IDFC FIRST Wealth Credit Card on Paytm

Yes, but only its standard rate: the IDFC FIRST Wealth Credit Card gives 0.12% back on Paytm, the same as most other spends.

On Paytm

0.12%

Other spends

0.38%

Rank for Paytm

#126 of 149

Annual fee

Free

What to know before you pay on Paytm

How it works

Same rates as Millennia/Select. Flights/hotels booked in the IDFC FIRST app get 20% bonus points on top.

Caps & rules

1 point per ₹200 = 1X, 1 point = ₹0.25.
10X on dining, travel, international and your birthday (1.25%); 3X elsewhere (0.375%); 1X on utilities, insurance, railway, FASTag (0.125%).
Plus 20% bonus points every month on flights and hotels booked in the IDFC FIRST app.
Zero forex markup since 18 Sep 2026.

Reward limits

10X points on dining, travel, international and birthday spends; 3X elsewhere: Points only on spends up to your credit limit per billing cycle
1X points on utilities, insurance, railways and FASTag: No limit

No rewards on

Fuel, EMI, cash withdrawals. Utilities, insurance, railway and FASTag earn only 1X. Points only on spends up to your credit limit per cycle. ₹99 + GST per redemption.

Checked 2026-10-03 · Bank terms

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Cards that earn more on Paytm

#1
HSBC Live+ Credit Card
HSBC Bank · Free · Max ₹1,200 a month

10%
Apply now
#2
IDFC FIRST Power+ Credit Card
IDFC FIRST Bank · Free

5%
Apply now
#3
Standard Chartered Ultimate Credit Card
Standard Chartered · Rs. 5,000 + Taxes

3.33%
Apply now

Where else the IDFC FIRST Wealth Credit Card earns more

Air India 1.25% Akasa Air 1.25% Cleartrip 1.25% Dining out 1.25% Goibibo 1.25% IndiGo 1.25% MakeMyTrip 1.25% Swiggy 1.25%

Questions

Does the IDFC FIRST Wealth Credit Card give rewards on Paytm?

Yes, but only its standard rate: the IDFC FIRST Wealth Credit Card gives 0.12% back on Paytm, the same as most other spends.

Is there a limit on IDFC FIRST Wealth Credit Card rewards?

1 point per ₹200 = 1X, 1 point = ₹0.25. 10X on dining, travel, international and your birthday (1.25%); 3X elsewhere (0.375%); 1X on utilities, insurance, railway, FASTag (0.125%). Plus 20% bonus points every month on flights and hotels booked in the IDFC FIRST app. Zero forex markup since 18 Sep 2026.

Which credit card is best for Paytm?

HSBC Live+ Credit Card is the best pick for regular spending on Paytm, with 10% back. The IDFC FIRST Wealth Credit Card ranks #126 of 149 cards we compared, by what each returns after caps.