Paytm Postpaid (2022) Review

Paytm has introduced a new version of its feature payment option- Paytm Postpaid in partnership with two NBFC. Paytm is India’s leading mobil

e platform. Paytm Postpaid is the feature by which we can buy something now and pay it later. Due to some problem, Paytm had closed its postpaid services, which were launched in 2019 with a partnership with ICICI Bank. We will review its features and Charges below.

Paytm has introduced three variants of its postpaid service – Lite, Delite, and Elite, which will be offered to users based on its partner-NBFC’s assessment.

Table of Contents

  1. Edition
  2. Features
  3. How to use
  4. How to apply
  5. Eligibility criteria
  6. My Experience
  7. How to cancel
Paytm Postpaid


Here are Edition of Postpaid Services.

(1).Postpaid Lite

Postpaid Lite Comes with limits of Up to Rs.20 000/- and convenience charges with 0 to 4%. Postpaid Lite may be given to customers with little or NO credit score. Even if you have no credit score, you can apply Paytm Postpaid Lite. Generally, CIBIL Score from 0-700 is eligible for Paytm Postpaid Lite.

(2).Postpaid Delite and Elite

Postpaid Delite and Elite comes with credit limit from Rs. 20000/- to 1, 00,000/- in monthly spends with no convenience charges.

‘Normally CIBIL Score from 700 to 900 are eligible for Paytm Postpaid Delite and Elite.


Paytm is offering the postpaid service in partnership with two NBFCs. The increase in the credit limit will allow customers to make payments for high-value items like furniture and consumer electronics.

Edition Postpaid Lite Postpaid Delite and Elite
Credit Limit Rs. 20000/- Rs. 2000 to 1,00,000/-
CIBIL Score 0-700 700-900
Convenience Charges 0-4% 0%
Payment Due Date 7th of every month 7th of every month
Paytm Postpaid Features

Pro Tip: You can also access passbooks to analyze monthly spends to plan everyday expenses.

Benefits of Paytm Postpaid Over Credit Cards

  • No Document is required
  • 0% Interest Rate.
  • You will get better Rewards.
  • Exclusive offers for Paytm Postpaid users on movies, bill payments.

How to use?

Paytm Postpaid can be available to buy groceries, milk, and other home essentials from neighborhood Kirana stores and at popular retail destinations such as Reliance Fresh, Haldiram, Apollo Pharmacy Croma, Shoppers Stop, among others.

Additionally, it can be used for various bill payments facilities available on Paytm, shopping on Paytm Mall, and online payments at internet apps such as Domino’s, Tata Sky, Pepperfry, HungerBox, Patanjali, Spencer.

Where to use Paytm Postpaid Limit
Where to use Paytm Postpaid Limit

How to apply

This service is offered in partnership with two NBFCs with an instant credit line for various payments to Paytm app users. Here are details on how to apply Paytm Postpaid with a limit of Rs. 1, 00,000/-.

  1. Login to Paytm Account
  2. Go to the Postpaid icon in the Financial Services section.
  3. Apply for Postpaid services and give all KYC details, and Paytm will tell you the Credit limit after completing their online KYC with our partner NBFC.
  4. Please Refer to T & C of Paytm.-

Paytm Postpaid Eligibility criteria

The eligibility is decided by NBFC and Paytm based on your transaction history with Paytm. Paytm will check the transaction history, types of payment. When you apply for the Credit limit through the app, Paytm will check the CIBIL score. Credit limit and approval will be granted based on the above factor. Note that your age should be at least 18 years or more for geeting Paytm Postpaid.

How to make a payment

Every month, Postpaid bill will be generated on the 1st date of every months . You need to pay the bill through UPI, Debit Card, or through, on every 7th date of the month, which is the Payment date of Paytm postpaid. Paytm postpaid limit increases if you pay Bill in time regularly.

Paytm Postpaid Payment Options
Paytm Postpaid Payment Options

Paytm Postpaid EMI

You can also convert PAYTM POST purchases/outstanding into easy EMI, so that you can purchases the essentials without any budget constraints and pay back the amount in easy installments. Paytm postpaid EMI charges is up to 2%+ GST. So if you do shopping worth Rs.5000, then you have to pay addition Rs.118 as interest and GST Charges.

You can get more details at Paytm postpaid terms and conditions.

My Experience

I had applied credit limit through Paytm App and was granted a credit limit of Rs.56,250/- That’s means I can use these limits in any expenses like Bill pay, etc… Before you proceed with your limit approval, you need to give Credit confirmation to NFBC ( In my case Clix Finance India Private Limited).

The validity of Postpaid is only 24 months from the date of approval for Postpaid. Postpaid validity will be renewed. Payment through Postpaid is very smooth and hassle-free. The payment process is straightforward.

There is also late fee if you not due within limit ( Due date is 7th of every month). Here is the details of Late Fees.

Outstanding Amount of Unpaid is Late Fees( Per Month)
Less than Rs.100 Rs.0.00
Between Rs.101 and Rs.250 Rs.10
Between Rs.251 and Rs.500 Rs.25
Between Rs.501 and Rs.1000 Rs.50
Between Rs.1001 and Rs.2000 Rs.100
Between Rs.2001 and Rs.5000 Rs.250
Between Rs.5001 Rs.500
The Late Fees are inclusive of applicable taxes.
Charges Table

How to cancel?

