Paytm HDFC Bank Digital Credit Card Review 2026: Fees & Rewards
Get 2% cashback on Paytm Scan & Pay, Swiggy, and Uber with the Paytm HDFC Bank Digital Credit Card. Low ₹149 fee and 1:1 reward value. Apply now!
The Paytm HDFC Bank Digital Credit Card is a solid entry-level choice for digital-first users who rely on the Paytm ecosystem for daily payments. While it lacks premium perks like lounge access, its 1:1 cashback redemption value for statement credit makes it highly efficient for small-ticket spenders.
Incredible Cashback that matches your unique style.
The Bottom Line
The Paytm HDFC Bank Digital Credit Card is a solid entry-level choice for digital-first users who rely on the Paytm ecosystem for daily payments. While it lacks premium perks like lounge access, its 1:1 cashback redemption value for statement credit makes it highly efficient for small-ticket spenders. With a ₹149 annual fee that is waived on ₹25,000 yearly spend, it offers 0% rewards on paytm scan & pay and 150 bonus points. For anyone researching paytm hdfc bank digital credit card, the verdict is simple: recommended.
It earns a base reward rate of 1% and stacks best when your spending lines up with Paytm Power User, Budget-Conscious Spender. The renewal fee gets easier to justify once you can hit ₹25,000 in yearly spend.
Who Should Get This Card
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Best fit for
IdealIdeal for those who frequently use Paytm for Scan & Pay and utility payments.
Low entry cost and simple cashback structure for daily essentials.
Probably not for
SkipLacks lounge access and travel-specific reward multipliers.
Low monthly reward caps limit the value for high-volume transactions.
Is It Worth It For You?
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Reward Rates
Paytm HDFC Bank Digital Credit Card offers 1% basic reward rate.
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Welcome Offer
Milestone Benefits
Bonus Points
Fees & Charges
Eligibility
- Min Income: ₹3 Lakhs
- Min Credit Score: 700
- Salaried: Age 21-60 years, Monthly Income > ₹25,000. Self-Employed: Age 21-65 years, Annual ITR > ₹6 Lakhs.
Exclusions & Terms
Fuel
Wallet Loads
EMI Transactions
Rental Payments
Government Spends
Education Spends (via 3rd party apps)
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Frequently Asked Questions
3 data-backed answers from our card database