Business Paytm Credit Card: A Smart Way to Manage Your Finances

If you are looking for a credit card that offers convenience, flexibility, and rewards, 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 explore some of the key features and benefits of this credit card, and how you can apply for it in a few simple steps.

What is a paytm credit card?

A paytm credit card is a credit card that is linked to your Paytm wallet. This means that you can use your Paytm balance to pay for your credit card bills, and also earn cashback on every transaction. You can also use your credit card to make payments on various online and offline platforms that accept Paytm, such as e-commerce sites, utility bills, travel bookings, movie tickets, and more.

What are the benefits of a paytm credit card?

A paytm credit card offers a range of benefits that make it an attractive option for anyone who wants to manage their finances smartly. Some of the benefits are:

  • No annual fee: Unlike many other credit cards, a paytm credit card does not charge any annual fee or joining fee. This means that you can enjoy the benefits of the card without paying any extra charges.
  • Low interest rate: A paytm credit card offers a low interest rate of 1.99% per month, which is much lower than the average interest rate of 3-4% per month charged by other credit cards. This means that you can save money on interest payments and repay your dues faster.
  • Flexible repayment options: A paytm credit card gives you the option to choose your repayment mode and tenure. You can either pay the full amount or the minimum amount due every month, or opt for an EMI plan that suits your budget. You can also change your repayment mode and tenure anytime through the Paytm app.
  • Cashback on every transaction: A paytm credit card rewards you with cashback on every transaction that you make using the card. You can earn up to 5% cashback on movies and travel, 2% cashback on recharges and bill payments, and 1% cashback on all other spends. The cashback is credited to your Paytm wallet within 24 hours of the transaction.
  • Easy application process: A paytm credit card has a simple and quick application process that can be done through the Paytm app. 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 credit limit and repayment mode.
    • Accept the terms and conditions and submit your application.
    • Wait for the approval from HDFC Bank.
    • Once approved, you will receive your physical credit card within 7 working days.

How to use a paytm credit card?

A paytm credit card is easy to use and manage through the Paytm app. You can do the following things with your credit card through the app:

  • Check your balance, statement, due date, and available limit.
  • Pay your credit card bill using your Paytm balance or any other payment method.
  • Convert your transactions into EMIs with attractive interest rates and tenures.
  • Apply for a loan against your credit limit with instant approval and disbursal.
  • Block or unblock your credit card in case of loss or theft.
  • Contact customer care for any queries or issues.


A paytm credit card is a smart way to manage your finances and enjoy various benefits. It offers convenience, flexibility, low interest rate, cashback, and easy application process. If you are interested in applying for a paytm credit card, you can visit Paytm’s website or download the Paytm app on your device and follow the steps mentioned above.

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