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Best credit card for Paytm in India

Updated 30 September 2026

On Paytm, IndusInd Avios Visa Infinite Credit Card gives 10% back, with no cap we could read; Paytm HDFC Bank Select Business Credit Card gives 5% back, with no cap we could read; and IndusInd EazyDiner Credit Card gives 10% back, with no cap we could read. Every figure here comes from what the bank, Paytm or the card network publishes, with the source and the date it was read shown against each offer.

Card offers

All 27 offers.

IndusInd Avios Visa Infinite Credit Card

IndusInd Bank
10% backEstimate
Cap
No cap we could read
Minimum
Rs 499
Valid
No end date published
In the published termsGet 10% Instant discount on Min. order 499 utility bill payments on Paytm with IndusInd Bank Credit Cards

Published by IndusInd Bank · Read on 31 Aug 2026 · Source ↗

Paytm HDFC Bank Select Business Credit Card

HDFC Bank
5% backVerified
Cap
No cap we could read
Valid
No end date published

No cashback on fuel. No cashback on rent. No cashback on government spends. No cashback on wallet load. Not earned on EMI spends.

In the published terms5% CashBack on all purchases across Paytm*

Published by HDFC Bank · Read on 10 Aug 2026 · Source ↗

Paytm HDFC Bank Select Business Credit Card

HDFC Bank
2% backVerified
Cap
No cap we could read
Valid
No end date published

No cashback on fuel. No cashback on rent. No cashback on government spends. No cashback on wallet load. Not earned on EMI spends. "Reward Points will not be accrued on fuel transactions for 6E rewards / Tata Neu / Cashback". "EasyEmi and e-wallet loading transaction will not accrue Reward Points". No MCC numbers are printed against the reward exclusions.

In the published terms2% CashBack on all other Paytm spends

Published by HDFC Bank · Read on 10 Aug 2026 · Source ↗

Paytm SBI Card Select

SBI Card
5% back in reward pointsLikely
Cap
No cap we could read
Valid
No end date published

Cashback not applicable for spends on wallet load (Paytm or any other App) and fuel

In the published terms5% Cashback on Paytm Travel

Published by SBI Card · Read on 10 Aug 2026 · Source ↗

Paytm SBI Card Select

SBI Card
2% back in reward pointsLikely
Cap
No cap we could read
Valid
No end date published
Where
Online

SBI Card CASHBACK T&C e-kit the fullest exclusion list published by any Indian issuer. No reward earned on: petrol pumps and service stations 5172, 5541, 5542, 5983; e-wallet loading 6540, 6541; rent and property management 6513, 7349; jewellery 5051, 5094, 7631, 5944; schools and educational services 5111, 5192, 5942, 5943, 8211, 8220, 8241, 8244, 8249, 8351, 8299;

The published terms for this offer run longer than we show here. Read them in full on the page linked below.

In the published terms2% Cashback on all other purchases on Paytm App

Published by SBI Card · Read on 10 Aug 2026 · Source ↗

IndusInd EazyDiner Credit Card

IndusInd Bank
10% backEstimate
Cap
No cap we could read
Minimum
Rs 499
Valid
No end date published
In the published termsGet 10% Instant discount on Min. order 499 utility bill payments on Paytm with IndusInd Bank Credit Cards

Published by IndusInd Bank · Read on 31 Aug 2026 · Source ↗

HSBC RuPay Platinum Credit Card

HSBC
5% backLikely
Cap
Rs 150
Minimum
Rs 299
Valid
No end date published

Use promo code HSBCRUPAY on mobile (prepaid and postpaid), broadband, DTH, water bills, gas cylinders, piped gas bills, FASTag and electricity bills. T&Cs apply…

In the published termsUse promo code HSBCRUPAY to get 5% off transactions of INR299 or more (max discount INR150)

Published by HSBC · Read on 10 Aug 2026 · Source ↗

Paytm SBI Card

SBI Card
2% backLikely
Cap
No cap we could read
Valid
No end date published
Where
Online
In the published terms2% Cashback on all other purchases on Paytm App

