Check availability before applying
Paytm HDFC Bank Select Business Credit Card Review
The Paytm HDFC Bank Select Business card is a co-branded business card that earns Cashpoints on Paytm spends and on partner brands such as Swiggy, AJIO, BigBasket and Uber.
It includes 12 domestic lounge visits a year, which is generous for its fee, but its value is tied to how much you spend through Paytm.
- Higher Cashpoints on Paytm spends
- 3% Cashpoints on Swiggy, AJIO, BigBasket and Uber
- 12 domestic lounge visits a year
- Joining fee waived on ₹60,000 spend in 90 days
- Renewal fee waived on ₹1 lakh
- Availability for new applicants unclear
- Rewards depend on Paytm usage
- No points on wallet loads, fuel, EMI, rent or government payments
- Renewal fee amount differs between sources (₹500 or ₹1,000)
- About 3.5% forex markup
Fees and charges
| Item | Detail |
|---|---|
| Joining fee | ₹1,000 + GST, waived on ₹60,000 non-EMI spend within 90 days |
| Renewal fee | Waived on ₹1 lakh annual spend (check HDFC’s fees page for the amount) |
| Forex markup | About 3.5% |
Rewards: how the card earns
| Spend | Cashpoints |
|---|---|
| Paytm spends | Up to 5% |
| Swiggy, AJIO, BigBasket, Uber | 3% |
| Other Paytm spends | 2% |
Confirm the rate on non-Paytm spends and any monthly caps in HDFC’s current T&C.
What earns nothing
Wallet loads, fuel, EMI, rent and government payments earn no Cashpoints.
Other benefits
| Benefit | Detail |
|---|---|
| Lounge access | 12 domestic visits a year (3 a quarter) |
| Network | Visa |
| Fuel | 1% surcharge waiver (check cap) |
Eligibility
Issuer
HDFC Bank
For
Business owners and self-employed
Availability
Confirm with HDFC
Who this card is for
- Good fit: small businesses that pay suppliers and expenses heavily through Paytm.
- Skip if: you rarely use Paytm.
Alternatives worth comparing
Final verdict
Useful for Paytm-heavy businesses, with generous domestic lounge access. Confirm availability and the current reward caps before applying.
Frequently asked questions
Is the Paytm HDFC Select Business card still available?
HDFC still lists it, but check whether new applications are open.
How many lounge visits does it include?
12 domestic visits a year, 3 a quarter.
How is the joining fee waived?
Spend ₹60,000 (non-EMI) within 90 days.
What earns Cashpoints?
Paytm spends and partner brands such as Swiggy, AJIO, BigBasket and Uber.
What does not earn?
Wallet loads, fuel, EMI, rent and government payments.
Last verified: October 2026, against HDFC Bank’s Paytm Select Business card page and fees schedule. Card terms change often; confirm the current fees and reward rules on the issuer’s website before you apply. All fees are plus 18% GST.