HDFC Bank Best Price Save Max Credit Card
Not rated yet - COFFER rates a card only after reading every document the bank publishes for it. How we rate
Business · Closed to new applications · Earns Reward Points
HDFC Bank no longer offers this card. The bank’s own page says: “We are currently not accepting new applications for the HDFC Bank Best Price Save Max Credit Card”
Open alternatives
First-year fee
₹1,000 + GST
Annual fee
₹1,000 + GST
What it gives back
2 Reward Points per ₹150 · everyday spends
Our calculation
0.4% value back
Fees
Joining fee
₹1,000 + GST
Renewal fee
₹1,000 + GST
Fee waiver rule
Renewal fee waiver on spends of ₹75,000 in 12 Months
Add-on card fee
₹0
Welcome offer
Welcome benefit
Cashback up to ₹1,800 in the first year and exciting e-vouchers worth up to ₹800 for adding 2 or more bills on Smart Pay
Rewards
Reward rate
2 Reward Points per ₹150 · everyday spends2 Reward Points for every ₹150 spent on other retail spends.
Government spend earning
Government related transactions will not earn Reward Points/CashPoints on all the cards except BizBlack Metal Card, BizPower, BizGrow, Micro Enterprise Card, BizFirst, GIGA Business, Business Regalia, Business Regalia first, Business Money back, CSC small business moneyback, Paytm Business, Flipkart Business, Retailio, Best Price Save Smart, Best Price Save Max and Pinelabs.
Groceries earning
6 Reward Points on Best Price Spends (for every ₹150 spent)
Reward earning on dining spends
4 Reward Points per ₹150 spent on dining.
Travel earning
4 Reward Points on IRCTC, utility, dining spends (for every ₹150 spent)
Utilities earning
4 Reward Points on utility spends (for every ₹150 spent)
Reward exclusions
With effect from 1 st Jan 2023, Rent payments will not earn Reward Points /CashPoints on all the cards.
Reward caps
Maximum reward points that can be earned in a statement cycle IS 15,000
Flight redemption
Reward Points redemption for flights & hotels capped at 50,000 reward points per calendar month.
Point expiry
Valid only for 2 years
What one reward unit is worth
1 Reward Point = ₹0.3.
Rent earning
Rent payments do not earn Reward Points/CashPoints
Card benefits
Lounge benefit
Up to 8 Complimentary access to 700+ Lounges Worldwide in a calendar year
Dining programme
Up to 20% savings on dining for payments via Dineout Pay
Milestone benefits
3300 Reward Points on shopping of ₹1,50,000 in a calendar quarter.
Retention or continued-access criteria
Card may be cancelled if inactive for 6 continuous months after prior written notice.
Also included
Surcharge on railway tickets
1% of the transaction
Air accident cover
Accidental air death cover worth ₹50 lakh.
Insurance benefit
Missed Connecting Flight Protection up to ₹25,000 for primary card holders
Lost card liability
Zero liability on transactions once it is reported lost.
Medical and hospitalisation cover
Emergency overseas hospitalisation protection worth up to ₹10 lakh
Travel insurance
Flight Delay cover of up to ₹25,000 for primary card holder
Balance transfer terms
1% of BT amount or ₹250, whichever is higher.
Purchase to EMI conversion
Option to convert big spends into EMI after purchase.
Charges
Dynamic currency conversion markup
With effect from 15th May 2026, a Markup fee of 1 .75 % will be levied on all transactions carried out in Indian Currency at an international location or at merchants which are located in India but registered overseas
Forex markup
3.5% on foreign currency transactions.3.5% cross currency mark-up
Cash advance fee
2.5% or ₹500 whichever is higher.
Cash advance interest
All cash advances also carry a finance charge equal to charges on revolving credit.
Cash withdrawal limit
Cash withdrawal limit: 40% of the Credit Limit.
Interest on unpaid balance
3.75% per month (i.e., 45% per annum)
Over-limit fee
2.5% of the overlimit amount subject to minimum of ₹550, applicable on total outstanding exceeding the Credit Limit
Payment return or dishonour fee
2% of payment amount, minimum ₹450
Statement or duplicate statement fee
Duplicate physical statement charges: ₹10 per duplicate physical statement.
Card replacement fee
Reissue of Lost, Stolen or Damaged Card: ₹199 for non-metal cards; ₹3,500 for metal cards.
Cash payment / cash deposit fee
₹100 (for all card payments made by depositing in HDFC Bank branches or ATMs)
EMI conversion fee
Smart EMI processing fee: upto ₹849 (exclusive of GST for all loan amounts)
Fee on online skill-based gaming spends
1% fee will be levied on Online Skill based gaming spends exceeding ₹10,000 in a calendar month.
Reward redemption fee
₹99 + GST per catalogue redemption request
Wallet load charge
1% fee on wallet loading spends exceeding ₹10,000 in a calendar month.
Rent transaction fee
1% fee on transaction amount will be levied on rental transactions done on any applicable merchant for the month. Fee capped at ₹4999 per transaction.
Grace days after the due date
20 to 50 days
Minimum amount due
Minimum Amount Due (MAD) = Total GST + EMI amount + 100% of Fees/Charges + 5% of (Finance Charge + Retail Spends + Cash Advance) + Over-limit Amount (if any), when 5% of (Finance Charge + Retail Spends + Cash Advance) is higher than the Finance Charge
Eligibility
Age the primary cardholder must be
Minimum 21 years and maximum 65 years
Eligibility
Holders must possess a Best Price membership.
Income, self-employed
Income Tax Return (ITR) should exceed ₹10 lakh per annum
In the terms, not the brochure (1)
Whether carrying a balance ends the interest-free period
This period will be free of interest only if all previous dues are paid in full and there is no unpaid balance carried over from previous months.