HDFC Bank Best Price Save Smart Credit Card
Maximize your business savings at Best Price stores
Annual Fee
₹500
Base Rewards
0.7%
Forex Fee
3.5%
Expert Verdict
The HDFC Best Price Save Smart is a niche co-branded business card designed specifically for Flipkart Wholesale members. While it offers a decent 1% return on store spends, the monthly capping makes it less effective for large-scale procurement.
Quick Match
Is this card right for you?
Great match for your profile!
Your Estimated Value
Year 1
+₹4,000
Includes ₹500 bonus
Year 2+
+₹3,500
Fee waiver eligible!
Why get this card
1% direct savings as Reward Points on all Best Price (Flipkart Wholesale) spends
Reward Points value is high at 1 RP = 1 INR when redeemed for Best Price vouchers
Low annual fee waiver threshold of just ₹50,000 per year
Welcome benefit of 500 Reward Points covers the joining fee value
Watch out for
Monthly cap of 500 Reward Points on Best Price spends limits high-volume business utility
Base reward rate is low at approximately 0.66% (1 RP per ₹150)
No travel benefits like lounge access or insurance coverage
+1 more considerations
- Redemption is restricted primarily to Best Price vouchers
Who is this card for?
Best for
small business owner
Small retailers or business owners who frequently source inventory from Best Price/Flipkart Wholesale stores.
Min: ₹10,000/mo
Skip if you're
lifestyle spender
Users looking for dining, movies, or travel perks as this card is strictly utility-focused for business sourcing.
Base Earning
1 Reward Points
per ₹150 spent
0.7%
effective rate
Point value: ₹1.00/point
Bonus Categories
Best Price / Flipkart Wholesale - SHOPPING
1.5×
1% return
500 pts/month
Welcome Offer
Welcome points credited upon payment of the joining fee.
500
points
₹500
value
within 90 days
Milestones
Spend ₹0.5L
Annual membership fee of ₹500 waived on spending ₹50,000 in a year.
No rewards on:
Fuel, rent payments, utility bills, government payments, wallet loads, insurance premiums, EMI transactions
Upgrade Path
Move up or down within this bank