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Credit Cards · India

Paytm SBI Card

Updated 3 Jul 2026Source-linked

The Paytm SBI Card is a entry co-branded credit card from SBI Card and Paytm, with a joining fee of ₹499 + GST.

It earns up to 3% on Paytm spends in the form of cashback.

Welcome benefit: Complimentary Paytm First Membership..

SBI Card logo
Paytm SBI Card
Visa logo
  • Joining Fee₹499
  • Annual Fee₹499
  • Best Suited ForCo-brand rewards
  • Reward TypeCashback
Rewards Rate
  • 3% on paytm travel
  • 2% on paytm app spends
  • Base 1.00% on other spends
Welcome Benefits
  • Complimentary Paytm First Membership.
SBI Card logoSBIVisa logoentryCo-brand · Paytm
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Rewards and Benefits

Rewards Rate
3% on paytm travel
2% on paytm app spends
Base 1.00% on other spends.
Reward Redemption
1 Reward Point = Re. 1.
Welcome Benefits
Complimentary Paytm First Membership.
Milestone Rewards
  • ₹1,00,000 / annual: E-voucher for renewal of Paytm First Membership on annual retail spends of Rs. 1 Lakh.
Domestic Lounge Access
N/A
International Lounge Access
N/A
Travel
N/A
Movie & Dining
N/A
Golf
N/A
Insurance Benefits
  • fraud liability: ₹1,00,000
Other Benefits
N/A

Fees & Charges

Spend-Based Waiver
Not waivable
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.50%
Interest Rates
3.75% per month (45.0% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹500 and ₹3,000, capped at ₹100 per statement.
Cash Advance Charges
N/A

Product Details

  • Co-branded entry card by SBI Card and Paytm.
  • Joining / annual fee of ₹499 + GST.
  • Available on the Visa network.
  • Insurance cover bundled: fraud liability.

Pros & Cons

Pros
  • Milestone-based bonus rewards on annual / quarterly spend thresholds.
  • Accelerated earn worth ≈3.0% on paytm travel.
Cons
  • No annual-fee waiver option.
  • Standard forex markup of 3.50% — suboptimal for international spend.
  • No complimentary airport lounge access.
Pros & cons are heuristically derived from the card's fees, rewards and benefits. Not editorial opinion.

Welcome benefit

  • Complimentary Paytm First Membership.
    Card issued

Accelerated rewards

  • 3% on paytm travel
    3% Cashback on Paytm Travel bookings via the Paytm App. Cap not stated on crawl.
  • 2% on paytm app spends
    2% Cashback on all other purchases on the Paytm App. Cap not stated on crawl.

Milestone benefits

  • ₹1,00,000 / annual: E-voucher for renewal of Paytm First Membership on annual retail spends of Rs. 1 Lakh.

Insurance benefits

  • fraud liability: ₹1,00,000
    Cyber Fraud Insurance cover of Rs. 1,00,000.

Fuel surcharge waiver

1.0% waiver on fuel transactions between ₹500 and ₹3,000, capped at ₹100 per statement.

Sources

Last verified 3 Jul 2026. Verify with the issuer before applying.

Eligibility

Age
21–65
Credit score
700+
Income (salaried)
₹3,00,000 p.a.
Income (self-employed)
₹3,00,000 p.a.

Eligibility criteria not published on the product page.

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