Saifu
Saifu
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Best card by app

Best credit card for Paytm

Reviewed by Chandan Kumar Dash · Card terms as of 6 October 2026

Quick answer. For ₹5,000 a month on Paytm, Axis Bank Cashback returns about ₹3,000 a year, or ₹2,000 after its ₹1,000 annual fee. With no annual fee, Zaggle returns ₹1,200 a year.

Most back at ₹5,000 a monthAxis Bank Cashback₹2,000 a year after the fee
Most back at ₹15,000 a monthAxis Bank Cashback₹8,000 a year after the fee
Best with no annual feeZaggle₹1,200 a year

Pick your monthly Paytm spend

₹5,000 a month on Paytm
#CardRewards a yearAnnual feeNet a yearLink
1Axis Bank CashbackAxis Bank₹3,000₹1,000₹2,000Apply
2PhonePe SBI Card SELECT BLACKSBI Card₹3,000₹1,499₹1,501Bank page
3PVR INOX KotakKotak Mahindra Bank₹1,800₹499₹1,301Bank page
4ZaggleAU Small Finance Bank₹1,200Free₹1,200Apply
5Scapia Axis BankAxis Bank₹1,200Free₹1,200Apply
6Kotak 811 Dream DifferentKotak Mahindra Bank₹1,200Free₹1,200Bank page
7IndusInd Bank PinnacleIndusInd Bank₹1,125Free₹1,125Bank page
8CRED IndusInd Bank RuPayIndusInd Bank₹1,500₹499₹1,001Bank page
9Hello CashbackIDFC FIRST Bank₹1,800₹1,000₹800Apply
10Paytm SBI CardSBI Card₹1,200₹499₹701Bank page

Rewards a year: what the card pays back on Paytm alone, counting monthly caps. Net: rewards minus the annual fee. Many fees are waived once your total yearly spend on the card crosses the bank's limit; see each card's page.

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Questions

Which credit card gives the most back on Paytm?

At ₹5,000 a month, Axis Bank Cashback gives the most after its annual fee: about ₹2,000 a year. The answer changes with how much you spend, because most cards cap their extra rewards each month.

Is there a lifetime free card for Paytm?

Zaggle charges no annual fee and returns about ₹1,200 a year on ₹5,000 a month of Paytm spends.

How does Saifu work these figures out?

Each card's reward rules, caps and exclusions from its bank's terms are run on three months of Paytm spends at each amount, then scaled to a year. Only Paytm spends count towards the caps here; if your other spends share the same cap, you get less.

See also: best cards by type, find a card for all your spends, compare two cards.

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