All cards / HDFC Bank
HDFC Bank
HDFC Bank Paytm Business Credit Card
Visa
HDFC Bank Paytm Business Credit Card
An entry-level business card for Paytm merchants and small business owners, rewarding bill payments and Paytm Mall purchases with a modest milestone bonus on top.
Rates and fees last verified 15 July 2026.
Annual fee
₹500
Joining fee
₹500
Reward type
cashback
Base reward rate
1%
Card network
Visa
Card tier
Entry
Benefits by category
- 🛍️ Shopping
2% reward rate
- 🧾 Utilities
3% reward rate (capped ₹500/monthly)
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹15,000
- Employment: self-employed
- Age: 21–65
Benefits
- ₹500 gift voucher on spends of ₹1 lakh in a year (non-EMI spends)
Pros
- + Rewards routine bill payments
- + Low fees
- + Milestone voucher on ₹1 lakh annual spend
Cons
- − Reward rate is thin outside bill payments
- − No lounge or travel perks