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Premium Decision Grade Catalog
HDFC BANK LTD
Paytm HDFC Bank Credit Card
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Verified Catalog
Source: HDFC BANK LTD Official
Updated: Aug 2026
Overview
Editorial snapshot & Positioning.
Entry-level co-branded credit card offering cashback benefits on Paytm platform spends with a monthly fee structure instead of annual
Key features
Highlights and rewards metrics.
The strongest rewards and lifestyle perks are surfaced as concise highlights.
Highlight 1
Up to 3% unlimited cashback
Highlight 2
Paytm First Membership with benefits worth up to ₹75,000
Highlight 3
Earn up to ₹1,200 cashback annually
Highlight 4
Up to 50 days of interest-free credit period
Technical details
Fees structure and lounge network details.
Joining fee, annual fee, and lounge network coverage are shown in a minimal data grid.
Joining fee
₹500
The front-loaded charge when you apply.
Annual fee
₹500
Shown alongside the annual renewal cost.
Networks
Domestic & Int'l
Lounge network compatibility.
Rewards Calculator
Interactive Spend & Earning Estimation.
Slide to match your average monthly spending across categories and see how much value you earn back in a year.
Monthly Spending Profile
Dining & Food (1% value)
₹5,000Travel & Hotels (1.5% value)
₹5,000Groceries (1.5% value)
₹5,000Online Shopping (2% value)
₹10,000Other Spends (1% value)
₹5,000Estimated Annual Spends
₹3,60,000
Annual Value Back
₹5,400
Rewards value at ~₹1 per point.
Annual Fee: ₹500100% Offset
🎉 Your earnings completely offset the annual fee!
Premium Benefits
Core privileges & lounge coverage.
Explore travel, dining, lifestyle, and protection privileges associated with this card tier.
Airport Lounge Access
Complimentary lounge network access details available on issuer portal.
Hotel Privileges
"8 lounge accesses"
Detailed Schedule & Eligibility
Technical fees & documentation requirements.
View interest rates, Forex charges, late fees, and document checkmarks needed for approval.
No secondary fee details registered for this card.
Summary
Pros, cons, rating, and decision metrics.
CredHunt Expert Verdict
Editorial Review Score: 10/10
"Excellent specialized card for medical professionals with valuable professional indemnity insurance coverage; enhanced rewards for dining and travel make it well-rounded for doctors looking for both professional benefits and lifestyle perks"
Expert opinion & editorial scorecard summarizing the card's position.
5.0 / 5
Pros
- Welcome Offer: 2 tickets
- Base Rate: 12 Reward Points per ₹200 on offline spends
- Accelerated Rewards Program: Same as SELECT card
- Travel (Hotels & Other): 8 lounge accesses
Cons
- Dining: 3X RP on dining
- Other Features: Virtual card only
- UPI-enabled for merchant payments
- Cannot be used for peer-to-peer payments
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Customer Reviews
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