As a lifestyle YouTuber, Manu dedicates himself to travelling modern trends and sharing his stories to build meaningful connections with his audience. He continuously travels while taking pictures of various fashion, technology, and entertainment trends. Manu's spending approach allows him to save money while he lives a premium lifestyle.

In a recent episode of the Lifestyle Creators Podcast, Manu discussed how his spending habits transformed after he got the SBI Paytm Credit Card.

Manu said, “The special benefits combined with cashback from this card have allowed me to enhance my lifestyle while saving money each month. Premium services and technology upgrades are accessible through this card because the benefits eliminate my spending concerns.”

Manu defines how the SBI Bank Paytm Credit Card is beneficial for him:

I spent ₹15,000 on groceries, online shopping, gadgets, and Paytm transactions. I earned nearly 5% cashback on Paytm and 1% on other spends annually, so I save ₹750 monthly and almost ₹9,000 annually.
I spend ₹8,000 monthly on dining and online food with the SBI Paytm credit card, which gives me 10% cash back on some selective restaurants and food delivery apps. The Paytm credit card helps me to save ₹800 monthly and annually ₹9,600.
I watched movies in the cinema hall and on the OTT platform every month, and I saved ₹300 monthly and ₹3,600 annually.
Regarding my fuel surcharge waiver, the SBI Paytm Credit Card helps me save ₹100 monthly and ₹1,200 annually.
I also enjoy complimentary airport lounge access twice a year, which helps to save ₹2,000 annually.

Manu's Total Savings are almost ₹24,400+ per year!

What is an SBI Paytm Credit Card?

The SBI Paytm Credit Card is a branded product of the State Bank of India (SBI) along with Paytm that delivers maximum cashback benefits and rewards during regular purchases. Users of this card can earn 5% of their transaction value for Paytm wallet recharges and bill payments. For other transactions, customers get 1% cashback.

Read More – Paytm HDFC Credit Card

Standard payment benefits of the credit card include a 10% cashback for dining purchases, along with 20% cashback for movie tickets and OTT entertainment, and a 1% fuel surcharge waiver. Additional privileges from the credit card access airport lounges are free of charge, while it exempts transaction fees outside your home country.

Online buyers who love food and are interested in travelling can benefit from this card, which offers superior convenience, cost savings, and luxurious benefits.

Key Features and Benefits of SBI Paytm Credit Card

1. High Cashback

Through SBI Paytm Credit Card, users obtain two kinds of cashback support: 5% cashback for Paytm wallet transactions and bill payments, but limited to ₹500 per month, and 1% cashback on all other payments with no spending restrictions to meet financial targets.

How It Works

5% cashback: Applicable on Paytm wallet recharges, bill payments (mobile, DTH, electricity, etc.), and Paytm transactions. The maximum cashback is ₹500 per month.
1% cashback: Applicable on all other spends (online and offline) with no upper limit.

Example: Manu uses a credit card from an SBI bank that offers high cashback on Paytm wallet recharge, offline spending, and online shopping. Here is how it works for Manu:

Spend Category	Monthly Spend	Cashback Rate	Cashback Earned	Annual Cashback
Paytm wallet Recharge	₹10,000	5% (up to ₹500)	₹500 (₹10,000 / 100 x 5 = ₹500)	₹6,000 (₹500 x 12 = ₹6,000)
Offline spending	₹5,000	1%	₹50 (₹5,000 / 100 x 1 = ₹50)	₹600 (₹50 x 12 = ₹600)
Online Shopping (Non-Paytm)	₹15,000	1%	₹150 (₹15,000 / 100 x 1 = ₹150)	₹1,800 (₹150 x 12 = ₹1,800)
Total	₹30,000		₹700	₹8,400

Manu’s Annual Savings

If Manu spends ₹30,000 every month on eligible categories:

Monthly Cashback: ₹700
Annual Cashback: ₹700 x 12 = ₹8,400

Key Points

5% Cashback Cap: You can earn a maximum of ₹500 per month on Paytm transactions, even if your spends exceed ₹10,000.
1% Cashback: No cap on cashback for non-Paytm spends.
Easy Redemption: Cashback is credited directly to your Paytm wallet or card statement.
Wide Applicability: Paytm transactions include recharges, bill payments, and purchases on the Paytm app.

2. Dining Benefits

Customers with the SBI Paytm Credit Card can receive rewards of 10% cashback while dining at designated restaurants and locations for food delivery purchases. This specific feature benefits regular eaters who use online food delivery services.

