What is the annual fee of the Paytm HDFC Bank Credit Card?

Rs 500 a year, before GST. It is waived if you spend Rs 50,000 in a year.

Does the Paytm HDFC Bank Credit Card give airport lounge access?

No lounge access is listed for this card.

What is the forex markup on the Paytm HDFC Bank Credit Card?

3.5% of each foreign-currency transaction, before GST.

Which spends earn no rewards on the Paytm HDFC Bank Credit Card?

Fuel, wallet, education, rent, government, EMI

M16S / HDFC Bank / Paytm HDFC Bank Credit Card

entry · cobrand, cashback

Paytm HDFC Bank Credit Card

HDFC Bank · with PaytmVisaLast checked 11 Oct 2026closed to new applicants

The Paytm HDFC Bank Credit Card costs Rs 500 a year, waived if you spend Rs 50,000 in a year. Its base return is 1% (1% on other retail spends). Accelerated earn: 3% on Paytm Mall, movies, mini apps; 2% on other Paytm spends. The forex markup is 3.5%. It lists no airport lounge access. Read from the issuer's documents and an aggregator on 11 Oct 2026.

Annual fee: Rs 500+ GST
Fee waived at: Rs 50,000annual spend
Base return: 1%
Forex markup: 3.5%
Interest: 3.75%a month

Fees

Joining fee	Rs 500
Annual fee	Rs 500
Annual spend that waives the fee	Rs 50,000
Fee notes	First-year fee waived on Rs 30,000 spend in 90 days; renewal waived on Rs 50,000 annual spend (MITC).

Rewards

Reward currency	CashPoints
Base earn	1% on other retail spends
Base returnunverified	1%
Point valueunverified	1 CashPoint = Re 1 against statement (not confirmed)
Accelerated earn	3% on Paytm Mall, movies, mini apps; 2% on other Paytm spends
Capsunverified	3%: Rs 500/month; 2%: Rs 500/month; 1%: Rs 1,000/month; cashback redemption 3,000 points/month (MITC)
Spends that earn nothing	Fuel, wallet, education, rent, government, EMI
Reward notes	Base return = 1%, assuming Re 1 per CashPoint.

Travel and perks

Domestic lounge	None
International lounge	None
Forex markupunverified	3.5%
Fuel surcharge waiver	1% on txns of Rs 400+, cap Rs 250 per cycle

Charges and eligibility

Interest per month	3.75%
Late payment fee	On outstanding balance: up to Rs 100 nil; 101-500 Rs 100; 501-1,000 Rs 500; 1,001-5,000 Rs 600; 5,001-10,000 Rs 750; 10,001-25,000 Rs 900; 25,001-50,000 Rs 1,100; above 50,000 Rs 1,300 (MITC)
Cash advance fee	2.5% of amount, min Rs 500
Eligibility	Closed to new applicants (aggregator)
Fine-print notes	MITC also lists a 'Paytm HDFC Bank Digital Credit Card' (Rs 149 p.a., no cash withdrawal); not documented separately. Bank-wide charges per MITC: 1% fee on rent payments (cap Rs 4,999/txn); 1% on utility spends above Rs 50,000/month (Rs 75,000 on business cards); 1% on wallet loads above Rs 10,000/month (PayZapp exempt); 1% on fuel spends above Rs 15,000/month (Rs 30,000 business); 1% on online skill gaming above Rs 10,000/month; 1% on education paid via third-party apps; 1% + GST on railway tickets; 1.75% markup on INR transactions at overseas merchants from 15 May 2026. Points lapse if the card is unused for 365 days.

Questions

What is the annual fee of the Paytm HDFC Bank Credit Card?: Rs 500 a year, before GST. It is waived if you spend Rs 50,000 in a year.
Does the Paytm HDFC Bank Credit Card give airport lounge access?: No lounge access is listed for this card.
What is the forex markup on the Paytm HDFC Bank Credit Card?: 3.5% of each foreign-currency transaction, before GST.
Which spends earn no rewards on the Paytm HDFC Bank Credit Card?: Fuel, wallet, education, rent, government, EMI