Annual Fee
₹499
Rewards/₹100 ⓘ
₹1.00 - ₹5.00
Interest Rate
45.00%
Credit Score
700+
Key Benefits
5% Flipkart Wholesale cashback, 1% on all spends, fuel waiver
Lounge Access
No lounge access available
Eligibility
Self-employed, age 21-65, ITR > Rs 6L/year
The Flipkart Wholesale HDFC Bank Credit Card is a solid choice for Flipkart Wholesale members who make regular bulk purchases for their business. The 5% cashback on Flipkart Wholesale spends can save up to Rs 24,000 annually, and the nil joining fee makes it risk-free to try. However, the low caps on utility and telecom cashback, absence of travel or lifestyle benefits, and restriction to self-employed individuals limit its appeal to a niche audience.
Best For
Self-employed resellers and wholesalers who regularly shop on Flipkart Wholesale and want to maximize cashback on business purchases and utility payments.
Not Ideal For
Salaried individuals, frequent travellers, or those seeking lounge access, insurance benefits, or rewards on dining and entertainment.
All Spends
Flipkart Wholesale
Telecom
Utility Bills
Government Payments
Tax Payments
Grocery
Redeem your points for cashback, travel, and more
Auto Statement Credit
Cashback accrued per calendar month is auto-redeemed against outstanding in the next billing statement
Rs 500 cashback per transaction on first 3 purchases within 90 days on Flipkart Wholesale (min Rs 2,000 per transaction)
Spend ₹6,000 within 90 days
value
Annual renewal fee of Rs 499 + taxes waived on spending Rs 3 lakh or more in a year
Spend ₹3,00,000 within 365 days
value
Earn up to Rs 24,000 annual cashback on Flipkart Wholesale spends (Rs 2,000/month cap)
Spend ₹4,80,000 within 365 days
value
See how this card performs in different spending categories compared to other cards.
The Flipkart Wholesale HDFC Bank Credit Card is a co-branded cashback credit card designed exclusively for Flipkart Wholesale customers, particularly resellers and wholesalers. It offers up to 5% cashback on Flipkart Wholesale online spends, 5% cashback on telecom and utility payments, and 1% cashback on all other eligible purchases.
With zero joining fee and an annual fee of just Rs 499 (waivable at Rs 3 lakh annual spend), this card provides a cost-effective way for business owners to earn cashback on their everyday business and personal expenses.
The Flipkart Wholesale HDFC Bank Credit Card is a co-branded business credit card issued by HDFC Bank in partnership with Flipkart Wholesale (formerly Best Price). It runs on the Diners Club network and is specifically targeted at self-employed individuals who are members of the Flipkart Wholesale/Best Price platform.
Exclusive SmartBuy Business portal access for all HDFC Bank business cardholders with additional offers on travel and e-commerce shopping.
The Flipkart Wholesale HDFC Bank Credit Card does not include complimentary airport lounge access. This card is focused on cashback benefits for business purchases rather than travel perks.
If you require lounge access, consider upgrading to a premium HDFC Bank credit card such as the Regalia or Infinia which offer domestic and international lounge access.
The Flipkart Wholesale HDFC Bank Credit Card operates on a straightforward cashback system:
The following categories do not earn cashback:
Cashback is calculated on a calendar month basis and automatically redeemed (credited) against the outstanding balance in the next billing statement. There is no minimum threshold for auto-redemption, and no action is required from the cardholder.
Unredeemed cashback/reward points expire after 2 years of accumulation.
| Fee Type | Amount |
|---|---|
| Joining Fee | Nil |
| Annual Renewal Fee | Rs 499 + taxes (waived on Rs 3L annual spend) |
| Add-on Card Fee | Nil |
| Cash Advance Fee | 2.5% or Rs 500 (whichever is higher) |
| Late Payment Charges | Rs 800 |
| Over Limit Charges | 2.5% of overlimit amount (min Rs 550) |
| Foreign Currency Markup | 3.5% of transaction amount |
| Card Replacement | Rs 100 |
| Payment Return Charges | 2% of payment amount (min Rs 450) |
| Cash Processing Fee | Rs 100 |
| Railway Ticket Purchase | 1% + GST |
| Rent Payment Fee | 1% (max Rs 3,000/txn) from 2nd txn/month |
| Education Transaction Fee | 1% (max Rs 3,000/txn) via third-party apps |
| Fuel Transaction Fee | 1% on transactions above Rs 30,000 |
| Finance Charges | 3.75% per month (45% per annum) |
| GST | 18% on all fees, charges and interest |
While HDFC Bank does not publicly disclose a minimum CIBIL score requirement for this card, a score of 700 or above is generally recommended for approval. A higher credit score improves your chances of getting a higher credit limit.
The Flipkart Wholesale HDFC Bank Credit Card is a purpose-built cashback card that serves its niche audience well. For Flipkart Wholesale members who regularly make bulk purchases for their business, the 5% cashback translating to up to Rs 24,000 annual savings is substantial. The zero joining fee and waivable annual fee make it a low-risk proposition.
However, the card falls short in areas like travel benefits, lounge access, and insurance coverage, which limits its utility as a primary credit card. The 3.5% forex markup also makes it unsuitable for international transactions. Ideal as a complementary card for business purchases alongside a more versatile personal credit card.
Last updated: 1 February 2026
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