How to Increase Credit Limit on Paytm HDFC Bank SELECT Business Credit Card

Are you using Paytm HDFC Bank SELECT Business Credit Card? Want to Increase the credit limit? Then this is the right place. In this post we are going to show you How to Increase Credit Limit on Paytm HDFC Bank SELECT Business Credit Card.

Welcome to coinobear, In this post, we are going to show you How to Increase your Credit Limit on Paytm HDFC Bank SELECT Business Credit Card . Paytm HDFC Bank SELECT Business Credit Card Comes with a lot of exciting offers. Customers can make unlimited purchases at any merchant that accepts credit cards worldwide. Paytm HDFC Bank SELECT Business Credit Card is best fit for Shopping | enthusiast. Joining Fee: HDFC Bank charges Rs. 1,000 (plus applicable taxes) as the joining fees for the Paytm HDFC Bank Select Business Credit Card..

 

Paytm HDFC Bank SELECT Business Credit Card Details

Card Name Paytm HDFC Bank SELECT Business Credit Card
Joining Fee Rs. 1,000 (plus applicable taxes)
Reward Type Cashback |
Fuel Surcharge 1% fuel surcharge waived off for all transactions between Rs. 400 & Rs. 5,000 and Maximum Cashback of Rs. 500per statement cycle.
Apply Link Apply Here

 

Fees & Charges

What is the joining fee of Paytm HDFC Bank SELECT Business Credit Card?

Rs. 1,000 (plus applicable taxes)

What are the Welcome Benefits for Paytm HDFC Bank SELECT Business Credit Card?

Get complimentary Paytm First Membership as a welcome gift on making your first transaction worth Rs. 100 or more.

Enjoy 12 Complimentary access to Domestic Airport Lounges across the country in a calendar year (Capped at 3 visits per Quarter).

Paytm HDFC Bank SELECT Business Credit Card Benefits & Rewards

Movie / Dining 

Upto 20% discount on partner restaurants via Dineout.

Rewards Rate 

Enjoy 12 Complimentary access to Domestic Airport Lounges across the country in a calendar year (Capped at 3 visits per Quarter).

Reward Redemption

Redeem your Cashpoints as Cashback along with other redemption options.

Travel Benefits for Paytm HDFC Bank SELECT Business Credit Card

You can use the Cashbacks to book hotel/flights bookings on Smartbuy.

 

Airport Lounge Access

Domestic Lounge Access : 12 Complimentary access to Domestic Airport Lounges across the country in a calendar year (3 visits per Quarter).

International Lounge Access : NA

Insurance Cover

The Cardholder is eligible for Personal Accidental Death Cover + Permanent Disability Cover.

How to Increase Credit Limit on Paytm HDFC Bank SELECT Business Credit Card

1. Create a budget plan

Before you decide what to purchase with your credit card, you should first create a budget plan. Spend some time doing research on how much money you have to spend each month. Do not forget about other expenses like insurance, utilities, food, and gas. By taking these factors into consideration, you will be able to determine what kind of purchases you want to make with your card. If you do not have enough money left over at the end of the month, you may need to cut down on certain spending categories.

2. Decide which product you want

After you have determined your monthly income, you can then choose what type of products you want to buy using your card. Take note of your personal preferences by looking at reviews online and reading customer opinions. You could even consider buying various samples in order to learn more about them before making a final decision.

3. Make sure you’re not paying interest

If you pay off your balance in full each month, you will avoid paying interest charges. However, if you carry a balance, you will incur additional fees. Always check the terms and conditions of your credit cards to find out what they offer.

4. Keep track of your spending

You should keep track of your spending and use the information to help you stay on top of your finances. Write down everything that you spend money on, including any receipts and items purchased online. Once you have done this, try to reduce unnecessary spending. As soon as you notice yourself starting to overspend, write down the amount you spent and add the item to a list of things you wish to get rid of.

5. Avoid impulse buys

Impulse buys are purchases without prior planning. These are purchases that you cannot wait to make, even if it means having to sacrifice something else. When you are tempted to make an impulsive purchase, take a moment to ask yourself whether this really is necessary. If you still feel compelled to go ahead with your purchase, try delaying the transaction until later.

6. Manage your credit score

If you want to increase your limit on your credit card, you will need to maintain a good credit score. To improve your credit score, start by monitoring your payments. Try to repay all of your bills on time and do not exceed your limits. In addition, look for ways to lower your debt-to-income ratio. Your ratio is calculated by dividing the total amount of debt you owe by your gross annual income. A higher ratio indicates less financial responsibility. Paying down your debts can greatly improve your credit score.

 

Our thoughts

Increasing Card Limit on Paytm HDFC Bank SELECT Business Credit Card totally depends on your previous relationship with your bank, credit history, and payment time.  If we missed anything please let us know in the comment section

Leave a Reply

Your email address will not be published.

You May Also Like
Read More

PNB RuPay Platinum Patanjali Credit Card Detailed Review – Apply Online, Benefits Rewards, Apply Online, & Documentation

Welcome to coinobear Card Review, In this post, we are going to show PNB RuPay Platinum Patanjali Credit Card Detailed Review, Benefits and Rewards, and How to apply online. PNB RuPay Platinum Patanjali Credit Card Comes with a lot of exciting offers. Customers can make unlimited purchases at any merchant that accepts credit cards worldwide. PNB RuPay Platinum Patanjali Credit Card is best fit for Shopping | enthusiast. The joining fee of the PNB RuPay Platinum Patanjali Card is zero. However, it charges a nominal annual fee of Rs. 500, which can be waived off just by using using your credit card at least once each quarter..
Read More

Standard Chartered Manhattan Credit Card Detailed Review – Apply Online, Benefits Rewards, Apply Online, & Documentation

Welcome to coinobear Card Review, In this post, we are going to show Standard Chartered Manhattan Credit Card Detailed Review, Benefits and Rewards, and How to apply online. Standard Chartered Manhattan Credit Card Comes with a lot of exciting offers. Customers can make unlimited purchases at any merchant that accepts credit cards worldwide. Standard Chartered Manhattan Credit Card is best fit for Shopping | enthusiast. The joining/annual fee of this credit card is Rs. 999. This monthly fee is waived off on spending Rs. 1.2 lakhs or more in the previous year..
Read More

Union Platinum RuPay Credit Card Detailed Review – Apply Online, Benefits Rewards, Apply Online, & Documentation

Welcome to coinobear Card Review, In this post, we are going to show Union Platinum RuPay Credit Card Detailed Review, Benefits and Rewards, and How to apply online. Union Platinum RuPay Credit Card Comes with a lot of exciting offers. Customers can make unlimited purchases at any merchant that accepts credit cards worldwide. Union Platinum RuPay Credit Card is best fit for Shopping | enthusiast. On Union Platinum RuPay Credit Card, you can earn 2 reward points on every Rs. 100 spent..