{
  "id": "sbi-paytm",
  "locale": "hinglish",
  "name": "Paytm SBI Credit Card",
  "bank": "SBI Card",
  "cardType": "cashback",
  "cardTier": "entry",
  "annualFee": "₹499 + GST",
  "loungeAccess": "No lounge access",
  "rewardsRate": "Paytm movies aur travel par 3% · Paytm app par 2% · general retail par 1% · ₹750 welcome gift",
  "bestFor": "Paytm ecosystem users, movie tickets, bus/train bookings, utility bill recharges & entry-level shopping",
  "officialLink": "https://www.sbicard.com/en/personal/credit-cards/paytm-sbi-card.html",
  "aiVerdict": {
    "score": 3.5,
    "summary": "Its modest reward rate and low annual fee offset the lack of lounge access.",
    "tradeOffs": [
      "Modest reward rate relative to the market's best cashback cards",
      "No extracted lounge benefit",
      "Data quality is PARTIAL, not fully live-verified"
    ],
    "confidence": 1
  },
  "rewardRatePercent": 1,
  "affiliateId": "sbi-paytm",
  "dataQuality": "PARTIAL",
  "legacyDataQuality": "PARTIAL",
  "evidence": {
    "version": 4,
    "asOf": "2026-10-16",
    "dataQuality": "PARTIAL",
    "verifiedAt": null,
    "unresolvedItems": [
      "fees.joining",
      "fees.annual",
      "fees.taxes",
      "fees.waiver",
      "fees.waiverEligibleSpend",
      "fees.waiverExclusions",
      "rewards.base",
      "rewards.accelerated",
      "rewards.channels",
      "rewards.caps",
      "rewards.capPeriods",
      "rewards.sharedLimits",
      "rewards.exclusions",
      "lounge.domestic",
      "lounge.international",
      "lounge.qualifyingSpend",
      "lounge.qualifyingPeriod",
      "lounge.guests",
      "lounge.issuerNetwork",
      "redemption.value",
      "redemption.minimum",
      "redemption.charges",
      "redemption.expiry",
      "redemption.transfers",
      "redemption.restrictions",
      "eligibility",
      "availability",
      "effectiveDates"
    ],
    "calculation": {
      "status": "unavailable",
      "reason": "Claim-level evidence review incomplete"
    }
  },
  "sources": [
    "SBI Card & Paytm — Credit Card schedule of charges",
    "Paytm Payments Bank & SBI Card — 3% cashback and Paytm First membership terms"
  ],
  "feeWaiver": "₹1,00,000 annual spend complete karne par fee waive",
  "networks": [
    "Visa",
    "RuPay"
  ],
  "quickFacts": [
    {
      "key": "Paytm Movies & Travel",
      "value": "3% Flat Cashback"
    },
    {
      "key": "Paytm App Spends",
      "value": "2% Flat Cashback"
    },
    {
      "key": "All Other Spends",
      "value": "1% Flat Cashback"
    },
    {
      "key": "Welcome Gift",
      "value": "₹750 Cashback + Paytm First"
    },
    {
      "key": "Annual Fee",
      "value": "₹499 + GST"
    },
    {
      "key": "Fee Waiver",
      "value": "₹1,00,000 / year"
    }
  ],
  "earnRates": [
    {
      "category": "Paytm Movies, Mini Apps & Travel",
      "rate": "3.0% Flat Cashback",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "₹3,000 Cashback"
    },
    {
      "category": "Other Paytm App Payments",
      "rate": "2.0% Flat Cashback",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "₹2,000 Cashback"
    },
    {
      "category": "All Other Domestic Retail Spends",
      "rate": "1.0% Flat Cashback",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "₹1,000 Cashback"
    },
    {
      "category": "Fuel & Rent",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "₹0"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "Paytm Movies & Travel",
      "multiplier": "3×",
      "rate": "3.0%",
      "monthlyCap": "Uncapped",
      "dailyCap": "—",
      "note": "3% on movie & bus bookings."
    },
    {
      "channel": "Paytm App Ecosystem",
      "multiplier": "2×",
      "rate": "2.0%",
      "monthlyCap": "Uncapped",
      "dailyCap": "—",
      "note": "2% on bills & recharges."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "Paytm Wallet / Gift Voucher Balance",
      "value": "₹1.00 per ₹1.00 cashback",
      "minPoints": "₹0 (Auto-credited)",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    },
    {
      "route": "Paytm Merchant QR Code Payments",
      "value": "₹1.00 per ₹1.00 cashback",
      "minPoints": "₹0",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    }
  ],
  "exclusions": [
    "Rent payments.",
    "Fuel purchases (1% surcharge waiver on ₹500–₹3,000).",
    "Wallet loads."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹499 + GST (₹750 Cashback + Paytm First welcome gift)"
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹499 + GST (Waived at ₹1,00,000 spend)"
    },
    {
      "item": "Forex Markup",
      "value": "3.5% + GST"
    },
    {
      "item": "Finance Charges",
      "value": "3.5% / month (42.0% / year)",
      "warn": true
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Age",
      "requirement": "21–60 years"
    },
    {
      "criteria": "Salaried Income",
      "requirement": "₹20,000+ monthly net salary"
    },
    {
      "criteria": "Self-Employed Income",
      "requirement": "ITR above ₹2.5 Lakhs per annum"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}