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SBI Card · Visa / RuPay · हिन्दी

Paytm SBI Credit Card: full review

The Paytm SBI card is a solid entry-level co-branded card for Paytm loyalists. The 3% on movies and travel via Paytm, 2% on all other Paytm app spends and free Paytm First membership make it genuinely useful for daily Paytm users. Outside the Paytm ecosystem, the 1% base rate is uncompetitive.

Apply now ↗Annual fee: ₹499 + taxes
Last updated: October 2026 · Current terms verified
SBI CARD
VISA
)))
PAYTM
ASHOK KUMAR
12/28
₹499 + taxes (waived on ₹1,00,000/year spend)Annual fee
3% cashback on Paytm Mall, movies and travel via Paytm; 2% on other Paytm app spends; 1% on all other spendsReward structure
4 domestic visits/year (1 per quarter)Lounge access

Key benefits of the Paytm SBI Credit Card

3% cashback on Paytm Mall, movie tickets and travel bookings via Paytm app (capped ₹750/month)2% cashback on all other Paytm app transactions including utility bills and recharges1% cashback on all other online and offline spendsComplimentary Paytm First Membership on card activation (benefits worth ₹75,000)4 complimentary domestic airport lounge visits/year (1 per quarter)1% fuel surcharge waiver (₹500–₹3,000, max ₹100/month)Annual fee waived on ₹1L/year spendCyber fraud insurance cover up to ₹1 lakh
Apply now ↗ Min. income: ₹20,000/month (salaried) · Credit score: 700+
Pros and cons
Pros
✓ Good for heavy Paytm users, 3% on movies/travel, 2% on all other Paytm transactions
✓ Free Paytm First Membership adds real everyday value
✓ 4 lounge visits at ₹499 is strong for this fee tier
✓ Annual fee easily waived at ₹1L/year spend
Cons
✗ Cashback capped at ₹750/month on 3% category, limits heavy spenders
✗ Value locked to Paytm ecosystem, 1% on non-Paytm spends is weak
✗ 3.5% forex: avoid abroad
✗ Paytm QR scan transactions earn only 1% not the higher rates
Quick facts
Issuer SBI Card
Network Visa / RuPay
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹499 + taxes (waived on ₹1,00,000/year spend)
Joining feeA one-time fee charged when you first get the card, separate from the recurring annual fee.Full definition → ₹499
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → 4 domestic visits/year (1 per quarter)
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 3.5%
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹20,000/month (salaried)
Min. credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 700+
SourceSBI Card's published card terms and official card page · Last updated October 2026
Recent updates

Corrected how we count online shopping, travel, dining and grocery: the higher rate only applies to the Paytm app, but our maths applied it to all online shopping, travel, dining and grocery spend. These now earn the card's normal 1%; the higher rate is still listed in the card's rewards.

Online shopping rate in our maths3% on all online shopping1%
Travel rate in our maths3% on all travel1%
Dining rate in our maths2% on all dining1%
Grocery rate in our maths2% on all grocery1%
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Frequently asked questions
The annual fee for Paytm SBI Credit Card is ₹499 + taxes (waived on ₹1,00,000/year spend). The joining fee is ₹499.
The main benefits of the Paytm SBI Credit Card are: 3% cashback on Paytm Mall, movie tickets and travel bookings via Paytm app (capped ₹750/month); 2% cashback on all other Paytm app transactions including utility bills and recharges; 1% cashback on all other online and offline spends; Complimentary Paytm First Membership on card activation (benefits worth ₹75,000); 4 complimentary domestic airport lounge visits/year (1 per quarter); 1% fuel surcharge waiver (₹500–₹3,000, max ₹100/month); Annual fee waived on ₹1L/year spend; Cyber fraud insurance cover up to ₹1 lakh.
3% cashback on Paytm Mall, movies and travel via Paytm; 2% on other Paytm app spends; 1% on all other spends
Paytm SBI Credit Card is best for Paytm app users wanting cashback on travel, movies and online shopping via Paytm. The Paytm SBI card is a solid entry-level co-branded card for Paytm loyalists. The 3% on movies and travel via Paytm, 2% on all other Paytm app spends and free Paytm First membership make it genuinely useful for daily Paytm users. Outside the Paytm ecosystem, the 1% base rate is uncompetitive.
The minimum income requirement for Paytm SBI Credit Card is ₹20,000/month (salaried). A minimum credit score of 700+ is also recommended.
Yes, Paytm SBI Credit Card offers 4 domestic visits/year (1 per quarter).
Paytm SBI Credit Card charges a 3.5% foreign currency markup on international transactions. This is in line with the standard 3.5% charged by most Indian credit cards.
Related guides
Best Dining Credit Cards →Best Shopping Credit Cards →Best Credit Cards for Swiggy and Zomato →Best Credit Cards for Amazon and Flipkart →Best Credit Cards for Self-Employed →
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