How It Works

10% Cashback: Applicable on dining spends at partner restaurants and food delivery platforms (e.g., Swiggy, Zomato, and select dine-in restaurants).
Maximum Cashback: ₹500 per month.
Eligibility: Cashback is credited only for transactions at partner outlets or platforms.

Example: Manu uses a Paytm credit card from an SBI bank that offers dining benefits. Here is how it works for Manu

Spend Category	Monthly Spend	Cashback Rate	Cashback Earned	Annual Cashback
Food Delivery (Swiggy/Zomato)	₹8,000	10%	₹800 (₹8,000 / 100 x 10 = ₹800)	₹9,600 (₹800 x 12 = ₹9,600)
Dine in at Partner Restaurants	₹6,000	10%	₹600 (₹6,000 / 100 x 10 = ₹600)	₹7,200 (₹600 x 12 = ₹7,200)
Total	₹14,000		₹1,400	₹16,800

Manu’s Annual Savings on Dining

If Manu spends ₹14,000 every month on eligible categories:

Monthly Cashback: ₹1,400
Annual Cashback: ₹1,400 x 12 = ₹16,800

Key Points

Earn 10% cashback on dining spends at partner restaurants and food delivery platforms.
Maximum cashback of ₹500 per month.
Popular food delivery apps like Swiggy, Zomato, and select dine-in restaurants are included.
Cashback is credited directly to your Paytm wallet or card statement.

3. Entertainment Savings

The SBI Paytm Credit Card provides movie ticket and OTT platform subscriptions with 20% cashback benefits, which makes it perfect for entertainment enthusiasts. This explanation includes a table of calculations and essential points with an example of how lifestyle YouTuber Manu utilises this benefit.

How It Works

20% Cashback: Applicable on movie tickets booked through Paytm and OTT platform subscriptions (e.g., Netflix, Amazon Prime, Disney+ Hotstar).
Maximum Cashback: ₹500 per month.
Eligibility: Cashback is credited only for transactions made through Paytm or partner platforms.

Example: Manu uses a Paytm credit card from an SBI bank that offers entertainment discounts. Here is how it works for Manu.

Spend Category	Monthly Spend	Cashback Rate	Cashback Earned	Annual Cashback
Movie Tickets (Paytm)	₹1,500	20%	₹300	₹3,600
OTT Subscriptions (Paytm)	₹1,000	20%	₹200	₹2,400
Total	₹2,500		₹500	₹6,000

Manu’s Annual Savings on Entertainment

If Manu spends ₹2,500 every month on eligible categories

Monthly Cashback: ₹500
Annual Cashback: ₹500 x 12 = ₹6,000

Key Points

Earn 20% cashback on movie tickets and OTT subscriptions booked through Paytm.
Maximum cashback of ₹500 per month.
Includes movie tickets booked via Paytm and OTT subscriptions like Netflix, Amazon Prime, and Disney+ Hotstar.
Cashback is credited directly to your Paytm wallet or card statement.

4. Surcharge Waiver

The SBI Paytm Credit Card gives its users an advantage in fuel costs because they receive a 1% discount on their fuel station purchases at every gas station nationwide. This explanation includes a table, calculations, and essential points while demonstrating how lifestyle YouTuber Manu derives value from this feature.

How It Works

1% Fuel Surcharge Waiver: Applicable on fuel purchases of ₹500 or more at any fuel station.
No Cap: The unlimited waiver means you can save on every eligible fuel transaction.
Eligibility: The waiver is automatically applied to your card statement.

Example: Manu uses a credit card from an SBI Bank that offers a fuel surcharge waiver. Here is how it works for Manu:

Spend Category	Monthly Spend	Surcharge Rate	Surcharge Waived	Annual Savings
Fuel Purchases	₹10,000	1%	₹100	₹1,200

Manu’s Annual Savings on Fuel:

If Manu spends ₹10,000 every month on eligible categories:

Monthly Surcharge Waived: ₹100
Annual Surcharge Waived: ₹100 x 12 = ₹1,200

Key Points

Save 1% on fuel surcharges for every transaction of ₹500 or more.
Unlimited savings on fuel surcharges.
Applicable at all fuel stations across India.
The surcharge is automatically reversed in your card statement.

5. Travel Perks

How It Works

Complimentary Airport Lounge Access:
- Cardholders get 2 complimentary visits per quarter to domestic and international airport lounges.
- Access is provided through the DreamFolks lounge program.

Zero Foreign Transaction Markup Fees:
- No additional charges (typically 2 to 3.5%) on international transactions.
- Applicable on all spends made in foreign currency.

