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What's in store for you

More benefits than ever before

CashBack Benefits

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

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

  • 1% CashBack on all other spends will be capped at 25,000 per month

Activation Benefits

  • ₹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) 

SmartBuy Benefits

  • Exclusive SmartBuy Business portal for all Business cardholders. Click here to know more.

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Additional Benefits

Wondering if you are eligible for this card?

For Self-Employed

  • Nationality: Indian national
  • Age: Minimum: 21 years, Maximum: 65 years
  • Income: Annual ITR > ₹6 lakh
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Documents required to get you started

Identity Proof

  • Passport
  • Aadhaar card
  • Voter ID
  • Driving licence
  • PAN card
  • Passport size photographs

Address Proof

  • Utility bills (electricity, water, gas, or telephone)
  • Rental agreement
  • Passport
  • Aadhaar card
  • Voter ID

Income Proof

  • Salary slips (for salaried individuals)
  • Income Tax Returns (ITR)
  • Form 16
  • Bank statements

Fees and Charges

Know more about the joining/renewal fees and other charges here.

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How to apply for a Credit Card?

Apply for a Credit Card online in 3 simple steps:

  • Step 1 - Provide your personal details
  • Step 2 - Select the Credit Card best suited for you
  • Step 3 -  Upload your documents and submit
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More About The Card

Credit Card Management & Controls

    Netbanking

    To enable card controls for your HDFC Bank Credit Card through NetBanking, follow these steps:

    1. Log in to HDFC Bank NetBanking using your Customer ID.

    2. Go to the Cards Tab >Select the card > Click Manage card>Manage Domestic and International Limits.

    3. You will be able to view your existing daily domestic and international usage limits.

    4. Enable or disable Online, Contactless, and International usage based on your preference.

    5. Click ‘Update’, enter the OTP received on your registered mobile number, and then click ‘Continue’.

    6. Your selected card controls will be updated instantly.

    Mobile Banking

    To enable card controls for your HDFC Bank Credit Card conveniently through our HDFC Bank MobileBanking App, follow these steps:

    1. Open the HDFC Bank MobileBanking App and log in using your credentials.

    2. Go to the ‘Cards’ section from the menu.

    3. Select the HDFC Bank Credit Card for which you want to enable card controls.

    4. Click ‘Manage Limits’, then enable/disable transaction types such as Online Transactions, Contactless Payments, and International Usage, or set transaction limits according to your preference.

    5. Click ‘Update’ to confirm your changes and enter your MPIN. The updated card control settings will be applied instantly.

    For more detailed management, you can also use our MyCards platform at https://mycards.hdfc.bank.in/ which offers a seamless experience without the need for passwords or downloads.

    MyCards

    To enable card controls for your HDFC Bank Credit Card via MyCards, follow these steps:

    1. Visit the MyCards portal- https://mycards.hdfc.bank.in/ on your desktop or mobile.

    2. Log in using your registered mobile number and the OTP received.

    3. For first-time users, enter the last four digits of your card.

    4. On the card homepage, click the ‘Card Control’ tab.

    5. Enable/disable features such as Online Transactions, Contactless Transactions, International Usage, and set usage limits as per your preference.

    6. Confirm your settings, and the changes will be applied instantly.

    PayZapp

    You can conveniently enable card controls for your HDFC Bank Credit Card through PayZapp by following these steps:

    1. Open the PayZapp app and log in using your credentials.

    2. On the homepage, tap the ‘MyCards’ tab> Select ‘Go to MyCards’.

    3. Log in using your registered mobile number and the OTP sent to your mobile.

    4. If you are a first-time user, enter the last four digits of your HDFC Bank Credit Card.

    5. On the card homepage, tap the ‘Card Control’ tab.

    6. Enable or disable features such as Online Transactions, Contactless Transactions, and International Usage, or set usage limits according to your preference.

    7. Confirm your settings. The updated card control settings will be applied instantly.

    WhatsApp Banking

    To enable card controls for your HDFC Bank Credit Card using WhatsApp Banking, follow the steps given below:

    1. Add HDFC Bank’s official WhatsApp number – 7070022222– to your contacts.

    2. Send the text "Credit Card" to this number.

    3. You will receive a reply with options. Choose the option “Manage My Card”

    4. You will receive a reply with options to select “Domestic / International/ Enhance limits”

    5. Choose the option you want to enable, such as Domestic Online Transactions, Contactless Transactions, or International Transactions.

