Paytm is a very good website application. it offers a great thing known as cashback. which can be very useful for recharging mobile, dth and datacard. I recently bought a oven from this site and I got 3000 cashback. which can be transfered into bank account or we can use them for transferring into bank account only a small amount of tax will be deducted which will not affect more. so according to me you must use it.