Published by SBI Card · Read on 10 Aug 2026 · Source ↗

IndusInd EazyDiner Platinum Credit Card

IndusInd Bank
10% backEstimate
Cap
No cap we could read
Minimum
Rs 499
Valid
No end date published
In the published termsGet 10% Instant discount on Min. order 499 utility bill payments on Paytm with IndusInd Bank Credit Cards

Published by IndusInd Bank · Read on 31 Aug 2026 · Source ↗

Axis Neo Credit Card

Axis Bank
5% backLikely
Cap
Rs 150 per month
Minimum
Rs 299
Valid
No end date published
Where
Online

Mobile recharges/Broadband payment/DTH recharge. Maximum discount of ₹150 each month. Minimum transaction ₹299. Once monthly.

In the published terms5% off on mobile recharges/Broadband payment/DTH recharge done through Paytm. Maximum discount of ₹150 each month, with a minimum transaction requirement of ₹299. Once monthly…

Published by Axis Bank · Read on 10 Aug 2026 · Source ↗

IndusInd Legend Credit Card

IndusInd Bank
10% backEstimate
Cap
No cap we could read
Minimum
Rs 499
Valid
No end date published
In the published termsGet 10% Instant discount on Min. order 499 utility bill payments on Paytm with IndusInd Bank Credit Cards

Published by IndusInd Bank · Read on 31 Aug 2026 · Source ↗

IndusInd Nexxt Credit Card

IndusInd Bank
10% backEstimate
Cap
No cap we could read
Minimum
Rs 499
Valid
No end date published
In the published termsGet 10% Instant discount on Min. order 499 utility bill payments on Paytm with IndusInd Bank Credit Cards

Published by IndusInd Bank · Read on 31 Aug 2026 · Source ↗

IndusInd Pinnacle Credit Card

IndusInd Bank
10% backEstimate
Cap
No cap we could read
Minimum
Rs 499
Valid
No end date published
In the published termsGet 10% Instant discount on Min. order 499 utility bill payments on Paytm with IndusInd Bank Credit Cards

Published by IndusInd Bank · Read on 31 Aug 2026 · Source ↗

IndusInd Platinum RuPay Credit Card

IndusInd Bank
10% backEstimate
Cap
No cap we could read
Minimum
Rs 499
Valid
No end date published
In the published termsGet 10% Instant discount on Min. order 499 utility bill payments on Paytm with IndusInd Bank Credit Cards

Published by IndusInd Bank · Read on 31 Aug 2026 · Source ↗

IndusInd Platinum Visa Credit Card

IndusInd Bank
10% backEstimate
Cap
No cap we could read
Minimum
Rs 499
Valid
No end date published
In the published termsGet 10% Instant discount on Min. order 499 utility bill payments on Paytm with IndusInd Bank Credit Cards

Published by IndusInd Bank · Read on 31 Aug 2026 · Source ↗

IndusInd Samman Credit Card

IndusInd Bank
10% backEstimate
Cap
No cap we could read
Minimum
Rs 499
Valid
No end date published
In the published termsGet 10% Instant discount on Min. order 499 utility bill payments on Paytm with IndusInd Bank Credit Cards

Published by IndusInd Bank · Read on 31 Aug 2026 · Source ↗

IndusInd Tiger Credit Card

IndusInd Bank
10% backEstimate
Cap
No cap we could read
Minimum
Rs 499
Valid
No end date published
In the published termsGet 10% Instant discount on Min. order 499 utility bill payments on Paytm with IndusInd Bank Credit Cards

Published by IndusInd Bank · Read on 31 Aug 2026 · Source ↗

CRED IndusInd Bank RuPay Credit Card

IndusInd Bank
10% backEstimate
Cap
No cap we could read
Minimum
Rs 499
Valid
No end date published
In the published termsGet 10% Instant discount on Min. order 499 utility bill payments on Paytm with IndusInd Bank Credit Cards

