Reward Points

10X Reward Points: Earn 10x points after spending ₹20,000 or more in a month.

Birthday Bonus: Earn 10x points on purchases made on your birthday.

3X Reward Points: On online and offline purchases up to ₹20,000.

1X Reward Points: On insurance and utility spends.

No Expiration: Reward points do not expire and can be accumulated for future use.

Exclusions: No reward points on fuel purchases, insurance policies, EMI transactions, or cash withdrawals.

Note: 1X = 1 Reward Point for every ₹150 spent.

Reward Redemption

Easy Redemption: Reward points can be redeemed across various categories and products.

Redemption Value: 1 Reward Point = ₹0.25.

Redemption Fee: ₹99 plus taxes for each redemption.

Welcome Benefits

E-Gift Voucher: Receive a ₹500 voucher for spending ₹5,000+ within 30 days of card issuance.

Cashback: 5% cashback on the first EMI transaction (up to ₹1,000) within the first month.

Movie Offers

Movie Discounts: 25% discount on movie tickets (up to ₹100) on the Paytm app once a month.

Dining Benefits

Dining Discounts: Up to 20% off at over 1,500 leading restaurants across India.

Free Railway Lounge Access

Complimentary Lounge Access: Up to 4 visits per quarter to select Railway Lounges, offering luxury and comfort similar to high-end hotels.

Participating Lounges:

• Agra Cantt Railway Station
• Ahmedabad Kalupur Railway Station
• Chennai Central Railway Station
• Old Delhi Railway Station
• Kolkata (Sealdah) Railway Station
• New Delhi Railway Station
• Varanasi Cantt Railway Station
• Jaipur Railway Station
• Requirement: Present your valid card and train ticket to access the lounges.

Insurance Benefits

Personal Accident Cover: Coverage of ₹2 Lakhs in case of accidents or mishaps.

Lost Card Liability: Coverage of ₹25,000 in case of card loss, applicable if the card is active