Flipkart Wholesale HDFC Bank Credit Card

HDFC Bank · Open to apply

HDFC's co-brand card for Flipkart Wholesale buyers (resellers and wholesalers). It pays 5% cashback on Flipkart Wholesale online spends (up to ₹2,000 a month), 5% on telecom, utility, government and tax payments (up to ₹250 a month) and 1% on everything else, plus ₹500 cashback on each of the first three Flipkart Wholesale purchases. The ₹499 fee is waived at ₹3 lakh a year.

Annual fee
₹499 + GST a year
Joining fee
None
Fee waiver
Annual fee waived on ₹3,00,000 spend per card year
Base rate
1% CashBack on all other spends: 1% in CashBack (about 1% at cash value)
Lounges
None on record
Forex markup
3.5%
Data
From bank documents, checked 6 Nov 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)
  • 5% CashBack on Flipkart Wholesale online spends: 5% in CashBack (about 5% at cash value)
  • 5% CashBack on telecom, utility, government and tax payments: 5% in CashBack (about 5% 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)

Earns nothing on

  • No CashBack on fuel or on wallet and prepaid instrument loads
  • No CashBack on EMI purchases
  • No CashBack on rent and education (from 1 January 2023)
  • No CashBack on online skill-based gaming (from 1 July 2025)

Where the sources disagree

  • fuel surcharge waiver range: The FAQ says the 1% waiver applies to fuel transactions of ₹400 to ₹2,000 (and ₹250 a month in one place); the MITC fee table says ₹400 to ₹5,000 with a maximum waiver of ₹250 per statement cycle. The MITC is used.
  • cap on 5% telecom, utility, government and tax cashback: The product page and FAQ question 15 say ₹250 a month; FAQ question 3 says ₹250 per statement. A month is used.

Terms the calculator does not value

  • The 5% tier applies only to spends on the Flipkart Wholesale platform, identified by a merchant and terminal ID list the partner maintains; the calculator has no Flipkart Wholesale bucket, so the rule never applies and all ordinary spends earn the 1%.
  • The FAQ (31 January 2025) lists a launch offer of an additional 5% cashback on Flipkart Wholesale online spends, capped at ₹3,000 a month. The current product page does not mention it and no end date is given, so it is not entered.
  • The ₹500 cashback on each of the first three purchases needs each purchase to be at least ₹2,000 and made on Flipkart Wholesale; the calculator assumes a person who spends ₹6,000 in 90 days anywhere qualifies.
  • The product page's redemption box (terms from 1 January 2023 and 31 October 2023) also charges 1% on rent from the second rent payment in a calendar month; this reads as HDFC's generic wording and the rent fee follows the MITC. The same box's grocery cap (1,000 a month) is entered, as MITC clause m gives it too.
  • 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 HDFC's other unnamed business cards are; the chart says it is for "all credit/debit cards", and the FAQ lists "SmartBuy Offer on Travel, Ecom Shopping (may vary from time to time)" among the card's features. The chart is valid till 31 March 2027.

Sources

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