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HDFC BANK LTD
Paytm HDFC Bank Select Credit Card
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Verified Catalog
Source: HDFC BANK LTD Official
Updated: Aug 2026
Overview
Editorial snapshot & Positioning.
Premium co-branded credit card offering enhanced cashback on Paytm transactions, airport lounge access, and lifestyle benefits with competitive rewards on everyday spending
Key features
Highlights and rewards metrics.
The strongest rewards and lifestyle perks are surfaced as concise highlights.
Highlight 1
Up to 5% unlimited cashback
Highlight 2
Paytm First Membership with benefits worth up to ₹75,000
Highlight 3
8 complimentary airport lounge access
Highlight 4
Gift vouchers worth ₹500 every calendar quarter
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
₹1,000
The front-loaded charge when you apply.
Annual fee
₹1,000
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: ₹1,000100% 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 airport lounge access included with card membership.
Visits: 1 Domestic / 0 International per year.
Hotel Privileges
"4 domestic 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
"Good travel rewards card with flexible redemption options for airline miles; decent dining benefits and reasonable fee waiver conditions make it suitable for moderate spenders who travel occasionally"
Expert opinion & editorial scorecard summarizing the card's position.
5.0 / 5
Pros
- Welcome Offer: 5k 6E points
- Base Rate: 18 Reward Points per ₹200 on offline spends
- Accelerated Rewards Program: 8 reward points per ₹200 on grocery, department stores, dining spends
- Travel (Hotels & Other): 4 domestic lounge accesses
Cons
- Dining: 2X RP on dining
- Other Features: Add-on subscription plans for higher rewards
- decent dining benefits and reasonable fee waiver conditions make it suitable for moderate spenders who travel occasionally
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