Published by IndusInd Bank · Read on 31 Aug 2026 · Source ↗

IndusInd Celesta Credit Card

IndusInd Bank
10% backEstimate
Cap
No cap we could read
Minimum
Rs 499
Valid
No end date published
In the published termsGet 10% Instant discount on Min. order 499 utility bill payments on Paytm with IndusInd Bank Credit Cards

Published by IndusInd Bank · Read on 31 Aug 2026 · Source ↗

IndusInd Crest Credit Card

IndusInd Bank
10% backEstimate
Cap
No cap we could read
Minimum
Rs 499
Valid
No end date published
In the published termsGet 10% Instant discount on Min. order 499 utility bill payments on Paytm with IndusInd Bank Credit Cards

Published by IndusInd Bank · Read on 31 Aug 2026 · Source ↗

IndusInd Indulge Credit Card

IndusInd Bank
10% backEstimate
Cap
No cap we could read
Minimum
Rs 499
Valid
No end date published
In the published termsGet 10% Instant discount on Min. order 499 utility bill payments on Paytm with IndusInd Bank Credit Cards

Published by IndusInd Bank · Read on 31 Aug 2026 · Source ↗

IndusInd Bank Jio-bp Mobility+ Credit Card

IndusInd Bank
10% backEstimate
Cap
No cap we could read
Minimum
Rs 499
Valid
No end date published
In the published termsGet 10% Instant discount on Min. order 499 utility bill payments on Paytm with IndusInd Bank Credit Cards

Published by IndusInd Bank · Read on 31 Aug 2026 · Source ↗

IndusInd Pioneer Heritage Credit Card

IndusInd Bank
10% backEstimate
Cap
No cap we could read
Minimum
Rs 499
Valid
No end date published
In the published termsGet 10% Instant discount on Min. order 499 utility bill payments on Paytm with IndusInd Bank Credit Cards

Published by IndusInd Bank · Read on 31 Aug 2026 · Source ↗

IndusInd Pioneer Legacy Credit Card

IndusInd Bank
10% backEstimate
Cap
No cap we could read
Minimum
Rs 499
Valid
No end date published
In the published termsGet 10% Instant discount on Min. order 499 utility bill payments on Paytm with IndusInd Bank Credit Cards

Published by IndusInd Bank · Read on 31 Aug 2026 · Source ↗

IndusInd Pioneer Private Credit Card

IndusInd Bank
10% backEstimate
Cap
No cap we could read
Minimum
Rs 499
Valid
No end date published
In the published termsGet 10% Instant discount on Min. order 499 utility bill payments on Paytm with IndusInd Bank Credit Cards

Published by IndusInd Bank · Read on 31 Aug 2026 · Source ↗

IndusInd Platinum Master Credit Card

IndusInd Bank
10% backEstimate
Cap
No cap we could read
Minimum
Rs 499
Valid
No end date published
In the published termsGet 10% Instant discount on Min. order 499 utility bill payments on Paytm with IndusInd Bank Credit Cards

Published by IndusInd Bank · Read on 31 Aug 2026 · Source ↗

IndusInd Solitaire Credit Card

IndusInd Bank
10% backEstimate
Cap
No cap we could read
Minimum
Rs 499
Valid
No end date published
In the published termsGet 10% Instant discount on Min. order 499 utility bill payments on Paytm with IndusInd Bank Credit Cards

Published by IndusInd Bank · Read on 31 Aug 2026 · Source ↗

Offers published by Paytm

All 8 offers.

We read each of these from the page linked beside it rather than from a card network, and each one names the card it applies to.

HSBC TravelOne Credit Card

HSBC
up to 15% back, depending on what you buyVerified
Cap
Rs 5,000 per transaction
Minimum
Rs 5,000
Valid
Valid until 30 November 2026
Where
Online

Valid on domestic or international flight ticket booking. Offer is valid for selected HSBC TravelOne Credit Card users except business or commercial cards.

