Experience - Paytm-ICICI Bank Postpaid account :-}
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I would like to share 2 months of paytm postpaid experience.
It’s quite convenient, if u can’t get a credit card even if with a FD. 
.
Those who are credit card experts, pls correct the error’s below. It’s almost a noob exp for me
Got an approved limit of 7000 Rs.
Previous month (Feb) used for Rs 5400+
WE CAN’T CLUB PAYTM POSTPAID BALANCE + (WALLET BALANCE/Card/UPI @ payment page._ Total amount should be settled by PAYTM POSTPAID_
Can be used for Mobile & DTH Recharges, Travel Booking, Movie Tickets, Paytm mall Online Shopping
- Statement gets generated 1st day of every month.
- Have to pay back on or before 15 th of every month But we can repay amytime
- Had to accept auto debit ( from icici account ) mandate at the time of sign up
- If we are keeping enough balance in icici account, the due amount will be auto debited from SBa on 15th of every month
- We can pay back via paytm wallet, debit card, upi, paytm payment bank account.( NO CREDIT CARD OPTION. Of course). But pls note – repayment option is available only on paytm app.
- We can repay amounts partially, like for the 5k due amount , we can pay 2k once, then 3k after some days. Such option available only after statement gets generated
#No interest / fees if we paid the dues on time.
Free credit for upto 45 days
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Can’t repay by CC = Reward Points ka nuksaan
@alteltmef Can use the balance on merchants like ShopClues?
There is a way to pay paytm postpaid balance through credit card.
1. Load paytm wallet through credit card.
2. Pay paytm postpaid bill from paytm wallet.
This way we can get some more time for the repayment. Initial 30 days for paytm postpaid bill generation(assuming shopping/bill payment done on 1st of month) + 15 days to pay paytm postpaid bill + another 30 days (maximum) for credit card bill generation + 15-18 days for credit card bill payment.
Can we load money to wallet using paytm postpaid. Or there any site or for use postpaid balance? @altecher
Postpaid balance to PAYTM WALLET – NO
IN A TWEET PAYTM REPLIED “THERE ARE SOME EXCLUSIVE PARTNER WEBSITES TO USE PAYTM POSTPAID”
BUT NO INFORMATION ABOUT WHICH SITES
@Tejaa I don’t use shop clues. So not sure .
@manikantaks4u credit card to wallet then pay paytm postpaid works 👍 . I missed that point
Cc _ @igen
*Now can club with Paytm wallet balance when making payments
Appreciate your review.. Is it mandatory to have ICICI bank account to get access to paytm postpiad. I dont have ICICI A/c.
Yeah. I think so. Paytm may launch this with other banks soon.
But even if you have icici account , paytm have some credit rating to process and issue POSTPAID account
Please dont use Paytm Postpaid its applicable only to Fraud guys to access your account and pay their bills not for you . And even paytm is not liable for the postpaid transactions and will ask them to pay for their fraudulent transactions . Request you all to close atlease Paytm Postpaid account as this completely secure less and suggestion is keep your paytm wallet always empty add whenever you need to pay
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only good for those who do not have any credit card. normally most ICICI account holders are offered CC free with limit of at least 30000.