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HDFC Bank Platinum Times Credit Card Review 2023

Citi Bank Paytm First Credit Card Review

Citi Bank Paytm First Credit Card Review

Citi Bank Paytm First Credit Card Review

Citibank and Paytm officially launched their co-branded Paytm First Credit Card on the Visa network. It is an entry-level credit card that offers 1% cashback on all spends without any restrictions. Here is a detailed review of this credit card.

Citibank Paytm First Credit Card Joining & Annual Fee

  • Joining Fee: NIL
  • Annual Fee: Rs. 500
  • Annual Fee Rs. Rebate will be given on expenditure of Rs.500. 50,000 or more in the previous year.

How to get Paytm First Credit Card

You can apply for this credit card paytm app (Check latest version of your app), you can get paytm first credit card application link on paytm app. Just click on the link and fill all the form and submit or you can directly visit on the CitiBank website and apply for that credit card.

Paytm first credit card eligibility criteria

There are no eligibility criteria to apply for this credit card. Citibank and Paytm have jointly developed a selection tool to identify potential customers. This will help the customers to own a credit card without the need for prior credit history.

However, as per the current data, Citibank and Paytm are offering this credit card to a customer who has a good relationship and transaction with Paytm.

Paytm First Credit Card is available only for select customers, you can check whether you are eligible or not through Paytm App. You should also check that your address falls within a serviceable area of ​​Citibank. Currently, this credit card is also available in Tier 2/3 cities.

Paytm first credit card benefits

This credit card comes with a default rewards rate of 1% cashback without any restrictions. 1% cashback will be automatically credited in the next statement. You can see in the photo below that the cashback has been credited to the next statement without any restrictions. Cashback is also given on rent payment through CRED (Dreamplug).

Features of Paytm First Credit Card

This credit is a co-branded entry-level credit card, so we should expect great features. Below are the minimum features.

This credit is issued over the Visa network and is accepted worldwide. International transactions are disabled by default as per RBI guidelines. If you wish to use this credit for international transactions, you must first switch on for international transactions through the CITIBANK mobile app or through NetBanking.

Citibank Paytm First Credit also offers lower interest rate on Equated Monthly Installment (EMI) options.

  • Seamless integration with Paytm app, Citibank can also check all transactions in Paytm app, apart from Paytm First credit card statement.
  • Exclusive offers on dining, shopping and traveling using the City Privilege platform.
  • 1+1 Movie Tickets
  • Complimentary one year paytm first subscription

  • Using the promo code 'CITIFRIDAYS' you can book at least two tickets every Friday, buy one ticket, and get one movie ticket free of charge using Paytm First Credit Card, though the total discount is Rs. limited to. 300/-

  • The promo code can be used to book movie tickets for any show-date. However, transactions using the promo-code can be done only on Fridays

Advantages and Disadvantages of Paytm First Credit Card


  • 1% cashback, better than other Entry-level credit cards.
  • Simple & straight reward redemption process
  • 1% cashback without any restrictions even on Utility Payment
  • No redemption Fees
  • No maximum cap on reward points monthly or Yearly
  • No need to full other T & C.

  • NO accelerated rewards points or cashback
  • No Bonus points
  • Limited to a few cities.
  • Application only through Paytm App

Here is my experience applying for Paytm First Credit Card.

  • Day 1 - Apply through Paytm App
  • Verification call received the next day they asked company name, salary, office address and office address.
  • Day 3 - On the third day PAN card and Aadhar card were handed over to the Citibank agent. He did not ask about salary slip or income proof.
  • Day 4 – Re-verification call received
  • Day 5 - Received an email that the application has been approved and the card for the 9th day has been received. Paytm First Credit Card Application Status was also visible on Paytm App.
  • The card was received through Blue Dart Courier. Credit card limit of Rs. 60,000 which is quite good considering the card is issued without proof of income

Paytm First Credit Card Offer 

If you apply for this credit from August 1 to August 31, you will get Rs. 1000 cashback, the only condition is that you must spend Rs 5000 with your new Paytm First card within 30 days of card issuance.

Cashback will be credited to your credit card account within 90 days of meeting the eligibility criteria based on best effort. The time limit provided for cashback is indicative only
Expected period and may differ from actual date.


Paytm First Credit Card is an entry-level credit offering 1% cashback on all spending without any restrictions. This is a wonderful card for those who do not have a credit card till date. However, I would say that ICICI Amazon Pay credit card has an edge over Paytm card for Amazon users as there is 5% back offer on Amazon. For Amazon Prime customers.



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