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Paytm
SBI • Visa

Paytm

Catalog listing detected for this variant, but detailed earn and perk blocks are limited; verify current fees and reward rules on issuer pages.

Reviewed by CardWise Editorial Team
Last Verified: Recently Verified
Editorial Independence: Our recommendations are driven by mathematical value, not issuer payouts. We may earn a commission if you apply through our links, but this does not affect our scoring or the cards we feature.
Annual Fee₹500Annual fee waiver thresholds depend on issuer spend criteria.
Base Reward0.8%On all spends
Lounge AccessNoNo lounge access listed
Est. Annual Savings₹400Based on ₹4.8L annual spend

No Complimentary Lounge Access

This card currently does not show complimentary airport lounge access in our issuer-aligned dataset.

Fee waiver & value estimator

Adjust your spend to see fee waiver eligibility and capped rewards.

Annual fee
₹30,000 / mo
₹3,60,000 / year
Estimated rewards₹2,700

Assumes base reward rate only.

Annual fee₹500

Annual fee waiver thresholds depend on issuer spend criteria.

Net value₹2,200

Estimated savings per year.

Reward Rate Breakdown

Category-wise reward rates for this card

Basedefault
0.8%

Truth Data Snapshot

Issuer-linked details for offers, redemption, lounges, and reliability status.

Expand

Offer Truth

  • Joining fee₹500
  • Annual fee₹500
  • Waiver thresholdNot listed
  • Cap typenone
  • Cap resetnone
  • Last verifiedNot listed

Redemption Truth

  • Cash value/pointNot listed
  • Travel value/pointNot listed
  • Transfer partners0
  • Min redemptionNot listed
  • Expiry policyNot listed
  • Last verifiedNot listed

Lounge Truth

  • NetworkVisa
  • Domestic count0
  • International count0
  • Quarterly limitNot listed
  • Airport-terminal rows0
  • Policy checkNot listed

Reliability + Outcomes

  • Verification statuspending
  • Freshness days3
  • Source conflicts0
  • Applied reports0
  • Approval reports0

Upgrade Path

These are objective same-bank step-up options from the current rewards and lounge model.

Step 1

Flipkart SBI Credit Card

Annual fee: ₹500

Shared focus: RewardsHigher top earn rate (7.5%)Estimated +₹4,400/yr value
View Details
Step 2

PhonePe SBI Card PURPLE

Annual fee: ₹499

Shared focus: RewardsHigher top earn rate (3.0%)No higher annual fee vs current card
View Details

Lounge match needs verification

Lounge access data for this card could not be confidently matched. Please verify lounge eligibility directly with the issuer before relying on access.

Lounge Eligibility Checklist

Derived from card policy signals

Lounge Spend Tracker

Eligibility target met: No

Track lounge eligibility for Paytm using your current period spend.

₹0 spentAdd threshold to start tracking

No spend threshold was detected from current lounge policy text. You can still track manually.

Spend threshold

Annual fee waiver thresholds depend on issuer spend criteria.

Quarter / cycle rule

No quarter or billing-cycle lounge rule is explicitly listed.

Guest access

Guest access policy is not explicitly listed in current data.

Priority Pass

Priority Pass benefit is not listed for this card.

Lounge Locations

No airport-wise rows currently available

Airport-level lounge rows are not currently available for this card. We still show policy checklist details above.

Redemption Optimizer Unavailable

Redemption optimization is unavailable for this card right now; this card is better evaluated via direct cashback and feature value.

Decision Data Enrichment

Reused from validated provider snapshots with freshness gates and quality filters.

Enriched decision data not available

This card does not have publishable enrichment records in the current high-confidence snapshot.

Key Benefits

  • Category accelerators and exclusions are structured around merchant coding and issuer terms.
  • Reward accrual and redemption outcomes depend on statement cycle timing and program rules.
  • Useful as a stack component when paired with cards optimized for your highest spend categories.
  • Issuers frequently refresh offers and milestone conditions across campaign windows.

Things to Consider

  • Reward caps, MCC exclusions, and partner conversion limits can reduce realized returns.
  • Offer windows, transfer ratios, and eligibility checks can change without prior notice.
  • Annual fee and waiver thresholds should be re-validated on issuer terms before applying.

About Paytm

Paytm is a points card from SBI, best for balanced everyday rewards accumulation. It is tagged under rewards categories in our database.

Rewards

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Frequently asked questions

Is Paytm lifetime free?

It has an annual fee of ₹500. Annual fee waiver thresholds depend on issuer spend criteria.

What rewards does Paytm offer?

Catalog listing detected for this variant, but detailed earn and perk blocks are limited; verify current fees and reward rules on issuer pages.

Does Paytm include lounge access?

No complimentary lounge access is currently listed for this card.

Who should consider Paytm?

Balanced everyday rewards accumulation

Where can I apply for Paytm?

Check the issuer website for application availability.

Sources & Verification

  • Official Issuer Page:Direct Link
  • Last Verified: 2026-02-24
  • Data Method: Automated scraper + Manual audit

Key Terms

APR (Annual Percentage Rate)

The interest rate charged on unpaid dues if you don't pay your full bill by the due date.

Forex Markup

An additional fee charged for transactions made in foreign currency.

Lounge Access

Complimentary entry to airport lounges, often subject to spend milestones.

Milestone Benefits

Bonus rewards unlocked when you cross specific spending thresholds within a period.