Paytm HDFC Bank Select Business Credit Card Review
The Paytm HDFC Bank Select Business Credit Card is a business cashback card that rewards Paytm-ecosystem and popular online-brand spends, with lounge access and milestone vouchers. Here is the verified review.
- Up to 5% cashback on Paytm spends
- 3% on Swiggy, AJIO, BigBasket & Uber
- 8 domestic lounge visits/year
- ₹2,000 annual milestone vouchers; 20% dining
- Fees waive on modest non-EMI spends
- No cashback on fuel, EMI, rental, government spends
- Grocery cashback capped 1,000 Cashpoints/month
- 1% base outside bonus categories
- Value tied to Paytm & partner brands
- Business documentation needed
Fees & cashback
| Item | Detail |
|---|---|
| Paytm spends | Up to 5% cashback (Cashpoints) |
| Swiggy/AJIO/BigBasket/Uber | 3% cashback |
| Other retail | 1% (excl. fuel/EMI/rental/government) |
| Joining fee | ₹1,000 (waived on ₹60,000 non-EMI spend in 90 days) |
| Renewal fee | ₹500 (waived on ₹1 lakh non-EMI annual spend) |
| Lounge | 8 domestic/year (2/quarter) |
| Milestone | ₹2,000 annual gift vouchers |
Eligibility & documents
Who
Businesses / self-employed
Network
Visa / RuPay
Recommended profile
Healthy business & personal credit
Grocery cap
1,000 Cashpoints/month
Best for
Businesses spending on Paytm & partner brands
Documents
Business proof, PAN, GST, financials
Who this card is for
- Best fit: businesses with meaningful Paytm, Swiggy, AJIO, BigBasket and Uber spends.
- Skip if: your spends are mostly fuel/rental/government, or outside these brands.
How to apply & how to cancel
Apply: via hdfcbank.com or the Paytm app. Cancel: call HDFC business-card support after clearing dues; redeem Cashpoints first.
Final verdict
The Paytm HDFC Select Business card is a solid business cashback option for the Paytm ecosystem — up to 5% on Paytm, 3% on top online brands, lounge access and milestone vouchers, with fees that waive on modest spends. Just respect the category exclusions and grocery cap, and match the card to where your business actually spends.
Frequently asked questions
How much cashback on Paytm?
Up to 5% on Paytm spends, credited as Cashpoints; 3% on Swiggy, AJIO, BigBasket and Uber; 1% elsewhere.
What’s excluded?
Cashback doesn’t apply to wallet loads, fuel, EMI, rental and government spends; grocery cashback is capped at 1,000 Cashpoints/month.
What are the fees?
₹1,000 joining (waived on ₹60,000 non-EMI spend in 90 days) and ₹500 renewal (waived on ₹1 lakh non-EMI annual spend).
Does it offer lounge access?
Yes — 8 domestic lounge visits a year (2 per quarter).
Data current as of June 2026, cross-checked against HDFC Bank and Paytm. Confirm current terms on hdfcbank.com before applying.