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PayTM Payments Bank RuPay Debit Card Review

Look & Feel

  • The first debit card in white
  • Looks elegant


  • Get a free insurance cover of up to Rs. 2 lacs in the incident of death or permanent total disability according to the terms and conditions.

Offers & Discounts

  • 5% up to 50 per month on utility bills
  • Check out other offers at
  • Lounge
    • Seems like there is two free domestic airport lounge access, confirmed by PayTM bank over twitter DM. I have not yet used to verify it. Will keep you posted on this
    • Rupay domestic airport lounge list


  • The PayTM account is already linked the PayTM account so no need to key in the debit card every time.
  • The QR code at back makes receiving money using PayTM wallet easily.


  • Reward points
    • No rewards for using the card
  • Usability
    • Can be used only in India

Bank Account Charges:

Rates & ChargesCost (In INR)Remark
Minimum account balanceNil
Interest Rate4 % per yearPayable monthly
SMS AlertsNil
ATM Transactions (Metro)3 free every month

post that

Cash withdrawal: Rs. 20/txn*Mini statement, Balance check, PIN change: Rs. 5/txn*

Mumbai, New Delhi, Chennai, Kolkata, Bengaluru and HyderabadATM Transactions (Non – Metro)5 free every month;

post that

Cash withdrawal: Rs. 20/txn*Mini statement, Balance check, PIN change: Rs. 5/txn*

Online funds transfer



Schedule of charges

Rates & ChargesCost (In INR)Remark
Digital RuPay Debit CardFree
Issuance charge120
Annual subscription for physical RuPay Debit Card100
Lost card replacementRs. 100 + delivery charges
Cheque book (10 leaves)Rs. 100 + delivery charges
Online passbookFree
Email statementsFree
Physical statements / certificatesRs. 50 + delivery chargesFree for Women, Senior Citizens and Armed Forces Personnel

Value Table

PrivilegesCalculationSavings on Market Value
IMPS / NEFT / UPI 10*2.5 = 1025
Cashback50*12 = 600600
Total Savings1,125
*The above illustration is based on hypothetical estimate of expenses.

General / Background

  • Issued by PayTM Payments Bank – ̌No fear. No greed. No entitlement. – India’s most sincere bank is here!
  • Powered by RuPay – – A New Domestic Card Payment Scheme and a product of NPCI – – National Payments Corporation of India (NPCI), an umbrella organisation for operating retail payments and settlement systems in India, is an initiative of Reserve Bank of India (RBI) and Indian Banks’ Association (IBA) under the provisions of the Payment and Settlement Systems Act, 2007, for creating a robust Payment & Settlement Infrastructure in India.


  • CardSavvy Debit Card Rating: 3/5


  • It really doesn’t make sense to hold a PayTM physical Debit card, it’s enough to have the digital debit card.


I recently used the PayTM RuPay platinum card in Plaza Premium at Bangalore Airport. It went through very smoothly.

It makes sense to hold a physical debit card of PayTM Payments bank.


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