Paytm HDFC Bank Select Business Credit Card
A standout value proposition for merchant entrepreneurs seeking affordable luxury. For a modest ₹1,000 annual fee, it includes 12 complimentary domestic airport lounge visits per year without spend hurdles, alongside 5% statement cashback and preferential credit lines via Paytm for Business.
Why We Recommend The Paytm HDFC Bank Select Business Credit Card
Exceptional value business card: for a modest ₹1,000 fee, you get 12 domestic airport lounge visits and 5% cashback.
Business owners wanting airport lounge access, 5% cashback on travel, and pre-approved business loan access
Welcome Gift & Activation Benefits
* Welcome benefits are typically unlocked upon payment of the joining fee and initial card activation within 30 to 90 days.
Grofi Expert Rating
Our ratings assess real-world net reward yields after fee deductions, partner redemption flexibility, lounge conditions, and user transparency.
How Much Can You Save with the Paytm HDFC Bank Select Business Credit Card?
Adjust your expected monthly card spends to calculate your real annual rewards and net savings.
Includes flight & hotel bookings, partner brands (Amazon, Swiggy, Flipkart), dining, and online shopping.
* Reward Point Value: 1:1 direct statement credit on statement credit or travel bookings.
Based on annual spending of ₹6,00,000.
Fees & Charges Breakdown for Paytm HDFC Bank Select Business Credit Card
Zero hidden costs. Complete fee schedule verified with HDFC Bank official guidelines.
One-time fee charged on the first statement
Billed annually starting from the 2nd year
Annual fee reversed upon crossing this spend milestone in the preceding card year
Charges applicable on foreign currency transactions and cross-border payments
Standard interest rate on revolving card balances
Fee on ATM cash withdrawals via credit card
From the first day of billing cycle till due date
Airport Lounge Privileges on the Paytm HDFC Bank Select Business Credit Card
Experience gourmet dining, quiet workspaces, and premium comforts before every flight.
12 complimentary domestic airport lounge visits per year (max 3 per quarter)
Valid across 40+ domestic airport lounges including Mumbai (Adani), Delhi (Encalm), Bengaluru (080 Lounge), Hyderabad, Chennai, and Kolkata terminals.
Not available
Access over 1,300+ luxury airport lounges globally across Dubai, London Heathrow, Singapore Changi, New York JFK, Frankfurt, and Doha.
What Makes Paytm HDFC Bank Select Business Credit Card Stand Out?
Discover the top benefits, special offers, and protections engineered into this card.
Includes 12 domestic airport lounge visits per year
First year fee waived on spending ₹60,000 in first 90 days
Preferential business loans and credit lines via Paytm for Business
Pros & Cons of the Paytm HDFC Bank Select Business Credit Card
An honest, transparent evaluation of strengths and limitations before you submit your application.
What We Love (Pros)
- 12 complimentary domestic airport lounge visits for an affordable ₹1,000 fee
- Easy fee waiver milestone at ₹1 Lakh annual spend
- Includes ₹30 Lakhs personal accident insurance
Things to Consider (Cons)
- No international lounge access
- 5% accelerated cashback subject to monthly caps
Who Can Apply for the Paytm HDFC Bank Select Business Credit Card?
Review minimum income, credit score thresholds, and essential verification documents.
Net in-hand monthly or annual earnings
Primary applicant (18+ for add-ons)
With continuous employment proof
With valid Indian address proof
720+ Score Recommended
Applicants with a credit score of 720 or higher enjoy fast-tracked approval and preferential credit limits from HDFC Bank.
Documents Required
100% digital paperless verification via Video KYC. Keep these documents ready:
Identity & Address Proof
Aadhaar Card (linked with mobile number for OTP), Passport, Driving License, or Voter ID.
PAN Card
Mandatory physical or e-PAN copy required by RBI guidelines for all credit applications.
Proof of Income
Salaried: Last 3 months' salary slips or bank statements. Self-employed: Latest ITR computation.
Everything You Need to Know About Paytm HDFC Bank Select Business Credit Card
Clear answers to common questions regarding annual fees, reward redemption, lounge rules, and delivery.
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Ready to Apply for the Paytm HDFC Bank Select Business Credit Card?
Check your pre-approved credit limit and instant approval eligibility across HDFC Bank with 100% paperless verification and zero score impact.