How to Apply for a Paytm Credit Card

If you are looking for a credit card that offers convenience, security, and rewards, then you might want to 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 benefits, and how to use it.

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.
  • Review and submit your application.

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

What are the Benefits of a Paytm Credit Card

A paytm credit card comes with a host of benefits that make it an attractive option for anyone who wants to enjoy cashless transactions and rewards. Some of the benefits are:

  • No annual fee: You don’t have to pay any annual fee for using this credit card. You only have to pay interest on the amount you borrow and a nominal processing fee.
  • Flexible repayment: You can choose your own repayment tenure from 3 months to 36 months. You can also prepay or foreclose your loan at any time without any penalty.
  • Cashback rewards: You can earn up to unlimited cashback on your spending with this credit card. You can get 5% cashback on movies and travel, 2% cashback on recharges and bill payments, and 1% cashback on all other spend. The cashback will be credited to your Paytm wallet every month.
  • Security features: You can enjoy enhanced security features with this credit card. You can lock or unlock your card anytime from the app. You can also set your own spending limit and PIN. You can also get real-time alerts and notifications on your transactions.
  • Exclusive offers: You can also avail exclusive offers and discounts from various merchants and partners of Paytm and HDFC Bank. You can check the latest offers on the app or website.

How to Use a Paytm Credit Card

Using a paytm credit card is easy and convenient. You can use it for online or offline purchases at any merchant that accepts Visa cards. You can also use it for QR code payments at any Paytm merchant. You can also withdraw cash from any ATM using this credit card.

To use your paytm credit card, you need to activate it first. To activate your card, you need to follow these steps:

  • Log in to your Paytm app and go to the Loan & Credit Card section.
  • Tap on Activate Card and enter the OTP sent to your registered mobile number.
  • Set your own PIN and spending limit.
  • Your card is now ready to use.

To manage your paytm credit card, you can use the Paytm app or website. You can check your balance, statement, due date, interest rate, etc. You can also make payments, change your PIN, update your details, etc.


A paytm credit card is a smart choice for anyone who wants to enjoy hassle-free credit and rewards. It is easy to apply, use, and manage. It also offers attractive benefits such as no annual fee, flexible repayment, cashback rewards, security features, and exclusive offers. If you are interested in getting this credit card, you can download the Paytm app today and apply in minutes.

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