HDFC Bank
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Flipkart Wholesale HDFC Bank Credit Card
Flipkart Wholesale HDFC Bank Credit Card
HDFC Bank
Annual Fee
FREE
Effective Rate
1.00%
Network
RUPAY
Point Value
₹1.00/pt
About Flipkart Wholesale HDFC Bank Credit Card
Business co-branded card with Flipkart Wholesale. 5% cashback on Flipkart Wholesale (cap ₹2,000/month), 5% on telecom/utility/govt/tax (cap ₹250/month), 1% on all other spends (cap ₹25,000/month). CashBack auto-credited to statement. ₹500 welcome cashback on first 3 purchases. 1% fuel surcharge waiver.
Best For
Pros & Cons
thumb_upPros
- check_circleLifetime free — no annual fee ever
- check_circle₹500 Welcome CashBack (3 Transactions)
- check_circleSpending milestone bonuses for high spenders
thumb_downCons
- cancelForeign transaction fee applies on overseas spends
Reward Earning Structure
Each point is worth ₹1.00 — an effective return of 1.00% on spend.
| Category | Earn Rate | Per ₹10,000 Spent |
|---|---|---|
| All other spends | 5% | 500 pts≈ ₹500 |
| All other spends | 5% | 500 pts≈ ₹500 |
| All other spends | 1% | 100 pts≈ ₹100 |
Cashback is credited directly to your statement, reducing your outstanding balance. No redemption required.
Card Benefits
₹500 Welcome CashBack (3 Transactions)
₹500 CashBack per transaction on first 3 purchases within 90 days of card activation.
1% Fuel Surcharge Waiver
1% fuel surcharge waiver on minimum ₹400 transaction; max ₹250 waiver per statement cycle.
Zero Liability on Fraudulent Transactions
Zero liability on fraudulent transactions if reported immediately to HDFC Bank.
SmartBuy Business Portal
Exclusive SmartBuy Business portal for corporate cardholders.
Spending Milestones
Unlock bonus rewards when your annual spend crosses these thresholds.
Spend ₹3,00,000 (ANNUAL)
Renewal membership fee waived on ₹3,00,000 annual spend.
Fees & Charges
Key fees at a glance. For the complete schedule refer to the official Key Fact Statement (KFS) on the HDFC Bank website.
| Annual Fee | Lifetime Free |
| Forex Markup | As per issuer schedule |
| Interest Rate (APR) | Refer to KFS |
| Late Payment Charges | Refer to KFS |
| Cash Advance Fee | Refer to KFS |
Eligibility & Documents Required
Eligibility Criteria
- checkAge: 18–70 years (primary cardholder)
- checkMinimum annual income: As per bank norms
- checkCIBIL score: 750+ recommended
- checkEmployment: Salaried or self-employed Indian resident
Documents Required
- descriptionPAN Card (mandatory)
- descriptionAadhaar / Passport / Voter ID (address proof)
- descriptionSalary slips — last 3 months (salaried)
- descriptionLatest ITR or Form 16 (self-employed / salaried)
- descriptionBank statements — last 3 months
- descriptionPassport-size photograph
Frequently Asked Questions
Common questions about Flipkart Wholesale HDFC Bank Credit Card.
Ready to apply for Flipkart Wholesale HDFC Bank Credit Card?
Apply directly on the HDFC Bank website. Most decisions within 7–10 working days.
Affiliate disclosure: CreditBrain may earn a referral fee if you apply via our link. This does not affect our editorial independence.