If you want to cancel your post-paid facility, you will need to give prior notice on the 24X7 help section of the Paytm Platform. You will need to repay all of the outstanding amount and any other amount due hereunder. There may be a Prepayment charge if you decide to pay early.

Can we pay credit card bill by Paytm Postpaid?

No, you can not pay Credit card Bill, through Postpaid services. This services can be used at Nearest Kirana stores, nearest mall such as Reliance Fresh, Haldiram, Apollo, Pharmacy, Croma, Shoppers Stop, and other stores where Paytm is accepted. We can use this service to buy groceries, milk, and other home essentials from local shops.

There are no option to pay Credit card through Pattm Wallet and Postpaid. If you have credit card outstanding and you are unbale to pay credit card bill on due date, then you can pay Credit card bill through another credit card balance that is known as Balance Transfer. Credit card balance transfer will vary from credit card provider.

How to increase Credit limit

If you’re looking for ways to increase your Paytm Postpaid limit, then you’re in luck! By regularly paying all outstanding balances on due date, you can increase your limit. This is because Paytm Postpaid limit is based on your paytm use history and CIBIL Score. So keep using Paytm Postpaid services and enjoy the benefits!


Paytm Postpaid Review
Paytm Launch New Version Paytm Postpaid 2020

Paytm Postpaid is certainly a good option for Low credit score person or who has no credit card. Paytm Rewards voucher is not good to avail. So if you have no Credit card, then you use Paytm Postpaid issued by Paytm; otherwise, it's wise to use a credit card for all expenses for the sake of rewards points on the credit card.

Editor's Rating:

38 thoughts on “Paytm Postpaid (2022) Review”

  1. Hey Dhiraj,

    I applied for Paytm Postpaid and received a Credit Limit from Paytm, But Credit Limit is very Low. How to Increase Paytm Paodpaid Credit Limit.

    • I was using paytm.postpaid but i received amessage to upgrade the paytm.poatpaid after that u upgrade and postpaid kyc is not uploading so i am not able to usr thia facility and not able to contact cuatomer care service.

  2. What is the charges like late payment,
    Any charges also apply when I pay in due date.
    What is yearly charges of this service.
    The services use in app or you provide any types of card.

    • Thanks for asking a question. There are no charges for late payment; however, you have to incur interest fees for the late payment. There are no charges when you pay—all bill amount within the due date. There are no joining and annual fees as well. I only do a genuine review of financial products, do not provide any products.

      • my limit is 16000 and i use 15377 and paid the same before month end, while there is 362.9 charges applied to me

        may i come to know when there is no charge and i paid the used limit before bill generation

        then whu i was charged

  3. Hello Dhiraj Jha
    will you please Help me
    Just tell me how cn i my spent limit to partial payment ?
    Beceauce on paytm postpaid they are not showing any option to convert payment in to EMI

    so will you tell me please ?

  4. Suppose, Paytm postpaid service is activated in my account and I have not used it in this month. So, will I have to pay any charges ?

      • Sir, I’m using the paytm postpaid for a long time. The EMI option to pay the bill is not showing anywhere, even waited for the said first 7 days, it is not showing. I’m using postpaid lite

  5. Sir.. I applied for Paytm postipaid I got limit 3000 rs They have mentioned 3% conveyance fee.. what is the conveyance fee means?

    • This is simple tricks, increase you paytm use. If you use Paytm Postpaid services regularly and pay all outstanding balance on due date, your Limit will increase, As we already know, Paytm Postpaid limit is decided on the basis of paytm use History and CIBIL Score.

  6. I was using Paytm postpaid, I got a message to upgrade Paytm postpaid once I cleared the previous dues and try to upgrade , it gave message sorry we can’t process your application. What could be specific reason for blocking it.

  7. Only one question i have will it build my cibil score as i dont have any cibil score? As an intern my income is consistent so never applied for credit card in fear of rejection so applied paytm postpaid in the hope that it will help to build some credit score which might help me in future or else there is no use of paying extra convenience fee…

  8. It’s hard to know what to do when you’re in a hurry and your Fastag balance is running low especially when traveling national highways quite often. You have to pay the toll to move further in your journey. In case your Fastag balance is ending and you are not aware, it will put a stop to your vehicle movement on the toll plaza in case you don’t have the cash in hand. That’s why it is necessary to keep an eye on your Fastag balance.

    With IDFC First bank app, you can easily perform a Fastag balance check, top up your account, or add more time to your Fastag card. It saves you from the hassle of delays in commuting in case you forget about taking cash with you. But now, you need to make an automatic payment to the fastag balance with IDFC.

    Checking your Fastag balance at IDFC FIRST Bank is quick and easy! To start benefitting from these features and more, open an IDFC FIRST Bank account today! And make payment to toll plazas easily. Make sure to try out and understand the functions of the app first before setting up for the fastag balance check. It’s easy, fast, and convenient.

  9. My Paytm post paid lite I got around 7k as my limit they told 18% get and convience fees ,how much convience fees they will charge.


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