Paytm SBI Credit Card: Benefits, Eligibility and How to Apply

Do you prefer using Paytm UPI for everyday payments due to its speed, zero-cost and direct bank-to-bank transfer facilities? Then, applying for the Paytm SBI Credit Card can be a smart choice for you. 

This is not a card, a pass to earn up to 5% rewards on Paytm Travel, enjoy benefits worth up to ₹50,000, get a free Paytm First Membership and much more. Explore the detailed benefits below. 

Paytm SBI Credit Card Benefits 

• Welcome Gifts: Complimentary Paytm First Membership after card issuance.
• Cashback Offers:
• 3% cashback on all transactions on Paytm Travel. 
• 2% cashback on other transactions via Paytm.
• 1% cashback on any transaction (be it offline or online).
• Fuel Surcharge Waiver
• 1% waiver for purchasing fuel between ₹500 and ₹3000.
• ₹100 (maximum waiver limit) per billing cycle for every credit cardholder.
• Worldwide Acceptance
• Card acceptance at 3,25,000 stores across India.
• Use at more than 24 million outlets around the world.
• FlexiPAY Offers
• Make a transaction worth ₹2,500 or more.
• Convert it into Flexipay within 30 days.
• Insurance Coverage: Get insurance coverage against fraudulent activities of up to ₹1,00,000 with the Paytm SBI Credit Card.
• Milestone Benefit: If you spend ₹1,00,000 in retail purchases swiping your credit card during a membership year, you will receive an exclusive e-voucher for Paytm First Membership renewal.
• Add-on Card Privileges: Earn add-on card privileges and extend exciting facilities for your loved ones, including children above 18 years of age.

Paytm SBI Credit Card Eligibility and Documents Required 

• Be above 21 years (minimum). 
• Have a steady income (Whether you are self-employed or a salaried individual).
• Have a good credit score.

When considering KYC documents, you need to submit photocopies of your PAN, Aadhaar card, address proof (voter's ID, passport or Ration card), income proof (payslip or ITR files) and one recent passport-size photo.

Worried about not having a good credit history? No Problem!

Getting a credit card in 2025 is easier than ever. With the RuPay Select Credit Card from Stable Money, your Fixed Deposit does the talking, not your credit score. Here, your FD’s 90% works as your credit limit. 

Apply for the card and enjoy exclusive privileges specially designed for you!

How to Apply for the Paytm SBI Credit Card?

• Step 1: Go to the official <a href="https://www.onlinesbi.sbi/" target="_blank" rel="nofollow noopener noreferrer">https://www.onlinesbi.sbi/</a>
• Step 2: Click on ‘SBI Card’> ‘Credit Cards’> All Cards’.
• Step 3: Find the ‘Paytm SBI card’ and hit the ‘Apply Now’ button.
• Step 4: A form will open on your screen. Answer the questions and enter personal details accurately, including name, address, email address and more.
• Step 5: Verify your mobile number and check the consent boxes. 
• Step 6: Instantly, you will receive an OTP. Enter the OTP and other necessary details.
• Step 7: Enter the captcha and tap the ‘Submit’ button.

Paytm SBI Credit Card Charges 

How to Pay SBI Credit Card Bills via Paytm App? 

• Step 1: Download the Paytm app and log in with your credentials
• Step 2: Hit the ‘Credit Card Payment’ button that is under the ‘Recharge & Bill Payments’ option. 
• Step 3: Enter the 16-digit unique credit card number in the box.
• Step 4: Click on the ‘Proceed’ button to know the invoice amount of your credit card.
• Step 5: Choose any payment mode from the options such as debit card, credit card, UPI, NetBanking and make the payment.

What to Know Before Applying for the Paytm SBI Credit Card?

1. It is best for individuals who prefer making everyday payments via the Paytm app.
2. Opt for this if this is your first credit card and looking for the basic benefits.

But what about exclusive benefits, such as discounts on flight charges, concierge services, gym memberships, free golf sessions and more? For those, you must opt for the lifetime-free RuPay-powered Secured Credit Card by Stable Money. 

Go to the Stable Money app, navigate to the ‘Secured Card’ section, explore the facilities and press the 'Apply now' button. You will get instant approval!