Earn 5% CashPoints on Paytm spends (Recharge, Utility, Travel, Movies, Mini App); 1 CashPoint = ₹1; capped at 1,500 CashPoints (₹1,500) per month
Earn 3% CashPoints on Swiggy, AJIO, BigBasket & Uber; 1 CashPoint = ₹1; capped at 500 CashPoints (₹500) per month on accelerated categories
Earn 1% CashPoints on all other retail transactions; 1 CashPoint = ₹1; capped at 2,000 CashPoints (₹2,000) per month
Get Up to 10% savings on annual spends of ₹8,00,000
Get Gift vouchers worth ₹500 on spending ₹50,000 per calendar quarter (non-EMI, non-rental)
Fees
Joining FeePaytm First Membership on card activation (minimum 1 transaction of ₹100 required within 365 days).
₹1,180
₹1,000 + GST
Annual FeeThe annual fee is waived if you spend ₹1.5 lakh or more in a year on your card, as per bank policy.
₹1,180
₹1,000 + GST
Eligibility
Age
21-65 years
Salary
₹30K / Month
Credit Score
750+
Bank Fee Structure
Forex Markup3.5% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency. Examples (3.5%): ₹100 → ₹3.5 ₹1,000 → ₹35 ₹10,000 → ₹350 ₹1,00,000 → ₹3,500
3.50%
Finance Charges (APR)Finance charges of 3.75% per month (45% per annum) apply on unpaid outstanding balances until the amount is fully repaid
3.75%
ATM Withdrawal2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable).
2.50%
Reward RedemptionNo fee is charged when redeeming reward points on this card.
Not Applicable
Railway Surcharge1% fee applicable on rental transactions from the second rental transaction onwards in the same calendar month
1%
Rent Payment1% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST and platform charges
1%
Cheque PaymentOutstation cheque: ₹25 (up to ₹5,000), ₹50 (above ₹5,000) per chequ
₹25
Cash Payment₹100 per cash payment.
₹100
Late Payment Charges
Amount due
Fee
₹0 - ₹100
₹0
₹101 - ₹500
₹100
₹501 - ₹1,000
₹500
₹1,001 - ₹5,000
₹600
₹5,001 - ₹10,000
₹750
₹10,001 - ₹25,000
₹900
₹25,001 - ₹50,000
₹1100
₹50,000 and above
₹1300
An additional Late Payment Charge of ₹100 will be levied on missing payment of Minimum Amount Due (MAD) by the due date for two consecutive cycles. This charge will continue to be levied for every payment cycle until the MAD is cleared
No Rewards On
Fuel PurchasesEMI Transactions (including retro-converted EMIs)Wallet LoadsRent PaymentsGovernment ServicesEducation Payments via Third-Party AppsOnline Skill-Based GamingJewellery PurchasesCash AdvancesPayment of Outstanding BalancesPayment of Card Fees and Other ChargesInsurance ServicesUtility Spends.
Excluded Spends
Fuel PurchasesEMI Transactions (including purchases converted to EMI post facto)Wallet LoadsRent PaymentsGovernment ServicesEducation Payments via Third-Party AppsJewellery PurchasesCash AdvancesPayment of Outstanding BalancesPayment of Card Fees and Other ChargesInsurance ServicesUtility Spends.
Terms & Conditions
The bank may offer a different card variant based on your eligibility. Please carefully read the features of the card offered before submitting your application
A minimum transaction of Rs.100 within 30 days is required to activate the card, otherwise, you won’t be eligible for the Rewards
