HDFC Bank Best Price Save Max Credit Card
HDFC Bank · Closed to new applicants
HDFC's business card for Best Price wholesale stores: 6 reward points per ₹150 at Best Price, 4 on IRCTC, utilities and dining and 2 on other retail, with 8 lounge visits a year and ₹50 lakh air accident cover, for ₹1,000 a year waived at ₹75,000. Closed to new applicants.
- Annual fee
- ₹1,000 + GST a year
- Joining fee
- ₹1,000 + GST
- Fee waiver
- Annual fee waived on ₹75,000 spend per card year
- Base rate
- 2 points per ₹150 on other retail spends: 2 Reward Points per ₹150 (about 0.4% at cash value)
- Lounges
- Domestic: 8 visits a calendar year
- Forex markup
- 3.5%
- Data
- From bank documents, checked 23 Oct 2026
Main earn rates
- SmartBuy at IGP, Jockey and PharmEasy, 10% CashBack: 10% in SmartBuy CashBack on top of the base rate (about 10% at cash value)
- SmartBuy flights and hotels, 5% CashBack on top of the base: 5% in SmartBuy CashBack on top of the base rate (about 5% at cash value)
- SmartBuy at Myntra, Nykaa, redBus, Zoomcar, Apple (Imagine Tresor) and MakeMyTrip holiday packages, 5% CashBack: 5% in SmartBuy CashBack on top of the base rate (about 5% at cash value)
- SmartBuy instant brand vouchers, 5% CashBack: 5% in SmartBuy CashBack on top of the base rate (about 5% at cash value)
- 6 points per ₹150 at Best Price: 6 Reward Points per ₹150 (about 1.2% at cash value)
Earns nothing on
- No points on wallet loads or EasyEMI
- No points on rent or education payments (from 1 January 2023)
- No points on online skill-based gaming (from 1 July 2025)
Where the sources disagree
- accrual basis (₹150 or ₹200): The product page gives every rate per ₹150. MITC v4.15 clause I says Reward Points are earned on multiples of ₹200 except for named cards (Best Price Save Max is not named), while HDFC's 15 May 2026 notice, which moved named cards to ₹200, does not list this card and says there is no change for "other co-brand cards". The page's per-₹150 rates are used.
Terms the calculator does not value
- The card is closed to new applicants; the calculator values it as if issued today. HDFC gives no closing date.
- The card's own reward T&C could not be read (HDFC's "MITC" link on the page serves the Pine Labs FAQ), so caps for IRCTC and dining, the lounge programme and its domestic and international split, and redemption channels other than cashback are not entered.
- Whether fuel earns points is not stated: the page gives 2 points per ₹150 on "other retail spends" and the card's own reward T&C is unavailable. Fuel is valued at the base rate.
Sources
- Best Price Save Max Credit Card product page (Product page, the bank's own, read 20 Oct 2026)
- Best Price Save Max Credit Card fees and charges (Schedule of charges, the bank's own, read 20 Oct 2026)
- HDFC Bank credit cards Most Important Terms and Conditions (Key Fact Statement), version 4.15, updated 17 October 2026 (Most important terms (MITC), the bank's own, read 20 Oct 2026)
- HDFC Bank rewards redemption form (cashback conversion ratios and minimums by card; PDF created 24 September 2026) (Reward terms, the bank's own, read 20 Oct 2026)
- HDFC Bank notice "Updates on your credit card rewards, fees & charges" (effective 15 May 2026) (Bank notice, the bank's own, read 20 Oct 2026)
- SmartBuy accelerated earn rules (valid till 31 March 2027) (Reward terms, the bank's own, read 23 Oct 2026)