This offer sits on tickets.paytm.com, Paytm's own flight booking site, not on paytm.com. Paytm.com/offers redirects to the Paytm homepage and carries no bank offer at all. The page says maximum available discount per card is Rs 5,000 and also that the offer is valid two times per card; it does not say whether Rs 5,000 is per transaction or across both uses. The cap is recorded as applying per transaction on that reading and the ambiguity is flagged here. The terms restrict it to a list of 27 card BIN ranges which the page prints but does not explain.

In the published termsUse code HSBCTRAVEL on domestic or international flight ticket booking to avail flat 15% instant discount up to Rs 5,000. Offer is applicable on HSBC TravelOne Credit Card transactions only. Minimum transaction value for flight ticket booking is Rs 5,000. Maximum available discount per card is Rs 5,000. Offer is valid for two times usage per card. Offer is valid for transactions made between 01 May'26 (12 AM) to 30 Nov'26 (11:59 PM)…

Published by Paytm · Read on 5 Sep 2026 · Source ↗

Standard Chartered Credit Card

Standard Chartered
up to 10% back, depending on what you buyVerified
Cap
Rs 1,000
Valid
No end date published
Where
Online

Domestic flights only. Promo code PAYTMSCD. One-time use per user. Valid only on the first eligible transaction per card per Tuesday. Cashback excludes convenience fee, insurance and add-ons. Not valid on corporate cards.

In the published termsGet 10% Cashback Upto ₹1,000 on Domestic Flight Bookings. Offer is valid only for Standard Chartered Credit and Debit cards. Offer is valid only for one-time usage per user. Offer is valid only on the first eligible transaction per card per Tuesday during the Offer Period…

Published by Paytm · Read on 14 Jul 2026 · Source ↗

Punjab National Bank Credit Card

Punjab National Bank
up to 15% back, depending on what you buyVerified
Cap
Rs 1,000 per month
Minimum
Rs 4,000
Valid
No end date published
Where
Online

Domestic flight ticket booking only. Offer is valid for selected credit card users except business or commercial cards. Users must have a verified mobile number on Paytm. Cancelled bookings are not eligible.

This offer sits on tickets.paytm.com, Paytm's own flight booking site, not on paytm.com. Paytm.com/offers redirects to the Paytm homepage and carries no bank offer at all. The card tile says Valid everyday on Credit Card Transactions and the terms page gives no start or end date, so no end date is recorded. The terms say credit card transactions, not EMI, so this is a direct offer. Only selected cards qualify and the page does not list which.

In the published termsUse code FLYPNBCC on domestic flight ticket booking to avail flat 15% off up to Rs 1,000. Offer is applicable on Punjab National Bank credit card transactions only. Minimum order value for flight ticket booking is Rs 4,000. Maximum available discount per card is Rs 1,000 per month. Offer is valid for once per card per month.

Published by Paytm · Read on 5 Sep 2026 · Source ↗

Paytm HDFC Bank Select Credit Card

HDFC Bank
5% backLikely
Cap
No cap we could read
Valid
No end date published
Where
Online

Not valid on wallet loads and fuel spends.

The Select card page states no cashback cap, no minimum spend and no validity date anywhere, and links no terms document, so those cells are empty or unknown. The same page also advertises 3% on Swiggy, Uber, AJIO and Bigbasket and 1% on all other retail spends; those are spends at other merchants, not on Paytm, so they are not written as Paytm entries.

In the published terms5% Cashback* on Travel & Recharge spends on Paytm

Published by Paytm · Read on 5 Sep 2026 · Source ↗

Paytm SBI Card SELECT

SBI Card
up to 5% back, depending on what you buyLikely
Cap
No cap we could read
Valid
No end date published
Where
Online

Only for Paytm SBI Card SELECT users. Not valid on wallet loads and fuel spends.

