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Paytm HDFC Bank Select Credit Card

Paytm HDFC Bank Select Credit Card is a co-branded rewards card designed for everyday spending. It offers accelerated Cashpoints on Paytm transactions, bonus rewards on popular online brands, and dining discounts at partner restaurants, making it suitable for users who shop, pay bills, and dine frequently.

Paytm HDFC Bank Select Credit Card

About Paytm HDFC Bank Select Credit Card

This co-branded credit card sits at the higher end of the two variants designed for digital-first users. It comes with an enhanced rewards structure, offering higher Cashpoints on app-based transactions compared to the entry-level version. In addition, select everyday brands earn bonus Cashpoints, making the card useful for regular online shopping, food delivery, groceries, and ride bookings.

The card also adds travel convenience by providing complimentary access to domestic airport lounges each year, a benefit not available on the basic variant. While bundled membership benefits are no longer included, cardholders can offset the joining and renewal charges by meeting defined annual spending thresholds.

Additional perks include annual milestone rewards in the form of vouchers, savings on fuel purchases through surcharge waivers, and attractive dining discounts at partner outlets. Overall, this card is well suited for users who prefer digital payments, spend frequently on popular online platforms, and want modest travel privileges along with everyday rewards.

Rewards Program & Milestone Benefits

Reward Earnings

  • Earn elevated Cashpoints on transactions made through the linked payment app, covering recharges, bill payments, entertainment, and in-app purchases, with a monthly reward limit.

  • Receive bonus Cashpoints on select everyday brands such as food delivery, shopping, groceries, and cab services, subject to a separate monthly cap.

  • All other eligible purchases earn base-level Cashpoints, up to a defined monthly maximum.

Milestone Benefit

  • Unlock shopping vouchers by achieving a minimum spending target within a calendar quarter.

Other Features & Benefits

  • Airport Lounge Access: Enjoy complimentary entry to domestic airport lounges a limited number of times each year, with a quarterly usage cap.

  • Fuel Savings: Get a fuel surcharge waiver on eligible fuel purchases made within a specified transaction range, subject to monthly limits.

  • Fee Waiver Options: The joining fee can be reversed by meeting a spending target shortly after card activation, while the annual fee is waived on reaching a defined yearly spend.

  • Dining Offers: Avail attractive discounts on dining bills at participating restaurants through a partner dining platform.

Paytm HDFC Bank Select Credit Card Reward Points & Cashback Calculator

Reward Points Calculator

Paytm HDFC Bank Select Credit Card: Fees & Charges

Particulars Amount
Joining Fee Rs. 1,000 + Applicable Taxes
Annual Fee Rs. 1,000 + Applicable Taxes
Financial Charges 3.75% p.m. | 45% p.a.
Late Payment Charges
For outstanding balance:
Up to Rs. 100 Nil
Rs. 101 to Rs. 500 Rs. 100
Rs. 501 to Rs. 1,000 Rs. 500
Rs. 1,001 to Rs. 5,000 Rs. 600
Rs. 5,001 to Rs. 10,000 Rs. 750
Rs. 10,001 to Rs. 25,000 Rs. 900
Rs. 25,001 to Rs. 50,000 Rs. 1,100
More than Rs. 50,000 Rs. 1,300

Things to Know Before You Apply

This card is suitable for you if:

  • You regularly make payments and purchases through the Paytm app and want higher rewards on such spends.

  • Your online shopping often includes food delivery, fashion, or grocery platforms.

  • You are comfortable meeting the yearly spend requirement to get the annual fee waived.

  • You travel within India occasionally and want a co-branded card that offers essential travel perks.

Steps to Close Paytm HDFC Bank Select Credit Card

If you want to close your Paytm HDFC Bank Select Credit Card, you can submit a request online through the official portal of HDFC Bank. Follow the steps below to complete the closure process easily.

  1. Online Closure Process

    • Visit the official MyCards portal of HDFC Bank

    • Enter your registered 10-digit mobile number

  2. OTP Verification

    • Enter the OTP received on your registered mobile number

    • This step ensures secure identity verification

  3. Select the Credit Card

    • Choose the Paytm HDFC Bank Select Credit Card you want to close

    If your card is not registered:

    • Enter the last 4 digits of your credit card

    If you have multiple cards:

    • Select the specific card from the list or add it manually

    If you have only one card:

    • You will be automatically moved to the next step

  4. Choose Closure Reason

    • Select the reason for closing your credit card

    • This helps the bank process your request efficiently

  5. Final Authentication

    • Confirm your request using OTP authentication

    • This ensures the request is authorized by you

  6. Request Submission

    • Once completed, your credit card closure request will be submitted successfully

    • You will receive confirmation via SMS or email

Important Points to Remember

  • Clear all outstanding dues before raising the request

  • Redeem reward points, as they may expire after closure

  • Cancel auto-debits or subscriptions linked to your card

  • Do not use the card after submitting the closure request

After Closure

  • Cut your credit card across the chip and magnetic strip

  • Check your credit report after a few weeks to ensure the status shows “Closed”

Processing Time

  • The closure request is usually processed within a few working days, provided there are no pending dues

Paytm HDFC Bank Select Credit Card Helpline Number

If you need assistance with your Paytm HDFC Bank Select Credit Card, you can contact the customer support team of HDFC Bank for help with billing, payments, card blocking, and other services.

📞 Customer Care Numbers (India)

These numbers are available across India for general banking and credit card support

Customers Calling from Abroad

International call charges may apply as per your service provider

Premium Customer Support

For customers with premium accounts or cards (such as Imperia, Diners Black, and Infinia):

Complaint Support

You can use this number to register complaints or escalate issues

Grievance Redressal (Credit Cards)

  • Contact Number: 044 – 6108 4900

  • Timings: Monday to Saturday, 9:30 AM to 5:30 PM

  • Closed on 2nd & 4th Saturdays, Sundays, and bank holidays

General Grievance Support

  • Helpline Number: 1800 266 4060

  • Timings: Monday to Saturday, 9:30 AM to 5:30 PM

NRI Phone Banking (24×7)

Charges may vary depending on your telecom operator

Services Available

You can contact customer care for:

  • Credit card billing and statement-related queries

  • Payment and transaction assistance

  • Reporting lost or stolen cards

  • Card blocking, replacement, or upgrade requests

  • General banking and account-related support

Important Tips

  • Always use official helpline numbers for secure communication

  • Keep your registered mobile number and card details ready for verification

  • Never share confidential information like OTP, PIN, or CVV

  • Note down the reference number for tracking your request

FAQs

Are there any spending-based rewards on this card?

Yes, cardholders can earn a quarterly milestone reward by meeting a predefined spend threshold within a calendar quarter, after which a shopping voucher is issued.

Your statement is shared digitally on your registered email ID. It can also be viewed and downloaded through the issuer’s online banking or card management portal.

Yes, applications can be submitted online through digital banking platforms or the associated payment app by completing the application process and uploading the required documents.

Eligible bill payments made through the linked payment app qualify for reward earnings. Transactions carried out via other platforms are not included for rewards.

Yes, the card provides complimentary access to domestic airport lounges each year, with a fixed limit on the number of visits per quarter.