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HDFC Bank Flipkart Wholesale Credit Card Review: Fees & Rewards 2026

Check HDFC Bank Flipkart Wholesale Credit Card benefits: 5% cashback on wholesale & utilities, ₹1500 welcome bonus, and fee waiver details.

Vyaya Team · Mar 2026
5 min read
Value Score
7.0 / 10
Annual Fee
₹499
Best For
small-business-owner
Network
Diners Club
Expert Verdict

A highly specialized business card that offers significant savings for Flipkart Wholesale members. While the reward caps are modest, the 5% cashback on inventory and utilities makes it a valuable tool for small retailers to manage cash flow.

HDFC BANKDiners Club
HDFC Bank Flipkart Wholesale Credit Card
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REWARD SUMMARY
1% Base Rewards
The industry-first co-branded credit card for Kirana members and small merchants.
← Tap to flip back

The Bottom Line

The HDFC Bank Flipkart Wholesale Credit Card is a highly specialized business card that offers significant savings for Flipkart Wholesale members. While the reward caps are modest, the 5% cashback on inventory and utilities makes it a valuable tool for small retailers to manage cash flow. With a ₹499 annual fee that is waived on ₹3,00,000 yearly spend, it offers fuel surcharge waiver and 1% base rewards. For anyone researching hdfc bank flipkart wholesale credit card, the verdict is simple: recommended.

It earns a base reward rate of 1% and stacks best when your spending lines up with small-business-owner. The renewal fee gets easier to justify once you can hit ₹3,00,000 in yearly spend.

What we like
+5% cashback on Flipkart Wholesale online purchases (capped at ₹2,000 per month).
+5% cashback on Telecom, Utility, Government, and Tax payments (capped at ₹250 per month).
+Welcome benefit of ₹1,500 cashback via ₹500 off on the first three transactions.
+Low annual fee of ₹499 with a waiver on spending ₹3 Lakhs annually.
+Direct cashback redemption against the credit card statement.
What we don't
–Monthly cashback caps are relatively low for high-volume business users.
–No cashback on rental, education, wallet loads, or fuel transactions.
–High interest rate of 45% APR if the full balance is not paid.

Who Should Get This Card

Use this as a quick filter before comparing rewards or fees in detail.

Best fit for

Ideal
+
small-business-owner

Ideal for Kirana store owners who source inventory through Flipkart Wholesale and want to save on utility bills.

Best value above ₹25,000/month

Probably not for

Skip
–
general-shopper

The card's primary benefits are restricted to Flipkart Wholesale and business-related categories.

Is It Worth It For You?

Slide to your typical monthly card spend. We'll do the rest.

Calculate Your Value

Adjust your typical monthly spend by category.

🍽️
Dining
0₹5,000Max ₹50k
Est. Returns
✈️
Travel
0₹10,000Max ₹1L
Est. Returns
🛒
Shopping
0₹8,000Max ₹80k
Est. Returns
🥬
Groceries
0₹6,000Max ₹40k
Est. Returns
Annual rewards₹0
Annual fee-₹499
Net Value (Year 1)₹-499
Net Value (Year 2+)₹-499
Progress to fee waiver0%

Spend ₹3,00,000 more to waive annual fee

Sign in for personalized estimates based on your actual spending

Reward Rates

HDFC Bank Flipkart Wholesale Credit Card offers 1% basic reward rate.

Quick Calculator

Estimate earnings for a specific purchase

₹
Flat 1% on all spends

Fees & Charges

Joining fee₹0
Annual fee₹499
Fee waiverSpend > ₹3,00,000

Eligibility

  • Min Income: ₹6 Lakhs
  • Min Credit Score: 750
  • Exclusively for Flipkart Wholesale/Best Price members. Applicant must be a self-employed Indian citizen aged 21-65 years.

Exclusions & Terms

Fuel

    Wallet Loading

      Rental Payments

        Education Payments

          EMI Transactions

            Compare with Alternatives

            Feature
            HDFC Bank Flipkart Wholesale Credit Card
            HDFC Bank
            Current Card
            HDFC Bank MoneyBack+ Credit Card by HDFC Bank - credit card comparison
            HDFC Bank MoneyBack+ Credit Card
            HDFC Bank
            View Details
            Annual Fee
            ₹499
            ₹500
            Joining Fee
            ₹0
            ₹500
            Reward Rate
            1%
            0.33%
            Network
            Diners Club
            Visa
            Best For
            small-business-owner
            first-time-useronline-shopper

            Frequently Asked Questions

            3 data-backed answers from our card database

            What is the annual fee for the HDFC Flipkart Wholesale card?+

            The annual fee is ₹499 + GST. It is waived if you spend ₹3,00,000 or more in the previous year.

            Does this card offer lounge access?+

            No, the HDFC Bank Flipkart Wholesale Credit Card does not offer complimentary domestic or international airport lounge access.

            How is the cashback redeemed?+

            Cashback is automatically redeemed and credited to your credit card statement in the following month.

            Ready to apply?

            ₹499 fee. Excellent rewards. Apply now securely.

            Apply on HDFC Bank →

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