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Since its inception in 2010, Paytm has become India's one of the most popular digital payment apps. It allows you to conduct cashless transactions easily through its digital medium. 


The app eliminates the need to carry a physical wallet, as you can make transactions or purchases with just your mobile phone. To use the app, you need to add money from a credit card to your Paytm wallet. You can also use a debit card for the same.   


Other options that you can try include net banking or UPI and linking your bank account. If you want to use a credit card and are wondering how to add money from a credit card to Paytm, here is what you need to know. 

What is Paytm Wallet?

The digital payments giant, Paytm offers many functionalities on its app. Among them is its proprietary virtual wallet called the Paytm wallet. You can use this wallet to store money and to make payments at several online or QR code-based offline outlets. 


The wallet allows you to send or receive money and make utility bill payments. This makes the Paytm wallet a handy payment method instead of using cash.

How to Link Your Credit Card to a Paytm Account?

  • Tap on your profile picture on the top left of the Paytm app 

  • Go to ‘UPI and Payment Settings’

  • Click on ‘Saved Cards’ and click on ‘Add New Card’

  • Accept a reimbursable debit of ₹2 for verification

  • Enter your details, click on save details, and then ‘Pay ₹2’

  • Enter the OTP you receive on your registered mobile number

How to Add Money to Paytm Wallet Using a Credit Card

Whether you have a prepaid credit card, or even an American Express Credit Card, you can add money from any credit card to Paytm through two mediums: 

  • Paytm app

  • Paytm website


Here is the process you can follow:

1. Paytm app

  • Install the Paytm app on your device

  • Sign in or log in with your credentials

  • Go to the ‘Paytm Wallet’ option and select ‘Add Money’

  • Enter the amount you want to transfer

  • Choose the ‘Credit Card’ to proceed with the transaction

  • Enter the required details and submit 

  • Input the CVV number if you have any stored credit cards in the app

  • Provide the OTP received on the registered mobile number to complete the process

2. Paytm Website

  • Visit the official website and click on ‘Sign In’

  • Go to your profile and select ‘Your Wallet’

  • Select the ‘Add Money’ option

  • Choose ‘Credit Card’ from the list of options

  • Enter the amount and card details, if required

  • Enter the credit card CVV number in case of saved credit cards 

  • Input the OTP you receive on your phone to complete the process

It is that easy! With this simple process, you can add money to this digital wallet. Remember to add your credit card details to Paytm before transferring money. Keep in mind that there may be certain limitations for corporate credit cards.

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How Much Money Can I Add to my Paytm Wallet?

Your limit to add money depends on your KYC status. When you meet the minimal KYC parameters, you are eligible to add up to ₹10,000 every month to your Paytm wallet. However, if you complete all the criteria set by the RBI, you can transfer up to ₹99,999. 


The minimal KYC criteria include providing details like your name and a unique ID number using ID proof such as your passport. You can complete this process in minutes. 

Full KYC requires you to share essential information, along with a home visit by a Paytm representative for further verification. This process is complete in a few days.

Charges for Adding Money to Paytm Wallet Using Credit Card

Knowing the applicable charges to add money to the Paytm wallet from a credit card is essential. Here is a closer look at different charges that may apply.



Adding money through credit cards

Up to 2.5%, excluding GST

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

  • Up to 3%, excluding GST

  • A surcharge of up to 2% will be levied if the amount exceeds ₹5,000

Adding money to the wallet using net banking (other than Paytm Payments Bank)

Up to 1.5%, excluding GST

Transferring money with UPI


Disclaimer: The above charges are subject to change at the company’s discretion.

Now that you know how to add money to Paytm from a credit card, check out more details regarding credit solutions and other financial products on Bajaj Markets. Additionally, the platform allows individuals to apply for an Insta EMI card to enjoy no-cost EMI shopping.

FAQs on How to Add Money to Paytm Wallet from Credit Card

Yes, you can easily add money to your Paytm wallet from a credit card using the Paytm app or website.

No, you have to pay charges for money transfers from a credit card to Paytm of up to 3%. However, this varies according to the issuing bank.

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

The amount you can add to your Paytm wallet depends on your KYC status. If you meet minimal KYC criteria, you can only transfer up to ₹10,000. However, you are eligible to add up to ₹99,999 when you complete the full KYC process.

This may be because your credit card may not have been issued in India or is disabled for online transactions. In cases like insufficient credit limit or banks placing a specific transaction limit on your card, you may be unable to add money. Contact your issuing bank to resolve such concerns.

If you have sent money to someone without a Paytm account, they will receive a text message with a link to create their account on Paytm. If they fail to create their account on Paytm within 3 days, the money deducted from your account will be refunded.

You can transfer a maximum of ₹1 Lakh daily to any bank account using the Paytm UPI.

You may receive an SMS with your transaction details. Alternatively, you can check for information in the ‘Passbook’ section of your Paytm wallet.

All you need to do is select the ‘Request Wallet Statement’ option on the app’s ‘Manage the Wallet’ section. This way, you can view your Paytm wallet statement for the past one year (365 days).

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