    6. Enter the transaction limit you want to set. An OTP will be sent to your registered mobile number. Enter the OTP to confirm the change.

    7. Enter the last 4 digits of your Credit Card number.

    8. The current status of the selected transaction type will be shown as Enabled.

    IVR

    To enable or modify your HDFC Bank Credit Card controls and transaction limits, you can contact HDFC Bank's toll-free numbers:

  • Toll-free numbers: 1800 1600 or 1800 2600 (available from 8 am to 8 pm)
  • For overseas travel assistance: 022-61606160

    • By contacting our toll-free numbers, you can enable/modify limits for Domestic, International, Online, Contactless, ATM, and POS transactions on your Debit or Credit Card.

Welcome Renwal Bonus

Card Reward & Redemption Program

Redemption Value:

  • CashBack accrued per calendar month auto redeemed in successive statements 

Redemption Limit: 

  • With effect from 1st January 2023,
     
    • Rent payment and Education related transactions will not earn reward points. 
    • Reward points earned on Grocery transactions will be capped to 1,000 per month. 
    • Redemption of Travel Reward Points will be capped at 50,000 points per month
  • 1% Fees to be charged on Rental transactions - from the 2nd rental transaction done every calendar month
  • 1% Mark-Up charges to be applied on all DCC transactions

TandC (w.e.f 31st Oct 2023)

  • 1% CashBack on all other spends will be capped at 25,000 per month

  • Only the mentioned categories basis the Merchant IDs / Terminal IDs in the list shared by Flipkart Wholesale Partner shall be applicable for relevant cashbacks. The same shall be updated and maintained periodically as obtained from Partner's end.

Card Reward & Redemption Program

Cashback Validity

  • Unredeemed Reward Points will expire/lapse after 2 years of accumulation 
Cashback Validity

Contactless Payment

  • Flipkart Wholesale HDFC Bank Credit Card is enabled* for Contactless Payments at retail outlets.
    (Note: In India, payment through contactless mode is allowed for a maximum of ₹5,000 for a single transaction where you are not asked to input your Credit Card PIN. However, if the amount is higher than or equal to ₹5,000, the Card holder must enter the Credit Card PIN for security reasons. You may check for the Contactless Network Symbol on your card.) 
Contactless Payment

Smart EMI

  • Option to convert big spends into EMI after purchase available on Flipkart Wholesale HDFC Bank Credit Card. (Click here to know more)   
Smart EMI

Zero Cost Card Liability

  • Available on any fraudulent transactions made on your Credit Card if reported immediately to HDFC Bank’s 24-hour Call Centre.
Zero Cost Card Liability

Revolving Credit

  • Available at a nominate interest rate. (Check Fees and Charges section for more details)
Revolving Credit

Most Important Terms and Conditions

  • *The Most Important Terms and Conditions for each of our banking offerings features all the specific terms and conditions that govern their use. You must go through it thoroughly to fully understand the terms and conditions applicable to any banking product you choose.
MITC

Frequently Asked Questions

You will need identity proof (Aadhaar Card, PAN Card), address proof (latest utility bill, passport), and income proof (latest salary slips for salaried individuals, income tax returns for self-employed individuals) to apply for Flipkart Wholesale Credit Card Online.

To apply for Flipkart Wholesale Credit Card, follow these steps: 

Existing HDFC Bank Account holders: 

  • Download the application form 

  • Fill in your details and drop it off at your local HDFC Bank branch 

  • We'll handle the rest and send the card to your mailing address. 

Non-HDFC Bank Account holders: 

  • Download the Account Opening form 

  • Fill it, including the Flipkart Wholesale Credit Card application 

  • Submit it to your nearest HDFC Bank branch, and we'll assist with the rest 

- Utility bill payments made easy with SmartPay.

- Interest-free credit period up to 50 days.

- Fuel surcharge waiver at all fuel stations across India.

The Flipkart Wholesale HDFC Bank Credit Card is a co-branded Credit Card that offers attractive cashback rewards, exclusive discounts on Flipkart Wholesale online platforms, utility bill payments, interest-free credit period, fuel surcharge waiver, and various other benefits.

Yes, the Flipkart Wholesale Credit Card provides unlimited airport lounge access to 1000 plus lounges in India for both primary and add-on card members. Enjoy a comfortable and luxurious travel experience. 

The credit limit on your Flipkart Wholesale HDFC Bank Credit Card will be determined based on various factors such as your income, credit history, and existing relationship with the bank. The bank will inform you of your approved credit limit after your application is processed.

Frequently Asked Questions

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