Flipkart Wholesale HDFC Bank Credit Card

Renewal fee

₹499 + GST

Joining feeAdd-on card fee

₹0NIL

Fee waiver rule

Renewal membership fee waived off by spending ₹3,00,000 and above in the previous year.

Welcome benefit

₹500 CashBack per transaction on first 3 purchases within 90 days of on-boarding, (Min.txn of ₹2,000 each and spends limited to Flipkart Wholesale online platforms only)

Reward rate

1% cashback · everyday spends1% CashBack on all other spends.

EMI spend earning

Not eligible to avail cashback on direct EMI purchases.

Fuel earning

1% CashBack on All other Spends, not applicable on fuel transaction

Government spend earningUtilities earning

5% CashBack on Telecom, Utility, Govt & Tax Payments up to ₹250 per month

Online earning

5% CashBack on Flipkart Wholesale Online Spends, capped at ₹2,000 per month.

Rent earning

Rent payment and Education related transactions will not earn reward points.

Wallet load earning

1% CashBack on All other Spends, not applicable on wallet & Pre paid Instrument loading/reloading

Reward exclusions

With effect from 1st January 2023, Rent payment and Education related transactions will not earn reward points.

Reward caps

Reward points earned on Grocery transactions capped at 1,000 per month.

Cashback redemptionStatement-credit redemption

CashBack accrued per calendar month auto redeemed in successive statements.

Point expiry

Unredeemed Reward Points will expire/lapse after 2 years of accumulation.

Fuel surcharge waiver

1% fuel surcharge waiver with minimum transaction of ₹400 & maximum waiver of ₹250 per statement cycle

Surcharge on railway tickets

1% of the transaction amount + GST will be charged on Railway Ticket Purchases

Lost card liability

Zero liability on fraudulent transactions on reporting card loss immediately to 24x7 call centre.

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 available on Flipkart Wholesale HDFC Bank Credit Card.

Forex markup

3.5% on foreign currency transactions.3.5% of the transaction amount

Dynamic currency conversion markup

With effect from 15th May 2026, a markup fee of 1.75% is levied on all transactions carried out in Indian Currency at an international location or at merchants 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, from the date of withdrawal until the date of full payment

Cash withdrawal limit

40% of the Credit Limit.

Interest on unpaid balance

3.75% Monthly 45.0% Annually

Interest-free period

Up to 50 days of interest-free credit from the purchase date, subject to timely charge submission by the merchant

Late payment fee

₹100 or less: Nil; ₹101 to ₹500: ₹100; ₹501 to ₹1,000: ₹500; ₹1,001 to ₹5,000: ₹600; ₹5,001 to ₹10,000: ₹750; ₹10,001 to ₹25,000: ₹900; ₹25,001 to ₹50,000: ₹1,100; more than ₹50,000: ₹1,300 (excl. GST)

Over-limit fee

Over-limit charge of 2.5% of the overlimit amount, subject to a minimum of ₹550, applicable on total outstanding exceeding the credit limit, basis explicit consent

Payment return or dishonour fee

2% of Payment amount subject to minimum of ₹450 (applicable for cheque payment return or unsuccessful payment attempt through Autopay facility)

Statement or duplicate statement fee

₹10 per duplicate physical statement.

Card replacement fee

₹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)

Education / school fee charge

1% fee on education transactions done through third party applications like (but not limited to) CRED, Nobroker, Cheq etc., capped at ₹4999 per transaction; education transactions done directly through college / school websites or through POS machines at their premises, and international education transactions, will not be charged.

Fee on online skill-based gaming spends

From 1st July 2025, 1% fee on online skill-based gaming spends exceeding ₹10,000 in a calendar month; fee applied on the total online skill-based gaming spends in the calendar month; fee capped at ₹4999 per month

Wallet load charge

From 1st July 2025, 1% fee on wallet loading spends (excl PayZapp) exceeding ₹10,000 in a calendar month; fee applied on the total wallet loading spends in the calendar month; fee capped at ₹4999 per month

Fuel transaction fee

1% fee on fuel transactions exceeding ₹15,000 for consumer cards (₹30,000 for business cards); fee applied on the total transacted amount; fee capped at ₹4999 per transaction.

Rent transaction fee

From 1st July 2025, 1% fee on transaction amount on rental transactions done on any applicable merchant for the month; fee capped at ₹4999 per transaction

Utility transaction fee

1% fee on utility spends exceeding ₹50,000 per calendar month for consumer cards (₹75,000 per calendar month for business cards); fee applied on the total utility spends in the calendar month; fee capped at ₹4999 per month.

GST note

Goods & Services Tax (GST) is applicable on all Fees, Charges and Interest transactions

Minimum amount due

MAD = Total GST + EMI amount + 100% of Fees/Charges + Over-limit Amount (if any) + 5% of (Finance Charge + Retail Spends + Cash Advance) where that 5% is higher than the Finance Charge; where it is less, 100% of Finance Charges + 5% of (Retail Spends + Cash Advance) instead. MAD at or below ₹200 is charged as ₹200; if Total Amount Due is ₹200 or lower, MAD equals it.

Age the primary cardholder must be

Minimum: 21 years

Eligibility

Self-Employed: Indian national, Age 21–65 years, Annual ITR > ₹6 lakh.

Income, self-employed

Annual ITR > ₹6 lakh.

Documents required

Identity Proof: Passport, Aadhaar card, Voter ID, Driving licence, PAN card, Passport size photographs; Address Proof: Utility bills, Rental agreement, Passport, Aadhaar card, Voter ID; Income Proof: Salary slips, ITR, Form 16, Bank statements.

Residency

Indian national