{"id":84308,"date":"2026-01-09T15:51:39","date_gmt":"2026-01-09T10:21:39","guid":{"rendered":"https:\/\/piceapp.com\/blogs\/?p=84308"},"modified":"2026-01-09T15:51:43","modified_gmt":"2026-01-09T10:21:43","slug":"paytm-hdfc-business-credit-card","status":"publish","type":"post","link":"https:\/\/piceapp.com\/blogs\/paytm-hdfc-business-credit-card\/","title":{"rendered":"Unlock Cashback &amp; Rewards with the Paytm HDFC Business Credit Card"},"content":{"rendered":"\n<div class=\"wp-block-group has-background\" style=\"background-color:#f2f5f9\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading\" id=\"key-takeaways\">Key Takeaways<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The Paytm HDFC Business Credit Card offers up to 3% cashback on select Paytm spends.<\/li>\n\n\n\n<li>Cashback is capped monthly but covers most routine business transactions.<\/li>\n\n\n\n<li>Welcome bonus and Paytm First membership add immediate value.<\/li>\n\n\n\n<li>Milestone spends help waive joining and renewal fees.<\/li>\n\n\n\n<li>Best suited for merchants frequently using the Paytm ecosystem.<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<p>If most of your payments run through Paytm, this card will fit right into your routine!\u00a0 The Paytm HDFC Business Credit Card rewards your regular spending with up to 3% cashback on select transactions, especially when you pay or shop via the <a href=\"https:\/\/paytm.com\/\" target=\"_blank\" rel=\"noopener\">Paytm<\/a> app.<\/p>\n\n\n\n<p>Even outside Paytm, the card offers cashback on eligible business spends, with a few exclusions. Simple to use and easy to earn from, this co-branded card is designed to give back on the payments you already make every day.<\/p>\n\n\n\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><h2>Table of Contents<\/h2><nav><ul><li><a href=\"#key-rewards-of-using-the-paytm-hdfc-business-credit-card\">Key Rewards of Using the Paytm HDFC Business Credit Card<\/a><\/li><li><a href=\"#additional-paytm-hdfc-business-card-features\">Additional Paytm HDFC Business Card Features<\/a><\/li><li><a href=\"#paytm-hdfc-business-card-fees-charges\">Paytm HDFC Business Card Fees &amp; Charges<\/a><\/li><li><a href=\"#conclusion\">Conclusion<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"key-rewards-of-using-the-paytm-hdfc-business-credit-card\"><strong>Key Rewards of Using the Paytm HDFC Business Credit Card<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"533\" src=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/01\/Paytm-Hdfc-Benefits.jpeg\" alt=\"Key Rewards of Using the Paytm HDFC Business Credit Card\" class=\"wp-image-84366\" style=\"width:840px;height:auto\" title=\"\" srcset=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/01\/Paytm-Hdfc-Benefits.jpeg 800w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/01\/Paytm-Hdfc-Benefits-300x200.jpeg 300w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/01\/Paytm-Hdfc-Benefits-150x100.jpeg 150w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/01\/Paytm-Hdfc-Benefits-768x512.jpeg 768w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><figcaption><\/figcaption><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"cashback-program\"><strong>Cashback Program<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Enjoy 3% cashback for specific purchases on Paytm, including Recharge, Utility,&nbsp; Movies and Mini App.<\/li>\n\n\n\n<li>Get 2% cashback on all other Paytm spends.<\/li>\n\n\n\n<li>Earn 1% cashback on all other retail transactions.<\/li>\n<\/ul>\n\n\n\n<p><strong>Note: <\/strong>Capping on 3%, 2% and 1% cashback is \u20b9500, \u20b9500 and \u20b91,000 per calendar month. It is not available for spends like Fuel, EMIs, Rental, Education Spends, etc.<\/p>\n\n\n\n<p><strong>Welcome Bonus<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Enjoy \u20b9250 worth of gift vouchers for making 2 transactions within 30 days of activation.<\/li>\n\n\n\n<li>Get a Paytm First Membership by activating your Paytm HDFC Business credit card.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"milestone-benefits\"><strong>Milestone Benefits<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Spend \u20b91 lakh within a membership year and get \u20b9500 worth of a gift voucher.<\/li>\n\n\n\n<li>Get a joining fee reversal on spending \u20b930,000 on your card within the first 90 days.<\/li>\n\n\n\n<li>Get your renewal fee waived for spending \u20b950,000 within a calendar year.<\/li>\n<\/ul>\n\n\n\n<p><strong>Note: <\/strong>EMI and Rental spends will not count as spends.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"additional-paytm-hdfc-business-card-features\"><strong>Additional Paytm HDFC Business Card Features<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Enjoy up to 20% discount on partner restaurants for dineout using your Paytm HDFC Business credit card.