Paytm HDFC Bank Select Business Credit Card

Lounge access

• Up to 8 complimentary domestic airport lounge visits within India in a calendar year using the Visa credit card.
• Visits exceeding the complimentary quota allowed at the discretion of the lounge and chargeable by the lounge.

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Forex markup

Foreign Currency Transactions markup: 2% of transaction value (currency conversion rate as on settlement date applicable).

Verified · MITC – Paytm HDFC Bank Select Business Credit Card (Card-Specific) · 2026-08-04 · source

Charge

• Cash advance fee: 2.5% or ₹500 whichever is higher.
• Charges on overlimit account: 2.5% of overlimit amount, minimum ₹550.
• Payment Return Charges: 2% of payment amount, minimum ₹450.
• Cash Processing Fee: ₹100.
• Rewards Redemption Fee: ₹99 per redemption request.
• Balance Transfer Processing: 1% of BT amount or ₹250 whichever higher.
• Duplicate physical statement: ₹10.
• Card Validation charges: ₹2.
• Reissue of Lost/Stolen/Damaged Card: ₹100.
• Dynamic currency conversion Markup Fee: 1% (w.e.f 1st January 2023) on transactions in INR at international location/overseas-registered merchants.
• Add-on Card Fee: Lifetime Free.
• Rent Pay: 1% capped ₹3000 per txn (w.e.f 1st August 2024).
• Fuel charges: 1% on business card fuel txn exceeding ₹30,000 capped ₹3000.
• Utility charges: 1% on business card utility txn exceeding ₹75,000 capped ₹3000 (w.e.f 1st August 2024).
• Education charges: 1% on third-party app education txn capped ₹3000 (w.e.f 1st August 2024).
• Outstation Cheque Processing: ₹25 up to ₹5,000 / ₹50 above ₹5,000.
• Late Fees for Insta Jumbo loans: ₹500 plus GST.
• Late Payment Charges slabs: Nil up to ₹100, ₹100 (₹101-500), ₹500 (₹501-1,000), ₹600 (₹1,001-5,000), ₹750 (₹5,001-10,000), ₹900 (₹10,001-25,000), ₹1100 (₹25,001-50,000), ₹1300 (over ₹50,000).

Verified · MITC – Paytm HDFC Bank Select Business Credit Card (Card-Specific) · 2026-08-04 · source

Interest-free period

Extended interest free credit period up to 50 days for all purchases.

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Fuel surcharge waiver

1% Fuel Surcharge waiver on fuel transactions (Minimum transaction of ₹400, Maximum transaction of ₹5,000 & Maximum Cashback of ₹250 per statement cycle).

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Milestone benefit

₹1,000 worth Gift Voucher on annual spends of ₹2 Lakhs (Non-EMI and Non-Rental Spends).

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Dining benefit

Complimentary Paytm First membership (premium subscription-based rewards & loyalty program), activated within 15 working days upon minimum one transaction of ₹100 within one year of card issuance.

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Insurance

Lost Card Liability cover of ₹3 Lakhs (available on fraudulent transactions if reported immediately to HDFC Bank's 24-hour Call Centre).

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Eligibility

• Exclusive for Paytm customers.
• Applied for on the Paytm app.
• Offered in partnership with HDFC Bank.
• Cannot avail cash withdrawal restrictions vary.
• Documents required: ID proof, Address proof, Passport size photograph (or OVD such as Aadhaar/Passport/Driving Licence/Voter ID/NREGA job card/NPR letter).

Verified · harvested from product page · 2026-08-04 · source