Paytm Credit

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 features, and what are the benefits.

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.
  • Accept the terms and conditions and submit your application.

You will receive an instant approval or rejection notification on your app. If approved, you will receive your physical credit card within 7 working days.

What are the Features of a Paytm Credit Card

A paytm credit card is not just any ordinary credit card. It is a credit card that offers unparalleled convenience and benefits for the modern consumer. Here are some of the key features that make it stand out from the crowd:

  • No annual fee: You don’t have to pay any annual fee or maintenance charges for using this credit card. You only pay interest on the amount you borrow and repay.
  • Flexible credit limit: You can choose your own credit limit from Rs. 10,000 to Rs. 5 lakhs, depending on your eligibility and income. You can also increase or decrease your credit limit anytime through the app.
  • Easy repayment: You can repay your credit card dues in easy EMIs through the app. You can choose your repayment tenure from 3 months to 36 months, depending on your convenience and budget. You can also make partial or full prepayments without any penalty or charges.
  • Instant disbursal: You can get instant access to funds through your credit card anytime and anywhere. You can use it for online or offline transactions, bill payments, recharges, shopping, travel, etc. You can also transfer money from your credit card to your bank account or wallet in seconds.
  • Secure transactions: You can enjoy secure and hassle-free transactions with your credit card. You can use biometric authentication or OTP verification for every transaction. You can also lock or unlock your card through the app in case of loss or theft.

What are the Benefits of a Paytm Credit Card

A paytm credit card is not just a credit card that offers convenience and features. It is also a credit card that offers amazing benefits and rewards for every transaction. Here are some of the benefits that you can enjoy with this credit card:

  • Up to 5% unlimited cashback: You can earn up to 5% unlimited cashback on every transaction with your credit card. The cashback will be credited to your Paytm wallet within 24 hours of the transaction. You can use it for any purpose without any restrictions or expiry date.
  • Benefits worth Rs. 75,000: You can get benefits worth Rs. 75,000 with your credit card every year. These include discounts, vouchers, coupons, cashbacks, and offers from various brands and merchants across categories such as food, entertainment, travel, shopping, etc.
  • Free insurance cover: You can get free insurance cover of up to Rs. 5 lakhs with your credit card. This includes accidental death cover, permanent disability cover, hospitalization cover, critical illness cover, etc. You don’t have to pay any premium or charges for this insurance cover.
  • Free access to airport lounges: You can get free access to select domestic and international airport lounges with your credit card. You can enjoy complimentary refreshments, Wi-Fi, magazines, newspapers, etc. while waiting for your flight.


A paytm credit card is a game-changer in the financial industry. It is a credit card that offers convenience, rewards, and security for the modern consumer. If you want to apply for this credit card, you can do so easily through the Paytm app in minutes. You can also enjoy amazing benefits and features with this credit card every time you use it.

So what are you waiting for? Apply for a paytm credit card today and enjoy the best of both worlds.