In the published terms5% Rewards on Travel *. *Only for Paytm SBI Card SELECT users

Published by Paytm · Read on 10 Aug 2026 · Source ↗

Paytm HDFC Bank Credit Card

HDFC Bank
3% backLikely
Cap
Rs 1,000 per month
Valid
No end date published
Where
Online

Not valid on wallet loads and fuel spends.

The card page shows a hero figure of Up to Rs 1,000 monthly Cashback and separately an asterisked Up to Rs 1000 attached to a different monthly-spend bonus. It does not say plainly whether the Rs 1,000 is the ceiling on this rate or on the bonus, so the cap is recorded as Rs 1,000 per month and the ambiguity is flagged. Paytm links a terms PDF for this card but that PDF contains no cashback rates, caps or dates at all. Category is recorded as all because the page says Paytm spends without naming categories.

In the published terms3% Cashback on Paytm Mini-App

Published by Paytm · Read on 5 Sep 2026 · Source ↗

Paytm HDFC Bank Credit Card

HDFC Bank
2% backLikely
Cap
Rs 1,000 per month
Valid
No end date published
Where
Online

Not valid on wallet loads and fuel spends.

The card page shows a hero figure of Up to Rs 1,000 monthly Cashback and separately an asterisked Up to Rs 1000 attached to a different monthly-spend bonus. It does not say plainly whether the Rs 1,000 is the ceiling on this rate or on the bonus, so the cap is recorded as Rs 1,000 per month and the ambiguity is flagged. Paytm links a terms PDF for this card but that PDF contains no cashback rates, caps or dates at all. Category is recorded as all because the page says Paytm spends without naming categories.

In the published terms2% Cashback on all Paytm Spends

Published by Paytm · Read on 5 Sep 2026 · Source ↗

Paytm SBI Card

SBI Card
up to 2% back, depending on what you buyLikely
Cap
No cap we could read
Valid
No end date published
Where
Online

Not valid on wallet loads and fuel spends.

Pays in SBI reward points, not money. No cap, minimum or validity date is stated on the page. Applies to both the base Paytm SBI Card and the SELECT variant; the page does not separate them for this rate. The page also lists 1% Rewards on all other spends, which is not a Paytm-specific benefit and is not listed as a Paytm entry.

In the published terms2% Rewards on Recharges and Bill payment

Published by Paytm · Read on 5 Sep 2026 · Source ↗

Conditions worth knowing

  • No cashback on fuel. No cashback on rent. No cashback on government spends. No cashback on wallet load. Not earned on EMI spends.

    HDFC Bank · Source ↗
  • No cashback on fuel. No cashback on rent. No cashback on government spends. No cashback on wallet load. Not earned on EMI spends. "Reward Points will not be accrued on fuel transactions for 6E rewards / Tata Neu / Cashback". "EasyEmi and e-wallet loading transaction will not accrue Reward Points". No MCC numbers are printed against the reward exclusions.

    HDFC Bank · Source ↗
  • Cashback not applicable for spends on wallet load (Paytm or any other App) and fuel

    SBI Card · Source ↗
  • Use promo code HSBCRUPAY on mobile (prepaid and postpaid), broadband, DTH, water bills, gas cylinders, piped gas bills, FASTag and electricity bills. T&Cs apply…

    HSBC · Source ↗
  • Mobile recharges/Broadband payment/DTH recharge. Maximum discount of ₹150 each month. Minimum transaction ₹299. Once monthly.

    Axis Bank · Source ↗
  • Valid on domestic or international flight ticket booking. Offer is valid for selected HSBC TravelOne Credit Card users except business or commercial cards.

    Paytm · Source ↗
  • Domestic flights only. Promo code PAYTMSCD. One-time use per user. Valid only on the first eligible transaction per card per Tuesday. Cashback excludes convenience fee, insurance and add-ons. Not valid on corporate cards.

    Paytm · Source ↗
  • Domestic flight ticket booking only. Offer is valid for selected credit card users except business or commercial cards. Users must have a verified mobile number on Paytm. Cancelled bookings are not eligible.

    Paytm · Source ↗

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