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HDFC Bank Flipkart Wholesale Credit Card
HDFC Flipkart Wholesale is a no-joining-fee co-brand card built for Flipkart Wholesale sellers and B2B/kirana buyers — it earns 5% cashback on both wholesale purchases and utility bill payments, with a comparatively low 2% forex markup that's unusual for an entry-tier card. The monthly reward caps are modest relative to what larger wholesale sellers might spend, but the zero joining fee makes it low-risk to try.
Annual fee
₹499
Joining fee
₹0
Reward type
cashback
Base reward rate
1%
Card network
Visa
Card tier
Entry
Who this card fits
Best suited to business owners managing company spend with a credit score of roughly 700+ whose spend is concentrated in online shopping, utilities. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 1% base rate
Benefits by category
- 🛍️ Shopping
5% reward rate (capped ₹2,000/monthly)
- 🧾 Utilities
5% reward rate (capped ₹250/monthly)
- ⛽ Fuel
1% fuel surcharge waiver on eligible fuel transactions, capped at ₹250 per statement cycle
- 🌍 Forex / international spend
2% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹50,000
- Employment: self-employed
- Age: 21–65
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹3,00,000
- Rewards redemption fee: Cashback is auto-credited as statement credit at no charge
- Foreign currency markup: 2%
- Interest rate: 41.88% p.a.
- Fuel surcharge waiver: 1% fuel surcharge waived on eligible fuel transactions, capped at ₹250 per statement cycle
- Cash advance charges: 2.5% of the withdrawn amount or ₹500, whichever is higher; interest accrues from the date of withdrawal with no interest-free period
Benefits
- 1% fuel surcharge waiver on eligible fuel transactions, capped at ₹250 per statement cycle
- Zero lost-card liability once the loss is reported to the bank, protecting the business owner from fraudulent charges after that point
Pros
- + Zero joining fee lowers the barrier for small B2B sellers and kirana store owners to try the card
- + 5% cashback on both Flipkart Wholesale purchases and utility bill payments
- + Low 2% forex markup, better than most cards at this fee tier
- + Zero lost-card liability once loss is reported adds fraud protection
- + Annual fee waiver achievable at ₹3 lakh of yearly spend for active sellers
Cons
- − Cashback cap on wholesale spend (₹2,000/month) is modest for larger-volume sellers
- − General, non-bonus spend earns only the 1% base rate
- − Utility bill cashback caps out quickly at ₹250/month