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How to Add Money to Paytm Wallet Using a Credit Card

Since its introduction, Paytm has become India's most popular digital payment app. It allows individuals to do cashless transactions through its digital medium. The app eliminated the need of carrying a physical wallet as you can easily make transactions or purchases with your mobile phone. To use this digital payment app, you need to add money to your Paytm wallet through your debit card or net banking. You can also use the UPI method and link your bank account to perform transactions. 

Moreover, your credit card is another medium through which you can transfer money to your digital wallet. If you are wondering how to add money to Paytm from a credit card, you will find the solution in this article. 

You can add money to Paytm wallet from credit card through two mediums:

  1. Paytm App

  2. Paytm Website

Here are the steps to follow.

1. Via Paytm App

  • If you don’t have the app, you can download it from the Playstore.

  • Sign in/log in to the app with your credentials. 

  • Open the app and go to ‘Add Money’ tab and click on that.

  • Choose the ‘Credit Card’ option to add money.

  • Enter the amount and proceed.

  • You will be redirected to a new page.

  • Now, enter your card details and submit it.

  • You only need to input the CVV number if you have any stored credit cards in the app.

  • Provide the OTP you have received on your number in order to complete the process.

  • Following that, money will be added to your wallet.

2. Paytm Website

  • Visit the official page of Paytm and log into your account.

  • Go to the ‘Paytm Wallet’ tab and click on ‘Add Money.’

  • To add money, select the ‘Credit Card’ alternative.

  • Enter the amount. 

  • Following that, you will be taken to a new page.

  • Now, enter your credit card details and submit it.

  • If you have any saved credit card in the app, you simply need to enter the credit card CVV number.

  • To finish the procedure, enter the OTP you received on your phone.

  • Once it is done, money will then be added to your wallet.

How Much Money Can I Add to my Paytm Wallet

The limit of adding money in Paytm from credit card depends on your KYC status.

  • You can add up to ₹10,000/ per month to your Paytm wallet if you have finished the minimal KYC criteria.

  • You can add up to ₹99,999/ per month (maximum about that you can add to your Paytm wallet) if you have fulfilled the full KYC procedure.

Charges for Adding Money to Paytm Wallet Using Credit Card

Before proceeding further, you must be aware of the applicable charges to add money from credit card to Paytm. Here’s a closer look at different charges to comprehend better.

Parameters

Charges

Adding money through credit cards

Up to 2.5% (GST included)

Transactions involving an American Express credit card, corporate credit card, or prepaid credit card to load money into a wallet

Up to 3% (GST included)

Adding money to the wallet using credit and transferring it to a bank account for an amount higher than or equal to ₹5000 

Surcharge of up to 2%

What is Paytm Wallet

The virtual wallet of Paytm app is called Paytm Wallet. You can use netbanking, credit or debit card to add money to your Paytm Wallet. You can receive or transfer money through it as well. You can use it to pay for your utility bills or other purchases.

Ways to link your Credit Card to your Paytm account - 

  • Tap on your profile picture on the top left of the Paytm app and go to the option ‘Payment Settings’.

  • Click on ‘Saved Cards’ and go to ‘Add New Card’.

  • A reimbursable amount of Rs. 2 will be debited from your card for verification.

  • ‘Proceed’ and enter your details followed by saving it according to the RBI guidelines.

  • Pay an amount of Rs.2 to proceed and enter the OTP you receive on your registered mobile number. 

That’s it! Your credit card is now linked to your Paytm account..

About Credit Cards

Credit Cards & Related to Credit Cards

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FAQs on how to add money to paytm wallet from credit card

✔️Can I transfer money from my credit card to Paytm?

Yes, you can easily add money to Paytm from credit card using the Paytm app or by visiting its official portal.

✔️Can I transfer money from credit card to Paytm without charges?

No, you are required to pay charges for money transfer from credit card to Paytm of up to 2.5% (GST included)

✔️What is the limit of Paytm on adding money by credit card?

The maximum limit to add money to Paytm wallet from credit card is ₹99,999.

✔️How much money can I add to my Paytm wallet from credit card?

The amount you can add to your Paytm wallet depends on your KYC status.

  • You can add up to ₹10,000/ per month to your Paytm wallet if you have finished the minimal KYC criteria.

  • You can add up to ₹99,999/ per month (maximum about that you can add to your Paytm wallet) if you have fulfilled the full KYC procedure.