Paytm Business Credit Card: fees, rewards & benefits

Rewards, as stated by the issuer

3% CashPoints on Paytm spends (Recharge, Utility, Movies & Mini App
2% CashPoints on select Paytm spends
1% CashPoints on all retail spends
₹250 Gift Voucher on activation
₹500 Gift Voucher on spending ₹1 lakh in a year
3% CashPoints on purchases on Paytm [Recharge + Utility + Movies + Mini App] Max. Cap per Calendar Month - ₹ 500
2% CashPoints on all other Select Paytm Spends. Max. Cap per Calendar Month - ₹ 500
1% CashPoints on all other Retail Spends Max. Cap per Calendar Month - ₹1000
CashPoints are not applicable for wallet loads, fuel spends, EMI spends, rental spends and education spends
CashPoints can be redeemed as CashBack along with other redemption categories
Effective 1st April 2023, CashPoints for a particular month shall be accrued in your card account in the first week of the subsequent month on a cumulative basis. To know more
Effective 1st January 2023, CashBack accruals and redemptions have undergone the below mentioned changes
Rental Payments – No CashBack will be given on rental payments
Education Spends – No CashBack will be given on education spends
Grocery Spends - Accruals on Grocery Spends will be capped at 1000 CashPoints per month
Travel Redemption – Redemption of Travel Reward Points will be capped at 50,000 points per month
Effective 1st February 2023, CashBack redemptions have further been modified as under
Overall CashBack redemption will be capped at 3000 points per month

1% Fuel Surcharge Waiver
Up to 20% Discount on partner restaurants via Dineout
SmartPay for automated utility bill payments
Contactless Payments for quick and secure transactions
Quick Business Loan eligibility check
Zero Cost Liability on reporting lost card
Save up to ₹18,000 annually*
Just like 33 lakh+ Paytm HDFC Bank Business Credit Cardholders
Utility Bill Payments: Register your Credit Card with SmartPay, HDFC Bank's Utility Bill payment service. You can then ensure that all your utility bills are paid on time, conveniently and easily
Zero cost liability: If you lose your Card, report it immediately to our 24-hour call centre. After reporting the loss, you have zero liability for any fraudulent transactions made on your card
Fuel Surcharge Waiver: 1% fuel surcharge waived off on fuel transactions (on minimum transaction of ₹400 & maximum transaction of ₹5,000. Maximum waiver of ₹250 per statement cycle
Dining Benefit: Upto 20% discount* on partner restaurants via Dineout while using your HDFC Bank Credit Card

Please Note: Paytm First Membership is provided by Paytm. For any queries, please reach out to Paytm Customer Care
This feature won’t be applicable for customers on boarded on or after 10th September 2024
Enjoy ₹250 worth Gift Voucher upon card activation with 2 transactions in first 30 days. (Non-EMI Spends
Qualified customers will be communicated for availing Gift Vouchers
Milestone Benefit: Enjoy ₹500 worth Gift Voucher on spends of ₹1 lakh in a year (Non-EMI, Non-Wallet and Non-Rental Spends). Qualified customers will be communicated for availing Gift Vouchers
Please Note: This offer is only applicable for 1 year of card issuance

None listed.

No airport lounge rule is listed on this card's page.

1% Fuel Surcharge Waiver
Save up to ₹18,000 annually*
Fuel Surcharge Waiver: 1% fuel surcharge waived off on fuel transactions (on minimum transaction of ₹400 & maximum transaction of ₹5,000. Maximum waiver of ₹250 per statement cycle). Click Here to know more on Fuel Surcharge.
Membership Fee: ₹ 500 + GST
Renewal Year Fee waived upon spending ₹ 50,000 (Non-EMI spends) in the 12 months period
International DCC Transactions: 1% mark-up fees to be levied on International DCC Transactions