How to Add Money to Paytm Wallet Using a Credit Card - Kotak Bank
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Adding funds to your Paytm wallet with a credit card offers a seamless and secure way to boost your account balance, enabling easy transactions and online payments with just a few simple steps.

But why Paytm?

Adding money to Paytm comes with a lot of benefits. To begin with, Paytm saves you the hassle of carrying physical cash, thus keeping your money safe. It also makes your transactions easier and faster. That’s not all. Paytm offers various cashback offers and discounts when you add money to your wallet. That comes in handy to save you money.

Talking of adding money, do you know that you can also add money to your Paytm wallet using a credit card? That’s right!

In this post, we will provide you with a detailed guide on how to add money from a credit card to a Paytm wallet.

Setting Up a Paytm Account

Before you can add money from a credit card to a Paytm wallet, you must have a Paytm account. Below is a guide on how to set it up.

The process consists of three stages

Creating a Paytm Account

  • Visit Paytm's official page or open your Paytm app
  • Click on the “Sign Up” button
  • Enter your mobile number
  • Create and confirm your password and hit the “Create a new account” button
  • You should receive an OTP on your mobile number
  • Enter the OTP on the field provided
  • Enter your first name, last name, email address, and Date of Birth
  • Hit the “Create Account” button to complete the process.

Verifying the Account

  • n your Paytm app, hit the Profile option
  • Click on the “Complete your KYC” button
  • Enter your Aadhaar card number and name as indicated on your Aadhaar card
  • You will receive an OTP on your mobile number
  • Enter the OTP on the field provided and hit Submit to complete the process
  • Now you are only one step away from adding your credit card to Paytm

Read Also : क्रेडिट कार्ड पर नो कॉस्ट ईएमआई

Steps Linking the Credit Card to Paytm Account

The third and last step to setting up your Paytm account is to link or add a credit card to Paytm. To do so, follow the steps below.

  • Open your Paytm app
  • On the top left, click on your profile
  • Go to “Payment Settings,” click on “Saved Cards,” and select “Add New Card.”
  • You will see a popup informing you that Paytm will deduct credit card charges of Rs.2 from your card, but the amount will be reimbursed within two days.
  • If you wish to continue, click on the “Proceed” button
  • Enter your card information and click on the “save card.”
  • Click on the “Pay Rs.2” option to proceed.
  • You will receive an OTP on the registered mobile number.
  • Enter the OTP on the field provided.
  • Your card should now appear under “Saved Cards.”

Now, you have successfully linked your credit card with your Paytm wallet.

Adding Money to Paytm Using a Credit Card

  • Launch your Paytm app
  • Select Profile
  • Click on “Add Money.”
  • On payment method, choose credit card
  • Enter your credit card details such as card number, CVV, and expiry date
  • Tap on the “Proceed” option to complete the process

Security Measures

Adding money to Paytm using a credit card is easy and convenient. But, like all other online transactions, there is always a risk of fraudulent activities. Therefore when you add a credit card to Paytm, you must find ways to secure your credit card details. Here are a few tips you can use to achieve the same -

  • Use secure networks: Avoid using public WI-FI networks
  • Keep your device updated: Make sure you update your device regularly
  • Strong passwords: Make sure you use a strong password on your Paytm account and never share it with anyone
  • OTP: Always rely on OTP verification when adding money to your Paytm account using a credit card.


Now you know how to add a credit card to your Paytm account. The process is fast, easy, and convenient. All you have to do is to create your Paytm account, verify it and link your credit card to Paytm, and you are good to go.

You may want to know more about the charges for adding money from credit card to Paytm. Well! There may be a nominal fee ranging from 1.5% to 3%. However, the specific amount may vary depending on your credit card issuer.

Also Read: Difference Between Fake Credit Card & Valid Credit Card

Frequently Asked Questions

1. Is it safe to add my credit card details to Paytm?

Yes! All Paytm transactions are safe and secure. Also, to further enhance safety, Paytm does not save your CVV number; you will have to enter it each time you make a transaction.

2. Is there a limit on how much money I can add to my Paytm wallet using a credit card?

Yes. But it depends on your KYC status. If you meet the KYC(Know Your Customer) requirements, you can add up to Rs. 10,000 monthly. That amount can go up to Rs. 99,999 if you meet the full KYC requirements.

3. Are there any additional charges for adding money to a Paytm wallet using a credit card?

No. There is no additional credit card to the Paytm wallet apart from the processing fee.

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Disclaimer: This Article is for information purposes only. The views expressed in this Article do not necessarily constitute the views of Kotak Mahindra Bank Ltd. (“Bank”) or its employees. The Bank makes no warranty of any kind with respect to the completeness or accuracy of the material and articles contained in this Article. The information contained in this Article is sourced from empaneled external experts for the benefit of the customers and it does not constitute legal advice from the Bank. The Bank, its directors, employees and the contributors shall not be responsible or liable for any damage or loss resulting from or arising due to reliance on or use of any information contained herein. Tax laws are subject to amendment from time to time. The above information is for general understanding and reference. This is not legal advice or tax advice, and users are advised to consult their tax advisors before making any decision or taking any action.