The smart rewards card for Paytm enthusiasts
Earn cashback on all Paytm Travel purchases
Get 1% fuel surcharge waiver
Enter your details to get started
| Benefit | Details |
|---|---|
| Paytm Rewards | Earn reward points on transactions made through the Paytm app, including travel bookings, movies, and other eligible purchases. |
| Welcome Gift | Receive complimentary Paytm First Membership upon first successful retail transaction on the card. |
| Milestone Benefits | Get Paytm First Membership voucher on annual spends of ₹1 lakh, providing continued access to exclusive privileges and offers. |
| Fuel Surcharge Waiver | 1% fuel surcharge waiver on transactions between ₹500 and ₹3,000, with a maximum benefit of ₹100 per statement cycle. |
| Cyber Fraud Insurance | Complimentary insurance cover of ₹1,00,000 against financial loss due to fraudulent usage of the credit card. |
| Attribute | Classification |
|---|---|
| Issuer / Provider | SBI Card & Payment Services Ltd. (in partnership with Paytm) |
| Bank / Non-bank | Bank-affiliated |
| Category | Shopping / Lifestyle Rewards |
| Type of Card | Visa |
| Free or Paid | ₹499 Annually |
This card is perfect for anyone looking to elevate everyday spending into real value. Enjoy a complimentary membership of Paytm First, unlocking premium perks straight away. With a 1% fuel surcharge waiver at petrol pumps and high reward rates on travel, movies and Paytm transactions, every swipe brings back benefits. It combines convenience, entertainment, and smart savings in one card. Make your purchases smarter and your lifestyle richer with a Paytm SBI Card.
Digital Integration: The card offers seamless integration with the Paytm app, allowing cardholders to manage their card, track spending, lock/unlock features, and access various digital controls directly through the mobile application.
Global Acceptance: Cardholders can use the Paytm SBI Card at over 24 million outlets worldwide, including more than 325,000 outlets across India, providing extensive acceptance for both domestic and international transactions.
Add-on Cards: Family members above 18 years of age, including spouse, children, parents, or siblings, can be issued supplementary cards at no additional cost, enabling them to share the benefits of the primary card while maintaining individual spending control.
Utility Bill Payments: The Easy Bill Pay facility allows cardholders to settle electricity, telephone, mobile, and other utility bills conveniently through the card.
Balance Transfer on EMI: Outstanding balances from other banks' credit cards can be transferred to the Paytm SBI Card at competitive interest rates and repaid in easy EMIs, providing financial flexibility and potential interest savings.
Flexipay: Purchases of ₹2,500 or more can be converted into easy monthly instalments within 30 days of the transaction date, helping cardholders manage large expenses more efficiently through the Paytm SBI Card online.
Travel & Entertainment: Cardholders earn reward points on travel bookings and movie ticket purchases made through the Paytm app, helping maximise returns on leisure and entertainment expenses.
Paytm Mall Shopping: Purchases made on Paytm Mall using the Paytm SBI Card earn reward points, providing additional value when shopping on the platform for various products and categories.
Other Transactions: Cardholders earn reward points on other eligible online and offline purchases made using the card, though at different rates compared to Paytm platform transactions.
Paytm Gift Vouchers: Accumulated reward points are automatically converted into Paytm Gift Vouchers, which are added to the cardholder's Paytm Wallet at the end of each billing cycle.
Paytm Wallet Balance: The gift voucher balance in the Paytm Wallet can be used for subsequent purchases made through the Paytm app, including shopping, travel bookings, bill payments, recharges, and more.
Paytm First Membership: Upon the first successful retail transaction using the Paytm SBI Card, cardholders receive a complimentary Paytm First Membership.
Annual Spend Target: Cardholders who spend ₹1,00,000 or more on the Paytm SBI Card within a year receive a Paytm First Membership voucher at renewal, extending their access to premium benefits.
1% Waiver: Cardholders receive a 1% fuel surcharge waiver on transactions between ₹500 and ₹3,000 at petrol pumps across India, helping to save on fuel expenses which form a significant part of monthly budgets for vehicle owners.
Maximum Benefit: The maximum fuel surcharge waiver is capped at ₹100 per statement cycle, providing consistent savings on fuel purchases throughout the billing period.
Insurance Coverage: The Paytm SBI Card comes with complimentary cyber fraud insurance coverage of ₹1,00,000, providing financial protection against fraudulent usage of the credit card.
Disclaimer: The card features, benefits, application process, and other details mentioned above are accurate at the time of writing but may change without prior notice.
| Fee Type | Amount | Details |
|---|---|---|
| Joining Fee | ₹499 | One-time charge when the card is issued for the first time. |
| Annual Fee | ₹499 | Charged every year from the second year onwards. |
| Add-on Card Fee | ₹0 | No charge for supplementary cards issued to family members above 18 years of age. |
| Criteria | Details |
|---|---|
Age (Primary Cardholder) | Minimum 21 years |
Maximum Age | Up to 70 years |
Occupation | Salaried / Self-Employed |
Income Requirement | Regular source of income (subject to bank's internal assessment) |
Credit Score | A good credit score usually 700 or above is generally recommended for approval |
| Document Type | Details |
|---|---|
| Identity Proof | PAN Card (mandatory for all credit card applications in India) |
| Address Proof | Aadhaar Card (with first 8 digits masked) or any valid government-issued address proof such as Voter ID, Passport, Driving Licence, or recent utility bills |
| Income Proof | Salary slips (latest 2-3 months), Form 16, Income Tax Return (ITR), bank statements (latest 3-6 months), or other relevant documents as per bank policy and applicant profile |
Click on Apply Now: Hit the 'Apply Now' button to start your application.
Fill in Your Detail: Enter your personal, contact, and financial details in the application form.
Upload Required Documents: Upload your PAN Card, Aadhaar/Address Proof, and Income Proof.
Submit Your Application: Review all the details and click Submit.
Approval & Card Delivery: Once approved, your Paytm SBI Card will be delivered to your registered address.
| Usage Tips | Details |
|---|---|
Maximise Paytm Transactions | Focus spending on the Paytm platform for travel bookings, movie tickets, Paytm Mall shopping, and bill payments to earn maximum reward points and leverage the card's core benefits. |
Digital Card Management | Utilise the Paytm app to manage the card digitally, including features like spend analyser, smart spend controls, one-tap lock/unlock, and card re-issue, providing convenient control over card usage. |
Track Reward Points | Regularly monitor accumulated reward points through the Paytm app or SBI Card mobile app, and check the Paytm Wallet balance to see credited gift vouchers at the end of each billing cycle. |
Use for Routine Expenses | Convert daily expenses like mobile recharges, and utility bill payments into reward-earning opportunities by paying through the Paytm app using the Paytm SBI Card. |
Enable Transaction Alerts | Set up transaction alerts via SMS and email to stay informed about spending, reward accumulation, payment due dates, and any suspicious activity on the card for enhanced security. |
Plan Large Purchases | For significant purchases exceeding ₹2,500, consider converting them to EMIs through Flexipay to manage cash flow better, whilst being mindful of the interest charges and processing fees applicable. |
Fuel Savings | When purchasing fuel, ensure transactions are between ₹500 and ₹3,000 to qualify for the 1% fuel surcharge waiver, maximising the benefit up to ₹100 per statement cycle. |
The Paytm SBI Card is designed for users who want to maximize their credit card benefits effectively.
Disclaimer: The information provided on this page has been gathered from various reliable sources and is intended solely for general informational purposes. As details may change over time, we do not guarantee the accuracy or completeness of the content. Users are advised to verify the information with official or relevant sources before making any decisions or taking action.
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