How to Apply for a Paytm Credit Card and Enjoy Amazing Benefits

If you are looking for a credit card that offers convenience, rewards, and security, then you should consider applying for a paytm credit card. This is a credit card that is powered by HDFC Bank and Paytm, two of the most trusted names in the financial industry. In this blog post, we will tell you everything you need to know about this credit card, including how to apply, what are the benefits, and how to use it.

How to Apply for a Paytm Credit Card

The application process for a paytm credit card is simple and quick. All you need to do is to download the Paytm app on your device and follow these simple steps:

  • On the main screen, navigate to the Loan & Credit Card section.
  • Choose Paytm Credit Card Loan.
  • Fill in your personal and professional details.
  • Upload your KYC documents such as Aadhaar card, PAN card, etc.
  • Choose your preferred credit limit and repayment tenure.
  • Review and submit your application.

You will get an instant approval decision on your screen. If approved, you will receive your physical credit card within 7 working days at your registered address.

What are the Benefits of a Paytm Credit Card

A paytm credit card comes with a host of benefits that make it one of the best credit cards in the market. Here are some of the benefits that you can enjoy with this credit card:

  • Up to 5% unlimited cashback on all your transactions, which will be credited to your Paytm wallet every month.
  • Benefits worth ₹75,000, including discounts and vouchers from various brands such as Myntra, Zomato, OYO, etc.
  • No annual fee or joining fee for the first year. From the second year onwards, you can waive off the annual fee of ₹499 by spending ₹50,000 or more in a year.
  • No-cost EMI option on purchases above ₹3,000 from select merchants.
  • Interest-free credit period of up to 50 days from the date of purchase.
  • Free access to HDFC Bank’s SmartBuy platform, where you can get exclusive deals and offers on travel, shopping, entertainment, etc.
  • Free insurance cover of up to ₹5 lakh for accidental death or permanent disability due to air travel.
  • Free fraud liability cover of up to ₹2 lakh in case of loss or theft of your card.

How to Use a Paytm Credit Card

Using a paytm credit card is easy and convenient. You can use it for online and offline transactions at any merchant that accepts Visa cards. You can also use it for contactless payments by tapping your card on the POS terminal. You can manage your credit card account through the Paytm app, where you can view your transactions, statements, bills, rewards, etc. You can also pay your credit card bill through the Paytm app using your Paytm wallet balance or any other payment mode such as UPI, debit card, net banking, etc.


A paytm credit card is a great option for anyone who wants to enjoy the benefits of both HDFC Bank and Paytm. It offers unlimited cashback, amazing discounts, no annual fee, no-cost EMI, free insurance, and much more. It also has a simple and quick application process and a user-friendly interface. If you are interested in applying for this credit card, you can download the Paytm app today and start your journey towards financial freedom.

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