First make Zomato acount and add your Paytm wallet.  Then go to Paytm and save your credit card now go to Zomato app  click on profile icon and press payment options now yoh can see you Paytm wallet. And click add recharge wallet now you choose how money you want to add in your Paytm wallet pess process add select you save credit card on payment now you can add money in your Paytm wallet with 0% fee. After add money in wallet you can easily transfer money to bank