% Cashpoints on all other Retail Spends), includes 12 airport lounge visits a year and charges a 3.5% forex markup.
| Annual fee | ₹1,000 |
|---|---|
| Joining fee | ₹1,000 |
| Annual fee waived | On ₹1 lakh annual spend |
| Top reward rate | 5% Cashpoints on Purchases on Paytm |
| Base rewards | 1% Cashpoints on all other Retail Spends |
| Lounge access | 12 airport lounge visits a year |
| Forex markup | 3.5% |
From issuer benefit data, checked 24 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
304 online offers across 174 brands right now, each valid for at least another 7 days. Checked 23 Oct.
- Croma: Rs.14000 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 Select Business Credit Card
Is the Paytm Hdfc Bank Select Business Credit Card worth it in 2026?
The card offers 12 complimentary airport lounge accesses per year and a joining fee of Rs.1000 with an annual renewal fee of Rs.1000. The first-year fee is waived if you spend Rs.60000, making it cost-effective for frequent business travelers.
Who should get the Paytm Hdfc Bank Select Business Credit Card?
This card is ideal for business owners and frequent travelers who can utilize the 12 complimentary domestic lounge accesses annually. Users who can spend Rs.60000 in the first year to waive the joining fee will benefit the most.
How to maximise rewards on the Paytm Hdfc Bank Select Business Credit Card?
To maximize benefits, spend at least Rs.60000 in the first year to waive the joining fee. Use the card for frequent business expenses and travel to take full advantage of the 12 complimentary airport lounge accesses.
Best apps/sites to use the Paytm Hdfc Bank Select Business Credit Card on?
Use the card on Paytm for seamless payments and business transactions. It is also beneficial for booking flights and hotels through popular travel apps to leverage the complimentary lounge access.