Earn more on business purchases with dedicated wholesale rewards.
Up to 5% cashback on Flipkart Wholesale spends
Up to 50 days interest-free
Annual fee waiver on milestone spends
Enter your details to get started
| Benefit | Details |
|---|---|
| Wholesale Cashback | Earn higher cashback on purchases made via Flipkart Wholesale platform, ideal for kirana stores and small businesses. |
| Business-Focused Rewards | Get accelerated benefits on inventory purchases, helping reduce overall procurement cost. |
| Fuel Surcharge Waiver | Enjoy waiver on fuel surcharge across petrol pumps in India. |
| Affordable Annual Fee | Low annual fee, waived on achieving specified annual spending threshold. |
| Interest-Free Period | Get up to 50 days of interest-free credit on purchases. |
| Attribute | Classification |
|---|---|
| Issuer / Provider | HDFC Bank |
| Bank / Non-bank | Bank-affiliated |
| Category | Cashback / Business Spending |
| Type of Card | Co-branded Credit Card |
| Free or Paid | Paid (Fee waiver on milestone spends) |
The Flipkart Wholesale HDFC Bank Credit Card is suitable for small business owners, kirana store operators, and traders who regularly purchase inventory through Flipkart Wholesale. It is designed to provide direct savings through cashback on bulk purchases, while also offering credit flexibility to manage working capital efficiently.
Wholesale-Focused Benefits: This card is designed specifically for business users who procure goods from Flipkart Wholesale, offering higher cashback rates on such transactions compared to regular cards.
Cost Savings on Inventory: By earning cashback on bulk purchases, users can effectively lower their procurement costs, improving overall business margins.
Working Capital Support: With an interest-free credit period of up to 50 days, the card helps manage short-term cash flow requirements without immediate outflow.
Fuel Benefits: The fuel surcharge waiver provides additional savings for businesses that rely on transportation and logistics.
Simple Fee Structure: The annual fee is affordable and can be waived upon reaching a defined spending milestone, making it cost-effective for active users.
Wide Acceptance: Being a standard credit card, it is accepted across both online and offline merchants, ensuring flexibility beyond Flipkart Wholesale purchases.
Easy Access & Management: Cardholders can manage transactions, track spends, and monitor rewards through HDFC Bank’s digital platforms.
5% Cashback on Flipkart Wholesale Spends
Earn 5% cashback on purchases made through Flipkart Wholesale platform.
Designed for bulk buying across groceries, staples, and business inventory.
Maximum cashback may be subject to a monthly cap as per card terms.
2% Cashback on Business Categories
Get 2% cashback on select business-related spends such as utilities and essential services.
Helps reduce operational expenses for small businesses.
Monthly cashback limits may apply.
1% Cashback on Other Spends
Earn 1% cashback on all other retail purchases.
Applicable across both online and offline transactions.
Excludes categories such as fuel, rent, wallet loads, EMI transactions, and government payments.
The CashPoints earned on your card can be redeemed in multiple ways:
Statement Credit
Cashback earned is automatically adjusted against your credit card statement.
Reduces the overall payable amount without requiring manual redemption.
Direct Savings on Expenses
Cashback directly lowers procurement and operational costs for business users.
No separate redemption platform is required.
Activation Benefit
Receive a welcome benefit (such as voucher or cashback) on completing the first transaction within a specified period from card activation.
Details and timelines are communicated by the bank.
Up to 50 Days
Get up to 50 days of interest-free credit on purchases.
Applicable from the date of transaction, subject to merchant submission.
Flexible Credit Facility
Carry forward outstanding balance using the revolving credit option.
Interest charges apply as per the bank’s applicable rates.
Fuel Surcharge Waiver
Get waiver on fuel surcharge across petrol pumps in India.
Applicable within specified transaction limits.
Business Expense Management
Track and manage all business-related spends efficiently through monthly statements.
Helps in better budgeting and financial planning.
