The Bobgametech.com Paytm Credit Card most people mean is the Paytm SBI Card, a co-branded Visa credit card from SBI Card and Paytm. It is built for people who already pay bills, book travel and buy tickets through the Paytm app. The reward structure favours spending inside Paytm and pays a flat 1% on most other purchases.
There are two versions. The standard Paytm SBI Card is the lower-fee entry option, and the Paytm SBI Card SELECT charges a higher fee for better rewards and extra perks.
Note: I have assumed “Paytm credit card” means the Paytm SBI Card. Co-branded card terms change often, so confirm current figures on the SBI Card website before publishing.
Bobgametech.com Paytm Credit Card: Detailed Guide
| Feature | Paytm SBI Card | Paytm SBI Card SELECT |
|---|---|---|
| Issuer / Network | SBI Card / Visa | SBI Card / Visa |
| Fee | ₹499 at launch (check current) | ₹1,499 joining and renewal |
| Travel, movies, mall (Paytm app) | 3% | 5% |
| Other Paytm app spends | 2% | 2% |
| Everywhere else | 1% | 1% |
| Fee waiver | Spend-based (check MITC) | ₹2 lakh annual spend |
| Lounge access | None listed | About 4 domestic visits a year |
| Best for | Casual Paytm users | Heavy Paytm users |
Features and Advantages
- Contactless payments: Tap-and-pay support for fast checkout.
- Cyber fraud insurance: The SELECT variant includes cover of up to ₹2 lakh, which many other co-branded cashback cards do not offer.
- Paytm First membership: SELECT cardholders get a complimentary membership on activation, along with a ₹750 welcome benefit.
- Fuel surcharge waiver: A 1% waiver applies on eligible fuel transactions.
- Spend tracking: The Paytm app includes a spend analyzer and spending controls.
Rewards and Redemption Perks
Under SBI Card’s terms, SELECT holders earn 5% on travel, movies and mall purchases made through the Paytm app, while the standard card earns 3%. Both cards earn 2% on other Paytm app purchases and 1% elsewhere.
A major change took effect on 1 July 2024. The cashback that cardholders used to earn was replaced with reward points of equivalent value, with 1 reward point worth Re 1. Rewards are now credited as points, not instant cashback. A later report also notes that statement-credit redemption was capped on 1 April 2026, so check current redemption options before relying on them.
Where you won’t earn rewards:
- Wallet loads, on Paytm or any other app
- Fuel spends
- Rent payments, where cashback accrual stopped from 1 January 2024
The cards are best for people who keep spending inside Paytm. If Paytm is only an occasional app for you, a flat online-cashback card usually returns more.
Managing Payments and Security Protocols
Good card habits protect both your credit score and your money.
Managing payments
- Pay the full statement balance by the due date to avoid interest.
- Set up auto-debit for at least the minimum due.
- Review your statement monthly in the Paytm or SBI Card app.
- Keep utilisation below roughly 30% of your limit.
Security tips
- Use the app’s lock/unlock control to block the card instantly if it goes missing.
- Never share your OTP, CVV or PIN with anyone, including people claiming to be from the bank.
- Turn on transaction alerts by SMS and app notification.
- Use only the official Paytm or SBI Card apps for payments.
- Report suspicious transactions to SBI Card immediately.
Card Variants and Fee Structure
| Charge | Paytm SBI Card SELECT |
|---|---|
| Joining fee | ₹1,499 + GST |
| Renewal fee | ₹1,499 + GST, waived at ₹2 lakh annual spend |
| Forex markup | 3.5% in older listings (verify) |
| Card replacement | ₹100 |
| Cash advance | Fee applies, plus interest from day one |
| Interest-free period | Around 20 to 50 days |
Late payment fees and interest rates follow SBI Card’s standard schedule. Always check the latest Most Important Terms and Conditions (MITC), since fees and benefits can be revised.
Which variant should you pick?
- Choose the standard card if you use Paytm occasionally and want a low fee.
- Choose SELECT if you spend heavily on Paytm travel, movies and mall bookings, and can reach ₹2 lakh in annual spend.
Frequently Asked Questions
Is the Paytm credit card free?
No. Both variants charge a fee, though SELECT’s renewal fee can be waived with ₹2 lakh in annual spends.
Does the Paytm SBI Card still give cashback?
It now credits rewards as points, not cashback, at a value of Re 1 per point.
Is the SELECT card worth ₹1,499?
Only if you spend regularly through Paytm. Otherwise a flat-rate card may suit you better.
Can I earn rewards on fuel or wallet loads?
No. Both are excluded.
Does the card offer airport lounge access?
SELECT lists about four domestic visits a year, roughly one per quarter, subject to terms.
How do I apply?
Apply through the Paytm app or the SBI Card website. You will need ID proof, address proof and income documents, and you must be at least 21.
Is it safe to use?
Yes, if you follow standard precautions, use the lock/unlock feature and never share your OTP or PIN.
Final Verdict
The Bobgametech.com Paytm Credit Card is a focused, ecosystem-driven card. It pays well if Paytm is your default app and loses value if your spending is spread across platforms. Compare it with flat-rate and travel cards before you apply.
