Paytm has introduced a new feature that allows users to earn gold coins on every transaction made through its platform, the company announced on September 25, 2025. The coins can be converted into digital gold, offering users a way to gradually build long-term assets.
The scheme applies to transactions such as Scan & Pay, online purchases, money transfers, recharges, bill payments, and recurring payments. Payments made via UPI, debit cards, credit cards, and net banking are eligible. Users who pay through credit cards or RuPay credit cards on UPI will earn double the gold coins.
Under the program, users earn gold coins equivalent to 1% of the transaction value. For example, spending ₹10,000 earns 100 gold coins, while 1,500 coins can be redeemed after spending ₹1.5 lakh. This effectively provides a cashback of 0.01%, or ₹15 worth of gold on ₹1.5 lakh in spending.
Paytm said the initiative comes ahead of the festive season, when gold demand traditionally rises in India. The feature also allows users to channel GST-driven savings into long-term assets.
Recently, Paytm introduced additional app features including reminders for recurring expenses, monthly spend summaries, personalised UPI IDs, downloadable UPI statements, and consolidated views of UPI-linked bank accounts.
The company noted that the launch aligns with broader government initiatives like Atmanirbhar Bharat and GST reforms, which aim to simplify compliance and support savings for households and businesses.
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