Basic Information

Welcome Benefits All welcome benefits: Joining Fee NIL; Activation benefit of ₹500 cashback per transaction on first 3 qualifying purchases within 90 days, minimum transaction ₹2,000 each

Card Details Card Name: Flipkart Wholesale HDFC Bank Credit Card; Bank Name: HDFC Bank; Card Type: Business Credit Card / Co-Branded Credit Card; Network: Diners Club International; Network Variant: Diners Club

Card Category Card Category: Business / Cashback

Payment Network Payment Network: diners

Eligibility Employment Type: Self-Employed; Age Criteria: Minimum 21 years; Maximum 65 years; Minimum Income Required: Annual ITR above ₹6 lakh

Rewards Program

Reward Points Reward Expiry: Cashback/reward amount expires/lapses after 2 years of accumulation

Cashback Category: Flipkart Wholesale online spends; Rate: 5%; Limit: Maximum ₹2,000/month | Category: Telecom, Utility, Government & Tax payments; Rate: 5%; Limit: Maximum ₹250/month | Category: Other eligible spends; Rate: 1%; Limit: 1% cashback capped at ₹25,000/month | Cashback Categories: Flipkart Wholesale online spends; Telecom; Utility; Government; Tax payments; Other eligible spends

Redemption Reward Redemption Options: Cashback accrued during a calendar month is automatically redeemed/adjusted in the following statement

Travel Benefits

Travel Offers Travel Booking Offers: SmartBuy offers on travel may be available from time to time

Shopping Benefits

Online Shopping Flipkart Benefits: 5% cashback on eligible Flipkart Wholesale online spends, capped at ₹2,000/month; Online Shopping Benefit: 1% cashback on eligible other spends, subject to exclusions and ₹25,000/month cap

Brand Offers Merchant Discounts: PayZapp offers on selected merchants may be available from time to time

EMI Offers Merchant EMI: Big purchases can be converted into EMI after purchase; No Cost EMI: Not specified

Fuel Benefits

Fuel Savings Fuel Surcharge Waiver: 1% fuel surcharge waiver at fuel stations across India; Fuel Surcharge Waiver Condition: Minimum transaction ₹400; Fuel Surcharge Waiver Limit: Maximum ₹250 per statement cycle

Dining & Entertainment

Entertainment Entertainment Offers: PayZapp offers on selected merchants may vary from time to time

Daily Spending Benefits

Utility Bills Electricity, Gas, Water, Mobile Recharge Cashback: 5% cashback on eligible Telecom & Utility payments, maximum ₹250/month

Rent Payments Rent Payment Benefit: 1% fee on applicable rental transactions; maximum ₹3,000 per transaction

Education Education Fee Rewards: 1% fee on education transactions through third-party apps; capped at ₹3,000 per transaction

Insurance & Protection

Card Security Zero Liability Protection: Zero liability for fraudulent transactions if lost card/fraud is reported immediately to HDFC Bank's 24-hour call centre; Lost Card Protection: Zero liability on fraudulent transactions after immediate reporting

Digital Features

Payments Contactless Payment (Tap & Pay): Contactless payment supported; up to ₹5,000 without PIN in India, subject to applicable rules

Banking Features Instant Card Control: Domestic, International, Online and Contactless usage can be enabled/disabled through HDFC Bank card controls

Add-on Features

EMI Features EMI Conversion: Smart EMI — eligible large purchases can be converted into EMI after purchase

Bill Payments Auto Debit Facility: SmartPay for automatic utility bill payments

Fees & Charges

Joining Charges Joining Fee: NIL

Annual Charges Annual Fee: ₹499 + applicable taxes; Annual Fee Waiver: Renewal fee waived if annual spend in previous year is ₹3,00,000 or more

Cash Advance Charges Cash Withdrawal Fee: Not specified on current product page

Forex Charges Forex Markup Fee: 3.5% on international / cross-currency transactions

Other Charges Card Replacement Fee: ₹100 for lost/damaged card reissue

Customer Support

Service 24×7 Customer Support: 24-hour call centre support for reporting lost card/fraud

Performance & Ratings

Best Usage Best For: Business purchases, Flipkart Wholesale shopping, utility/telecom payments and general business spending

Advantages Pros: 5% Flipkart Wholesale cashback; 5% utility/telecom/Govt/tax cashback; 1% other eligible spends; ₹3 lakh annual-spend fee waiver; fuel surcharge waiver; up to 50 days interest-free credit; Smart EMI; zero liability protection

Limitations Cons: Flipkart Wholesale cashback capped at ₹2,000/month; utility/telecom/Govt/tax cashback capped at ₹250/month; other-spend cashback capped at ₹25,000/month; 3.5% forex markup; cashback exclusions apply