Example: Manu uses a Paytm credit card from an SBI bank that offers Travel Perks. Here is how it works for Manu:

Travel Perks	Usage Frequency	Savings per Use	Annual Savings
Airport Lounge Access (Domestic)	2 visits per quarter	₹1,000 (per visit)	₹8,000
Airport Lounge Access (International)	2 visits per quarter	₹2,000 (per visit)	₹16,000
Zero Foreign Transaction Markup	₹50,000 annual spend	2% markup waived	₹1,000
Total			₹25,000

Manu’s Annual Savings on Travelling is ₹25,000

Key Points

Airport Lounge Access:
- Free access to 800+ lounges worldwide via the DreamFolks program.
- Includes complimentary food, beverages, and Wi-Fi.
Zero Foreign Transaction Markup:
- Saves 2 to 3.5% on international spending, including online and offline transactions.
- Ideal for frequent international travellers or online shoppers.
Easy Redemption:
- Lounge access is activated via the DreamFolks app or SMS.
- No additional fees for international transactions.

6. Reward Points

All purchases using the SBI Paytm Credit Card generate reward points, because of which users can benefit from higher savings potential. This description provides comprehensive details through an example table combined with quantitative calculations and essential points,

which explain how lifestyle YouTuber Manu gains from the reward point system.

How It Works

Online Spends: Earn 4 reward points per ₹100 spent online (e.g., shopping, bill payments, subscriptions).
Offline Spends: Earn 2 reward points per ₹100 spent offline (e.g., dining, fuel, retail stores).
Redemption: 1 reward point = ₹0.25 (can be redeemed for Paytm cashback, gift vouchers, or statement credit).

Example: Manu uses a credit card from an SBI bank that offers reward points for offline and online shopping. Here is how it works for Manu:

Spend Category	Monthly Spend	Reward Points Rate	Reward Points Earned	Cash Value	Annual Cash Value
Online Spends	₹20,000	4 points per ₹100	800	₹200 (800 x ₹0.25 =₹200)	₹2,400 (₹200 x 12 = ₹2,400)
Offline Spends	₹10,000	2 points per ₹100	200	₹50 (200 x ₹0.25 = ₹50)	₹600 (₹50 x 12 = ₹600)
Total	₹30,000		1,000	₹250	₹3,000

Manu’s Annual Savings through reward points are ₹3,000

Key Points

Earn 4 points per ₹100 on online spending and 2 points per ₹100 on offline spending.
Redemption Value: 1 reward point = ₹0.25.
Online spending includes e-commerce, bill payments, and subscriptions, while offline spending covers dining, fuel, and retail purchases.
Reward points can be redeemed for Paytm cashback, gift vouchers, or statement credit.

7. Welcome Benefits

The SBI Paytm Credit Card provides new holders with a valuable welcome bonus that awards 5,000 Paytm Cashback Points worth ₹1,250 when customers spend ₹50,000 within 90 days after getting the card. The Paytm Cashback Points from these transactions can be used to claim benefits such as wallet cashback gift vouchers or statement credit payments.

New clients who use this benefit can build their savings foundation while enjoying enhanced reward points worth ₹1,250 from Paytm Cashback Points earned by spending ₹50,000 within three months.

Eligibility Criteria for SBI Paytm Credit Card

The SBI Paytm Credit Card benefits require applicants to fulfill requirements and share relevant documents. The Paytm credit card suits individuals who demonstrate financial responsibility through a stable monetary background and a solid credit profile.

Age	For Paytm Cardholders: Applicants must be between 21 and 60 years old.
Employment Status	Salaried, self-employed professionals and business owners can apply with a stable income source.
Credit Score	A good credit score (typically 750 or above) is required to qualify for the card.
Existing Relationship with SBI Bank	Higher chances if you have regular transactions, a good savings balance, or investments with SBI.

For more details, visit the SBI Bank website or contact customer care at 1860 180 1290.

Required Documents to Apply for SBI Paytm Credit Card

Your application requires these documents to finish the process:

Identity Proof: Aadhaar card, PAN card, or passport.
Address Proof: Utility bill, rental agreement, or Aadhaar card.
Income Proof: Salary slips (last 3 months) or income tax returns (for self-employed individuals).
Passport-sized Photograph.

How to Apply for an SBI Paytm Credit Card?

Offline Application:

Step 1: Visit the nearest SBI Bank branch. You can find your nearest SBI Bank branch with the help of their Branch locator.

Step 2: To initiate the application process, you request a credit card application from SBI Bank branches.

