Paytm has become one of the most popular and widely used digital wallets in India, and with the help of Paytm wallet, we can instantly pay bills, recharge phones, book tickets, shop online, and much more without the need for ATM cards or cash.

The wallet can be topped up easily through multiple options like net banking, linked bank accounts, payments bank accounts, and credit cards. This makes Paytm an extremely convenient choice for digital payments, even for those who don’t have debit or credit cards.

So, let’s talk about how you can use Paytm without ATM cards and also what are the benefits of using Paytm without debit or credit cards.

How to Add Money to Paytm Without a Debit/ATM Card?

How To Use Paytm Without An ATM Card

Using Paytm without an ATM card is fairly simple, and this is possible because of the Paytm wallet and also Paytm Payments Bank. We can add money to the Paytm wallet using a few simple steps without needing a debit card. Let’s look at these step-by-step!

Also Read: How To Check Balance In Paytm? Easy & Quick Steps!

Step 1: Add Money Through Net Banking

  • Open the Paytm app on your phone and go to the ‘Paytm Wallet’ section.
Paytm Wallet Option
  • Tap on ‘Add Money’ and select the ‘Net Banking’ option.
  • Choose your bank from the list of supported banks.
Paytm Wallet Netbanking
  • Enter your Internet banking credentials, i.e. customer ID and password, to log in.
  • Once logged in, you can add the desired amount of money to your Paytm wallet directly from your bank account.
  • The added money gets reflected instantly in your Paytm wallet.

Step 2: Add Money Through Linked Bank Account

  • Go to ‘My Paytm’ in the app and select ‘Paytm Wallet.’
Paytm Wallet Option
  • Enter the amount you wish to add to your wallet.
  • Click on the ‘Add Amount’ option in the drop-down menu.
Paytm Wallet Money Add
  • Select one of your linked bank accounts.
  • Input the ATM PIN or Internet banking password for that account.
  • Confirm the process to add money to the Paytm wallet instantly.
  • This provides an easy way to transfer from a bank account to a Paytm wallet.

Step 3: Add Money Through Paytm Payments Bank

  • Open the Paytm app and go to the ‘Paytm Wallet’ section.
  • Enter the amount you want to add to your wallet balance.
  • Tap on the ‘Add Amount’ option.
  • Select Paytm Payments Bank from the list.
Paytm Payment Bank
  • Put in your Paytm Payments Bank passcode.
  • Confirm to credit the money into your Paytm wallet account.
  • The wallet gets recharged quickly via Paytm Payments Bank.
How To Use Paytm Without An ATM Card Steps

Step 4: Add Money Through a Credit Card

  • Login to the Paytm app and go to ‘Paytm Wallet’.
  • Enter the amount to add and tap the ‘Add’ button.
  • Choose the ‘Debit/Credit Cards’ payment method.
  • Fill credit card number, expiry, CVV, and cardholder name.
  • Click ‘Pay’ to complete the process and add funds.
  • This instant top-up uses credit cards via secure gateways.
Add Money Through a Credit Card Paytm

Also Read: How To Use Paytm Without A Bank Account? Quick & Easy Steps

Using the above Steps you can easily add money to your Paytm Wallet and use the money wherever you want and however you wish. It’s up to you to decide how you want to add money into your wallet, whether it’s through a bank account or payments bank.

Benefits of Using Paytm Wallet

Paytm wallet has made transactions a lot easier for users as it offers many advantages that make it a preferred choice among users. Let’s talk about some of its benefits:

  1. User-friendly interface – Easy to understand and use even for first-time users.
  2. Automatic add money – Facility to set up auto top-ups from bank accounts. Can add Rs. 500-5000 using this.
  3. Versatile usage – Use for bill payments, recharges, movie tickets, online shopping, POS payments, P2P transfers, etc.
  4. No minimum balance – No restrictions on maintaining a minimum wallet balance.
  5. Zero fees – Paytm does not charge any fee for using its wallet facility.
  6. Customizable limit – Wallet usage limit can be increased as per requirements. The maximum is Rs. 1 lakh.


In summary, Paytm Wallet enables quick digital payments without needing a debit or credit card. It can be topped up easily via multiple options. Paytm is accepted widely across India for in-store payments, bill payments, recharges, and more. With its versatile usage and convenience, Paytm has become an essential payment app for everyone.

Similar Posts

Leave a Reply

Your email address will not be published. Required fields are marked *