HDFC Bank Best Price Save Smart 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 cashback
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 Smart Credit Card”
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First-year fee
₹500 + GST
Annual fee
₹500 + GST
What it gives back
0.5% cashback · everyday spends
Fees
Annual feeJoining fee
₹500 + GST
Fee waiver rule
Spend ₹20,000 & above in the first 90 days and get a first-year membership fee waived. Annual spends of ₹50,000 and get renewal fee waived for the next renewal year.
Add-on card fee
₹0
Welcome offer
Welcome benefit
₹150 CashBack on 4 or more purchases within the first 90 days of card setup
Rewards
Reward rate
0.5% cashback · everyday spendsCashBack of 0.5% for every ₹150 spent on retail purchases.
Reward earning on dining spends
₹250 CashBack on spending ₹10,000 per month on dining, utility, or IRCTC only
Reward exclusions
Education related transactions will not earn Reward Points/CashPoints.
Reward caps
1% CashBack on all Best Price spends up to ₹10,000 per month
Point expiry
Valid only for 2 years
Rent earning
Rent payments do not earn Reward Points/CashPoints on all cards w.e.f. 1st Jan 2023
Card benefits
Dining programme
20% savings on paying via Dineout Pay.
Milestone benefits
₹500 CashBack on shopping of ₹75,000 in a calendar quarter.
Minimum spend rules
Assured CashBack of ₹500 on spends of ₹25,000 every month.
Also included
Fuel surcharge waiver
1% fuel surcharge waiver at all fuel stations across India on minimum transaction of ₹400
Surcharge on railway tickets
1% of the transaction
Lost card liability
Zero liability on fraudulent transactions made with your card, if card loss is reported immediately to the bank's 24-hour call centre.
Balance transfer terms
1% of BT amount or ₹250, whichever is higher.
Purchase to EMI conversion
Ability to convert large transactions to a SmartEMI after purchase.
Charges
Forex markup
3.5% on foreign currency transactions.
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
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 overlimit amount, subject to a minimum of ₹550
Payment return or dishonour fee
2% of Payment amount subject to minimum of ₹450
Statement or duplicate statement fee
Duplicate physical statement charges: ₹10 per duplicate physical statement.
Cash payment / cash deposit fee
₹100 for all card payments made by depositing in HDFC Bank branches or ATMs.
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.
Wallet load charge
1% fee will be levied on Wallet loading spends exceeding ₹10,000 in a calendar month.
Grace days after the due date
Up to 50 days of interest free Credit from the date of purchase
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.