Fees
Annual feeINR 499 + GST
Joining feeINR 499 + GST
Renewal feeINR 499 + GST
Fee waiverWaived on annual spend of INR 1,00,000 or more in a membership year
Spend waiverSpend INR 50,000 in 12 months
Interest rate3.75% per month (45% per annum)
Late paymentNIL up to INR 2,000; INR 600 for INR 2,001-INR 7,500; INR 950 for INR 7,501-INR 15,000; INR 1,300 above INR 15,000
Forex markup3.5% on transaction amount
Cash advance2.5% of amount withdrawn, minimum INR 500
Eligibility
Min income (salaried)INR 45,000/month
Min income (self-emp.)INR 6-INR 9 lakh/year
Credit score720 or above (CIBIL) (Good to Very Good)
Age range21 to 60
Employment typeBoth
Resident typeIndian Resident
Rewards & cashback
Accelerated rate5% cashback on Paytm app purchases (flights, recharges, utility)
Cashback %5% on Paytm app spends; 1% on all other spends
Cashback capINR 1,000 - INR 2,000/month (Paytm app category)
Redemption optionsCashback (direct) - credited to Paytm wallet or statement balance
Points expiryN/A - cashback auto-credited
Travel & lounge
Domestic lounge0 visits (no lounge benefit)
International lounge0 visits (no lounge benefit)
Lounge conditionsNo
Insurance coverageNo
Hotel/flight offers0% - 5%
ConciergeNo
Forex waiver3.5% (Standard Rate)
Lifestyle
Dining discountsYes - Up to 15% at partner restaurants; Zomato Gold 3-month complimentary
Fuel surchargeYes - 1% surcharge waiver at all fuel stations
OTT subscriptionsYes - Eros Now (12 months free); Big Basket subscription (6 months)
E-commerce offersYes - Paytm Mall; accelerated cashback on Paytm app
Credit limit & EMI
Default limitINR 25,000 - INR 75,000
Max limitINR 1.5 - INR 3 lakh
Cash withdrawal20% - 40%
EMI conversionAt Purchase / Post-purchase
Min EMI amountINR 2,500 - INR 3,000
Balance transferYes
BT interest rate1% per month
Insurance & protection
Purchase protectionNo
Lost card liabilityYes - Zero liability post reporting
Digital & security
ContactlessYes
Virtual cardYes
App featuresReal-time Spend Alerts, Card Lock/Unlock, View Statements & Due Dates, Convert to Equated Monthly Instalment (EMI), Autopay Setup, Download Credit Card Statement, Raise Service Requests, Unique Features (Paytm app card management)
Card controlsBlock/Unblock Card, Enable/Disable International Usage, Enable/Disable Online Transactions, Enable/Disable Contactless (Near-Field Communication (NFC)), Automated Teller Machine (ATM) Withdrawal Toggle, Set Transaction Limits, Card PIN Reset, Report Lost/Stolen Card
Fraud protectionReal-time Transaction Alerts, OTP for Online Transactions, CVV + Expiry + OTP Combo, Spending Pattern Detection, Zero Liability Guarantee, Instant Card Block Option
Zero liabilityZero liability if fraud reported within 3 working days
WhatsApp supportNo