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HDFC BANK LTD
Paytm HDFC Bank Digital Credit Card
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Verified Catalog
Source: HDFC BANK LTD Official
Updated: Aug 2026
Overview
Editorial snapshot & Positioning.
Digital-first credit card focused on UPI payments and mobile transactions with exclusive Paytm platform benefits
Key features
Highlights and rewards metrics.
The strongest rewards and lifestyle perks are surfaced as concise highlights.
Highlight 1
Digital-only card
Highlight 2
Basic cashback benefits
Highlight 3
No cash withdrawal facility
Highlight 4
Higher minimum amount due (10% versus standard 5%)
Technical details
Fees structure and lounge network details.
Joining fee, annual fee, and lounge network coverage are shown in a minimal data grid.
Joining fee
₹149
The front-loaded charge when you apply.
Annual fee
₹149
Shown alongside the annual renewal cost.
Networks
Domestic & Int'l
Lounge network compatibility.
Rewards Calculator
Interactive Spend & Earning Estimation.
Slide to match your average monthly spending across categories and see how much value you earn back in a year.
Monthly Spending Profile
Dining & Food (1% value)
₹5,000Travel & Hotels (1.5% value)
₹5,000Groceries (1.5% value)
₹5,000Online Shopping (2% value)
₹10,000Other Spends (1% value)
₹5,000Estimated Annual Spends
₹3,60,000
Annual Value Back
₹5,400
Rewards value at ~₹1 per point.
Annual Fee: ₹149100% Offset
🎉 Your earnings completely offset the annual fee!
Premium Benefits
Core privileges & lounge coverage.
Explore travel, dining, lifestyle, and protection privileges associated with this card tier.
Airport Lounge Access
Complimentary lounge network access details available on issuer portal.
Hotel Privileges
"4 lounge accesses/year"
Detailed Schedule & Eligibility
Technical fees & documentation requirements.
View interest rates, Forex charges, late fees, and document checkmarks needed for approval.
No secondary fee details registered for this card.
Summary
Pros, cons, rating, and decision metrics.
CredHunt Expert Verdict
Editorial Review Score: 10/10
"Good option for frequent travelers who want to earn miles across multiple airlines; insurance benefits add value, particularly the purchase protection for high-value items; double points on AllMiles website enhances overall earning potential"
Expert opinion & editorial scorecard summarizing the card's position.
5.0 / 5
Pros
- Welcome Offer: 4 tickets
- Base Rate: Basic reward points on other categories
- Accelerated Rewards Program: 8 reward points per ₹200 spent on select categories (capped at 1,500 reward points per statement cycle)
- Travel (Hotels & Other): 4 lounge accesses/year
Cons
- Other Features: Automatic EMI conversion for transactions above preset limit
- insurance benefits add value, particularly the purchase protection for high-value items
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Customer Reviews
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