HDFC Bank Best Price Save Smart Credit Card
HDFC Bank · Closed to new applicants
HDFC's entry business cashback card for Best Price wholesale stores: 1% cashback on Best Price spends up to ₹10,000 a month, 0.5% on other retail and ₹500 back on ₹75,000 of spend in a calendar quarter, for ₹500 a year waived at ₹50,000. Closed to new applicants.
- Annual fee
- ₹500 + GST a year
- Joining fee
- ₹500 + GST
- Fee waiver
- Annual fee waived on ₹50,000 spend per card year
- Base rate
- 0.5% cashback on other retail spends: 0.5% cashback (about 0.5% at cash value)
- Lounges
- None on record
- Forex markup
- 3.5%
- Data
- From bank documents, checked 24 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)
- 1% cashback on Best Price spends, up to ₹10,000 a month: 1% cashback (about 1% at cash value)
Earns nothing on
- No cashback on rent or education (from 1 January 2023)
- No cashback on online skill-based gaming (from 1 July 2025)
- No cashback on wallet loads or EasyEMI
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 page's "Launch Offer" (₹500 cashback on ₹25,000 of spend every month, ₹250 on ₹10,000 a month of dining, utility or IRCTC spend) was "valid on customers sourced till March 31, 2020 ... for 1 year from card set-up date", so it has ended and is not valued (corrected: the entry listed it as a current benefit). The page's FAQ still advertises the ₹500 monthly cashback.
- The calculator has no Best Price spend line, so the 1% Best Price rule applies only if a spend profile names Best Price.
- The MITC's monthly caps on utilities and telecom do not apply to this card. MITC v4.15 clause n caps the Reward Points earned on utility and on telecom transactions at 2,000 a calendar month from 1 September 2024, then says "Please note: For Millennia, UPI, BIZ UPI, Swiggy, BIZ First, Paytm, Paytm Business, Easy EMI Millennia, Best Price Save Smart and Bharat credit cards, the capping as per the product feature will continue to be applicable". The product page states no cap on the 0.5%, so utility and telecom bills earn 0.5% through the base rule, uncapped.
- SmartBuy cashback applies only to purchases made through the SmartBuy portal. The card is not named in the SmartBuy chart, so it is placed in the "Other credit card (CashBack)" column (5% or 10% on listed categories and merchants, ₹1,000 a month), as Best Price Save Max and BizFirst are; the chart says it is for "all credit/debit cards". The product page adds an "Exclusive SmartBuy Business portal for all Business cardholders" whose offers are not read. The chart is valid till 31 March 2027.
Sources
- Best Price Save Smart Credit Card product page (Product page, the bank's own, read 20 Oct 2026)
- Best Price Save Smart 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)
- Updates on your credit card rewards, fees and charges, effective 15 May 2026 (generic mailer) (Bank notice, 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)