<\/li>\n\n\n\n<li>Enjoy convenient contactless payments through this card.<\/li>\n\n\n\n<li>Get instant business loans with the Paytm HDFC Business credit card.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"paytm-hdfc-business-card-fees-charges\"><strong>Paytm HDFC Business Card Fees &amp; Charges<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Charges<\/strong><\/td><td><strong>Amount and Conditions<\/strong><\/td><\/tr><tr><td>Joining\/renewal Fees<\/td><td>\u20b9500 (Both waivable)<\/td><\/tr><tr><td>Cash Withdrawal Fee<\/td><td>2.5% of the withdrawal amount or \u20b9500, whichever is higher.<\/td><\/tr><tr><td>Interest on Late Payments<\/td><td>3.75% per month (45% p.a)<\/td><\/tr><tr><td>Late Payment Fee<\/td><td>\u20b90 to \u20b91,300, depending on the due amount.<\/td><\/tr><tr><td>Foreign Exchange fee (Forex Fee)<\/td><td>3.50% of the transaction amount.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>\ud83d\udca1Never miss a credit card payment and be liable for high interest charges! Set up automatic bill payments with <a href=\"https:\/\/piceapp.com\/\">the Pice App<\/a> today.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"conclusion\">Conclusion<\/h2>\n\n\n\n<p>The Paytm HDFC Business Credit Card is ideal for businesses that rely on Paytm for daily transactions. With strong cashback rates, milestone benefits, and fee waivers, it rewards routine spending efficiently. If Paytm is central to your payments, this card delivers consistent value.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"fa-qs\">FAQs<\/h3>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1767953456418\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">What is the maximum cashback on the Paytm HDFC Business Credit Card?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>You can earn up to 3% cashback on eligible Paytm transactions.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1767953480297\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Is the Paytm HDFC Business Credit Card good for non-Paytm spends?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Yes, it offers 1% cashback on other retail transactions.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1767953499415\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Are fuel and EMI transactions eligible for cashback?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>No, fuel, EMI, rental, and education spends are excluded.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1767953524032\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Does the card offer a welcome benefit?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Yes, you get \u20b9250 gift vouchers and Paytm First membership.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1767953541696\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">What is the joining fee for the Paytm HDFC Business Credit Card?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>The joining fee is \u20b9500, which can be waived on meeting spend criteria.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1767953560224\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">What is the interest rate on late payments?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Late payments attract 3.75% monthly interest.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Key Takeaways If most of your payments run through Paytm, this card will fit right into your routine!\u00a0 The Paytm HDFC Business Credit Card rewards your regular spending with up to 3% cashback on select transactions, especially when you pay or shop via the Paytm app. Even outside Paytm, the card offers cashback on eligible [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":84365,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-84308","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-card"],"_links":{"self":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/84308","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/comments?post=84308"}],"version-history":[{"count":2,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/84308\/revisions"}],"predecessor-version":[{"id":84367,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/84308\/revisions\/84367"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media\/84365"}],"wp:attachment":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media?parent=84308"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/categories?post=84308"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/tags?post=84308"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}