Wondering how to use Paytm Postpaid? Here we will be talking about that and how you can use it for almost anything. Paytm Postpaid is a convenient ‘Buy Now, Pay Later’ credit facility offered by Paytm! It allows you to make purchases and payments instantly, with flexible repayment options.

This detailed guide will walk you through everything you need to know about applying for and using Paytm Postpaid for your daily expenses. Whether you’re planning to buy an outfit or book movie tickets, Paytm Postpaid has got your back!

Say goodbye to those days when you wait for payday. With Paytm Postpaid, you can instantly buy what you want without having any financial burden. Buy Now, Pay Later is the new normal!

What is Paytm Postpaid?

How To Use Paytm Postpaid

Paytm Postpaid is a digital credit account provided by Paytm in partnership with lending companies like Aditya Birla Finance Limited and Fullerton India Credit Company Limited. It offers an instant credit limit that can be used to buy goods and services online and offline.

Also Read: How To Stop Automatic Payment In Paytm? Quick Cancellation Methods

The credit limit is determined based on your transaction history, credit score, and other eligibility factors. Paytm Postpaid functions like a small personal loan or line of credit that allows you to make payments instantly and repay the borrowed amount later at your convenience.

Some key benefits of Paytm Postpaid are as follows:

  • Get an instant credit limit of up to Rs 60,000.
  • Interest-free period of up to 30 days!
  • Use credit for online shopping, bill payments recharges, etc.
  • Repay easily by the 7th of every month.
  • No physical documentation or collateral is needed.

Overall, Paytm Postpaid provides flexible short-term credit for your instant purchases and payments.

How to Use Paytm Postpaid in Easy Steps

Paytm Postpaid Benefits

We have mentioned some ways you can use Paytm Postpaid for instant, hassle-free purchases and payments. Check it out below!

Step 1: Use Paytm Postpaid For Mobile Recharge

  • Go to ‘Mobile Recharge’ on the Paytm app.
  • Enter your mobile number and operator.
  • Browse plans and select your preferred recharge amount.
  • Click on ‘Proceed to Pay’ and select Paytm Postpaid.

Step 2: Use Paytm Postpaid For Movie and Event Tickets

  • Go to ‘Movie Tickets’ and select your movie & theatre.
  • Choose the date, time, and seats based on availability.
  • For events and concerts, pick the venue, date, and seats.
  • Click ‘Proceed to Pay’ and choose Paytm Postpaid.

Step 3: Use Paytm Postpaid For Insurance Premium Payments

  • Go to ‘Insurance’ and select two-wheeler, health, or term insurance.
  • Fill in renewal premium details or begin a new policy.
  • Provide nominee details and proceed to payment.
  • Pick Paytm Postpaid as your payment method.

Step 4: Use Paytm Postpaid For Electricity and Other Bills

  • Go to ‘Electricity Bill’ or other utility bills sections.
  • Enter details like account number, bill amount, and due date.
  • Verify details and click ‘Proceed to Pay’.
  • Select Paytm Postpaid to complete payment.

Step 5: Use Paytm Postpaid For Online Shopping

  • Shop on e-commerce sites like Amazon, Flipkart, Myntra, etc.
  • Add products to the cart and proceed to checkout.
  • Select Paytm as the payment option and choose Paytm Postpaid.
  • Use available coupons and cashback to save extra!

How to activate Paytm Postpaid?

If you’ve decided to use Paytm Postpaid then get ready to experience a whole new cashless world. Follow these simple step-by-step instructions to apply for and activate Paytm Postpaid on your account.

  • Click On The Postpaid Icon On The Paytm Homepage

Open the Paytm app on your phone and click on the prominent Postpaid icon visible on the homepage. This will take you to the Postpaid page.

Paytm Postpaid
  • Enter Details – PAN, DOB, & Email Address

On the Postpaid page, you must submit your PAN number, date of birth, and email address. Read the terms and conditions and give your consent to fetch your credit report for assessment.

  • Offer Generated With A Credit Limit

Based on your details, Paytm will quickly generate a personalized postpaid offer with a specific credit limit. This is done through real-time underwriting.

  • Click A Picture For KYC Verification

To complete KYC verification, you need to take a clear selfie showing your face. This helps verify your identity.

  • Aadhaar Verification With OTP

Next, you have to enter your Aadhaar number and complete biometric verification via the OTP sent to your registered mobile number.

  • Confirm Details And Activate

Carefully review all your personal details and credit limit terms once. If everything looks correct, accept the terms and conditions and confirm to activate Paytm Postpaid.

That’s it! Once activated, you can start using Paytm Postpaid for your purchases and payments.

Also Read: Why Is Paytm Wallet Not Working? Easy & Quick Methods To Fix

Paytm Postpaid Dues Guide

Paytm Postpaid Repayment Dues

Worried about the repayment of dues of Paytm Postpaid? Here are some important points to remember about repaying your Paytm Postpaid dues!

  1. You will get a consolidated bill on the 1st of every month.
  2. The due date for repaying bills is the 7th of the month.
  3. Repay anytime before the due date through UPI, debit/credit cards, and net banking.
  4. A late repayment fee is applicable if you miss the 7th due date.
  5. You can prepay or make advance repayments at your convenience.
  6. Track repayments in the Paytm Postpaid dashboard.

So make sure you repay your outstanding dues on time, preferably before the 7th of each month, to avoid any late payment penalties or charges.

Few Tips for Using Paytm Postpaid

Follow these tips and best practices while using Paytm Postpaid, and you can get the best advantage!

  • Track your total credit limit and repayment due dates closely.
  • Read all terms & conditions carefully to avoid hidden charges.
  • Double-check transaction details before approving payments.
  • Use promo codes and cashback to save on purchases.
  • Set payment reminders to repay dues on time.
  • Pay additional amounts to prepay and reduce later interest.
  • Apply for an increased credit limit based on repayment history.
  • Contact customer care for any queries or disputes.


Paytm Postpaid makes online purchases and payments super seamless by allowing you to buy now and pay later in a flexible manner. Follow this detailed guide mentioned above to apply for and start using Paytm Postpaid for your daily shopping, bill payments, and other expenses.

Monitor your dues diligently and make repayments on time to avoid any penalties. Use Paytm Postpaid wisely as your go-to personal credit facility for instant, digital payments. We hope you liked this guide. Any doubts? Feel free to drop them in the comments section!

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