Step 3: Fill in the required details and attach the necessary documents, like address proof and income proof.

Step 4: After completing your form, submit it to the bank representative.

Step 5: Wait for 24 hours to 48 hours.

Step 6: When SBI Bank verifies your documents, the bank will approve your Credit Card.

Online Application:

Step 1: Visit the official website of the SBI Bank and navigate to Credit Card.

Step 2: Select the “Credit Card” option.

Step 3: You will now see all SBI credit cards. Select one of your needs, then click here for the direct link.

Step 4: Fill in the required personal and financial details.

Step 5: Upload necessary documents (PAN card, Aadhaar, income proof, address proof).

Step 6: Apply and await approval (online applications take 7-10 working days).

Fees of SBI Paytm Credit Card

The following charges are linked to this credit card:

Joining Fees	₹499 + GST
Interest Rate	3.50% per month (approximately 42% annually) on unpaid balances.
Renewal Charges	₹499 + GST
Late Payment Fee	Up to ₹500: NIL ₹500 - ₹1,000: ₹400 ₹1,001 - ₹10,000: ₹750 ₹10,001 - ₹25,000: ₹950 ₹25,001 - ₹50,000: ₹1,100 ₹50,001 and above: ₹1,300

How to check an SBI Credit Card Statement and Balance?

Online (SBI Card Website):	Steps to Check Statement and Balance Visit the SBI Card Website: Go to www.sbicard.com. Log In to Your Account: Click on "Login" and enter your Username and Password. If you are a new user, click on "Register" to create an account using your credit card details. View Statement: After logging in, go to the "Statements" section. Select the billing cycle to view or download your statement. Check Balance: Your outstanding balance and available credit limit will be displayed on the dashboard.
Mobile App (SBI Card App):	Steps to Check Statement and Balance Download the SBI Card App: Download the SBI Card app from the Google Play Store or Apple App Store. Log In to Your Account: Open the app and log in using your credentials. New users can register using their credit card details. View Statement: Navigate to the "Statements" section to view or download your statement. Check Balance: Your current balance and credit limit will be displayed on the home screen.
SMS:	Steps to Check Balance Send an SMS: Type "BAL" followed by the last four digits of your credit card number. Send the SMS to 5676791. Receive Balance Information: You will receive an SMS with your outstanding balance and available credit limit.
Customer Care:	Steps to Check Statement and Balance Call SBI Card Customer Care: Dial 1860 180 1290 or 39 02 02 02 (toll-free). Follow the IVR Instructions: Select the option to check your balance or statement. You may need to provide your credit card details for verification. Receive Information: The customer care executive will provide your balance or email your statement.
Email:	Steps to Check Statement Request a Statement via Email: Send an email to sbicard@sbicard.com from your registered email address. Mention your credit card number and request your statement. Receive Statement: Your statement will be sent to your registered email address.
ATM:	Steps to Check Balance Visit an SBI ATM: Insert your SBI Credit Card and enter your PIN. Select "Credit Card Balance": Choose the option to check your credit card balance. View Balance: Your outstanding balance will be displayed on the screen.

Conclusion

The SBI Paytm Credit Card is a flexible and beneficial financial solution that suits contemporary living needs. Users receive valuable savings through this credit card because it rewards them with 5% cashback on Paytm transactions, 10% cashback on dining, 20% cashback on entertainment, and a 1% fuel surcharge waiver.

Also Read - How to Close Paytm Postpaid

This credit card suits travellers and online shoppers because it provides free airport lounge entry and zero international transaction fees with reward points. You can get added value through the welcome benefit, which provides 5,000 Paytm Cashback Points. The card suits freelancers and content creators, along with travelers, by providing enhanced ease of use along with valuable deals over an outstanding feature set.

FAQs Related to SBI Paytm Credit Card

What is the cashback rate on Paytm transactions?

5% cashback on Paytm wallet recharges, bill payments, and transactions (up to ₹500/month).

Is there a fee for international transactions?

No, the card offers zero foreign transaction markup fees.

How many reward points do I earn on online spending?

Earn 4 reward points per ₹100 on online spending.

What is the welcome benefit?

Get 5,000 Paytm Cashback Points (worth ₹1,250) on spending ₹50,000 within 90 days.

How many airport lounge accesses are free?

2 complimentary lounge visits per quarter.

Is there a fuel surcharge waiver?

Yes, 1% fuel surcharge waiver on transactions of ₹500 or more.

How can I redeem my reward points?

Redeem points for Paytm cashback, gift vouchers, or statement credit.