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| Monthly Spend | ₹5K | ₹10K | ₹20K | ₹50K | ₹100K |
|---|---|---|---|---|---|
| Net Reward Yield | 1.0% | 2.1% | 1.7% | 1.4% | 1.4% |
| Est. Monthly Reward (₹) | 45 | 205 | 335 | 715 | 1,370 |
| All-India Rewards Rank* | 32 | 7 | 25 | 61 | 64 |
| Within Bank Rank* | 7 | 3 | 6 | 11 | 11 |
| * Based on est. net reward yield for nearly 400 credit cards in India, for each monthly spending level. Read about how we calculate the net reward yield here.
^The negative figure means at this level of monthly spends, the rewards earned in a year will be worth less than the annual fee. |
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The Paytm HDFC Credit Card offers 3% cashback on Paytm Mall, Movies & Mini, 2% on all other select Paytm spending and 1% cashback on all other retail spending.
Overall, we estimate you can earn a net reward yield of 1.4-2.1% with this card if you spend more than ₹10,000 a month.
If you spend less than ₹10,000 a month on your card, consider the Bharat Credit Card with a net yield of 1.9-2.4%.
Consider the Millennia Credit Card if you charge between ₹10,000 – 50,000 a month on your card.
It offers a net reward yield of 2.3-2.7% on spending up to ₹50,000.
If you spend more than ₹50,000 a month on your credit card, we recommend the 6E Rewards XL – Indigo HDFC Bank Credit Card. We estimate it offers a net reward yield of 2.0-2.2% for high spenders.
Our list of the best credit cards in India, at every spending level and from every bank, is here. You can find a detailed discussion of our methodology here.
| Card | Paytm HDFC Credit Card |
|---|---|
| Card Type | Cashback |
| Cashback Features | 3% cashback on: – Paytm Mall – Movies – Mini App 2% cashback on all other select Paytm spends 1% cashback on all other Retail Spends |
| Milestone Rewards | ₹100 Cashback on spending ₹10,000 p.m. |
| Other Rewards | – 20% off on partner restaurants via Dineout
– Complimentary Paytm First Membership |
| Rewards Redemption Fee | ₹99 |
| Cashback Caps | – 1000 cashpoints on Grocery transactions/ mth.
– 3000 cashpoints overall cashback redemption/ mth. |
| Preferred Redemption Method | Cashback against statement balance |
| Card | Paytm HDFC Credit Card | |
|---|---|---|
| Joining Fee | Nil | |
| Annual Fee | ₹49 + Taxes p.m. | |
| Min. Annual Credit Card Spend for Fee Waiver |
₹5,000 p.m. | |
| Income Criteria | Salaried | N/A |
| Self-employed | N/A | |
| Supplementary Card Fee | Free | |
| Interest Rate | 43.20% | |
| Foreign Currency Markup | 3.50% | |
| Cash Advance Charge | 2.50% with a minimum of ₹500 | |
Questions? Suggestions? See a mistake? Write to us!
Our analysis of 100s of flights shows that miles from international airlines are worth much less in India that they are globally, between 16-54% less. Their value in India is between ₹0.50/mile for the Etihad to ₹0.80/mile for BA & SQ.
2 Free Movie / Stream / Play / Events / Sports / Activities tickets up to ₹250 each and ₹100 off on F&B Spends on BookMyShow tickets.
8 reward points / ₹400 on bill payments & education and 1 point on all other spends. Fuel surcharge waiver of up to ₹100 per month.
