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HDFC Bank
Paytm HDFC Bank Credit Card
VisaEntryCashback
💰
Annual Fee
₹500
🎁
Reward Type
Cashback
🌍
Forex
3.5%
✈️
Lounge
0 dom · 0 intl
Full Spec Sheet
Multi-source VerifiedFees
Joining Fee₹500
Annual Fee₹500(waived ≥ ₹50,000)
Min Monthly Income₹25,000
Rewards
Reward TypeCashback
Base Rate1%
Point Value₹1/point
Category Multipliers
wallet3%(cap ₹500)
Travel & Global
Forex Markup3.5%
Domestic LoungeNone
Intl. LoungeNone
Similar Cards
💡 Fee Waiver Strategy
Spend ₹50,000/year to waive the annual fee.
⚖️ Breakeven Analysis
To recover the ₹500 annual fee at the base reward rate of 1%, you need to spend ₹50,000 annually.
🎯 Pro Tips
- ▸3% cashback on Paytm app (bill payments, recharges, Paytm Mall) — up to ₹500/month.
- ▸Cashback credited as Paytm balance — unlike Paytm SBI card which credits as bank cashback.
- ▸1% on all other spends.
- ▸Good for heavy Paytm users — ₹500 cashback cap/month = ₹6,000/year from Paytm alone.
- ▸Distinct from Paytm SBI Select — this is HDFC-issued, not SBI.
📊 Spend Profile Simulator
Spend Profile Simulator
Net Annual Value
+₹11,500
Effective Rate
1.0%
Ranked #84 of 173 cards#84
₹500 annual fee deducted from gross rewards value.
🏷️ Best For
cashbackshoppingco-brandedfirst-card