Cashback is not applicable on the following transactions:
Fuel purchases
Rent payments
Wallet loads and prepaid card loads
EMI transactions
Insurance payments
Government-related payments
Education fees
Cash advances
Card fees and charges
Disclaimer: The card features, benefits, application process, and other details mentioned above are accurate at the time of writing, but may change without prior notice.
| Fee Type | Amount | Details |
|---|---|---|
| Joining Fee | Rs. 499 + GST | One-time charge applicable at the time of card issuance. |
| Annual Fee | Rs. 499 + GST | Charged annually; waived on achieving specified annual spending milestone. |
| Interest Rate (APR) | 3.6% per month (43.2% annually) | Applicable on outstanding balances if not paid in full. |
| Foreign Currency Markup | 3.5% + GST (~4.13%) | Charged on all international transactions. |
| Cash Advance Fee | 2.5% or Rs. 500 (whichever is higher) | Applicable on cash withdrawals using the card. |
| Cash Advance Limit | Up to 40% of card limit | Maximum amount that can be withdrawn as cash. |
| Overlimit Penalty | 2.5% of overlimit amount (minimum Rs. 550) | Charged when usage exceeds assigned credit limit. |
| Payment Return Charges | 2% of payment amount (minimum Rs. 450) | Applicable when payment is dishonoured or fails. |
| Cash Processing Fee | Rs. 100 | Charged for card-related cash transactions at bank branches/ATMs. |
| Rewards Redemption | Not Applicable | Cashback is auto-credited to the statement; no manual redemption fee. |
| Railway Ticket Purchase Fee | 1% of transaction amount + GST | Charged on IRCTC transactions; may be reversed as per terms. |
| Balance Transfer Charges | 1% of transfer amount or Rs. 250 (whichever is higher) | Applicable on balance transfer requests. |
| Duplicate Statement Charges | Rs. 10 per statement | Charged for requesting physical duplicate statements. |
| Criteria | Details |
|---|---|
Age | Applicant should be between 21 and 65 years. |
Employment Type | Suitable for salaried and self-employed individuals (business owners preferred). |
Citizenship | Must be a Resident of India. |
Credit Score | Good CIBIL score (ideally 750 and above) recommended. |
Income | Stable income source required. |
| Document Type | Details |
|---|---|
| Identity Proof | Aadhaar Card, PAN Card, Passport, Driving License, or Voter ID |
| Address Proof | Aadhaar Card, Passport, Driving License, Voter ID, or Utility Bill |
| Income Proof | Latest payslip / Bank statement / Form 16 / ITR copy |
| PAN Card | Mandatory for credit card issuance |
Step 1: Click on Apply Now: Click on the "Apply Now" button available on the official HDFC Bank or Flipkart Wholesale platform.
Step 2: Fill in Your Details: Enter your personal, business, and contact details in the application form.
Step 3: Upload Required Documents: Upload PAN Card, Aadhaar/Address Proof, and Income/Business Proof as required.
Step 4: Submit Your Application: Review all entered details carefully and submit the application.
Step 5: Approval & Card Delivery: Once approved, your card will be dispatched to your registered address.
| Usage Tips | Details |
|---|---|
Use on Flipkart Wholesale | Make bulk purchases on Flipkart Wholesale to earn higher cashback. |
Maximise Business Spending | Use the card for inventory, groceries, and wholesale purchases to optimise savings. |
Set Credit Card PIN | Activate and set your card PIN before using it for transactions. |
Track Cashback Earnings | Monitor monthly cashback to stay within applicable limits. |
Pay Utility Bills | Use the card for business-related utility payments to earn additional cashback. |
Use for Daily Expenses | Use the card for regular business and personal spends to earn base cashback. |
Monitor Credit Limit | Keep track of available credit limit to avoid overlimit charges. |
Maintain Spend Threshold | Achieve annual spend milestone to get the annual fee waived. |
Check Statements Regularly | Review monthly statements to track expenses and manage finances. |
Avoid Cash Withdrawals | Use card primarily for purchases to avoid high cash advance charges. |
The Flipkart Wholesale HDFC Bank Credit Card is designed for users who want to maximize their credit card benefits effectively.
Disclaimer: The information provided on this page has been gathered from various reliable sources and is intended solely for general informational purposes. As details may change over time, we do not guarantee the accuracy or completeness of the content. Users are advised to verify the information with official or relevant sources before making any decisions or taking action.
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