Paytm HDFC Bank Select Credit Card credit card
Cashback

Paytm HDFC Bank Select Credit Card

HDFC logo HDFC
8.3
CardTrail Score
Very Good
out of 10
Net Value
9.3
Accessibility
7.5
Feature Depth
6.5
Bank Trust
9.0
How we score →
Annual Fee
₹1,000
Spend Rs 1.5L/year
Forex Markup
3.5%
Reward Rate
1%
Up to 5%
Lounge Access
8
domestic | 0 intl

About This Card

The Paytm HDFC Bank Select Credit Card is the premium variant offering 5% cashback on Paytm and 3% on popular brands like Swiggy, BigBasket and Uber. Includes 8 domestic lounge visits and Rs 2,000 in annual milestone vouchers. Best for heavy Paytm users who want lounge access alongside cashback.

Pros & Cons

Pros

  • 5% cashback on Paytm ecosystem is best-in-class
  • 3% accelerated cashback on popular brands (Swiggy, Ajio, BigBasket)
  • 8 domestic lounge visits per year
  • Up to 20% dining discounts via Dineout

Cons

  • Rs 1,000 annual fee requires Rs 1.5L spend for waiver
  • 1% cashback on other spends capped at Rs 2,000/month
  • No international lounge access
  • 3.5% forex markup

Fee Details

Annual Fee
₹1,000
Joining Fee
₹1,000
Fee Waiver Condition
Spend Rs 1.5L/year
Fuel Surcharge Waiver
Yes
EMI Conversion
Yes

Reward Structure

Base Rate
1%
Max Rate
5%
Currency
Cashpoints
Welcome Bonus
Rs 1,000 joining fee waived on Rs 50K spend in 90 days

Lounge Access

Domestic Lounges
8
per year
International Lounges
0

Key Highlights

  • 5% Cashpoints on Paytm spends
  • 3% Cashpoints on Swiggy, Ajio, BigBasket, Uber
  • 1% Cashpoints on other retail spends (capped Rs 2,000/month)
  • 8 complimentary domestic lounge visits per year
  • Rs 2,000 annual milestone gift vouchers

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Active Offers (1)

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Offer 25d left

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Quick Summary

Best For
cashback paytm
Annual Fee ₹1,000
Base Reward 1%
Max Reward 5%
Forex Markup 3.5%
Network Visa
Min Income ₹5L+

CardTrail Score

8.3
/ 10

Scored across rewards, fees, lounge access, forex, and overall value. Methodology.

Best For

cashback paytm lounge

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