HDFC Best Price Save Smart Credit Card
HDFC Bank
Last updated: Feb 03, 2026
₹500
₹500
2%
No lounge access
Contents
Designed for Best Price members and value-conscious shoppers, this card offers steady cashback on Best Price and retail spends. It combines milestone cashback opportunities with low joining and renewal fees. Ideal for users who shop frequently at Best Price and want straightforward rewards.
Features of HDFC Best Price Save Smart Credit Card which makes it unique
Straightforward Cashback
Simple cashback structure focused on Best Price and retail spends
Easy to track savings
Simpler than complex tiered reward programs
Rewards Structure of HDFC Best Price Save Smart Credit Card
Best Price Cashback
acceleratedBest Price purchases up to monthly cap
Designed for Best Price members; cashback credited as per issuer T&Cs
Retail Cashback
baseAll other retail merchants
Standard cashback on non-Best Price transactions
Milestone Cashback
baseAchieve defined spends in a calendar quarter or initial period
Milestone rewards credited after verification and subject to T&Cs
Milestones of HDFC Best Price Save Smart Credit Card
First 90-day Purchase Milestone
As defined by issuer : ₹150 cashback on qualifying Best Price purchases
Quarterly Milestone
Quarterly spend threshold (issuer specified) : ₹500 cashback on meeting the quarterly spend target
Fees & Charges of HDFC Best Price Save Smart Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹500 |
| Annual Fee | ₹500 |
| Forex Markup Fee | 2% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹750 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 2% |
Renewal Conditions:First-year fee may be waived on minimum first-90-day spend; renewal waiver on specified annual spends.
Fee Explanation Standard issuer fees and taxes apply for overdue amounts and specific transactions; check issuer schedule of charges.
Detailed Explanation of HDFC Best Price Save Smart Credit Card Fees
Joining/Renewal Fee: 500 (yearly)
Fee details and waiver conditions per issuer schedule
Cash Advance Fee: 2.5% (transaction)
Minimum transaction value may apply
Lounge Access Benefits with HDFC Best Price Save Smart Credit Card
domestic Lounges
silverVisits per year: 0
Guest access: No
Not typically included for this card; check issuer promotions
Insurance Coverage with HDFC Best Price Save Smart Credit Card
Purchase protection
₹50,000T&C applies; covers eligible purchases for limited period
Additional Features of HDFC Best Price Save Smart Credit Card
Contactless Payments
Tap and pay enabled
Add-on Cards
Issuer may allow add-on cards; check limits
Welcome Bonus with HDFC Best Price Save Smart Credit Card
Welcome Bonus: ₹150 cashback plus milestone cashback
Bonus Conditions: Milestone and first-year fee waiver conditions apply; see full T&C on issuer site.
Application Process for HDFC Best Price Save Smart Credit Card
Processing Time
5-7 business days
Online Application
Available
Instant Approval
Available
Step-by-Step Process
Apply online via issuer portal or bank branch
Upload KYC and income documents
Receive verification call and credit assessment
Card dispatched after approval within issuer timelines
Required Documents for HDFC Best Price Save Smart Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
HDFC Best Price Save Smart Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide coverage across India
International Acceptance
Accepted globally where network is supported
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for HDFC Best Price Save Smart Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
700+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹30,000
Minimum annual income
Self-Employed Applicants
₹40,000
Minimum annual income
Who Can Apply
Important Conditions
- Applicant must provide valid PAN and Aadhaar; HDFC Bank eligibility rules apply.
How Approval Is Decided
- Minimum income as per issuer
- Indian resident
- Credit score above minimum threshold
Pros of HDFC Best Price Save Smart Credit Card
- Direct cashback on Best Price purchases
- Low fee entry-level card
- Simple milestone rewards
Cons of HDFC Best Price Save Smart Credit Card
- Limited premium benefits (no lounge access)
- Retail cashback is modest and capped
Frequently Asked Questions about HDFC Best Price Save Smart Credit Card
Is there a joining or annual fee?
Yes. The joining/annual fee is ₹500 (plus applicable taxes); fee waiver conditions may apply for first-year or on achieving specified spends.
How does the Best Price cashback work?
You earn accelerated cashback on Best Price purchases up to the monthly cap; exact percentage and cap are set by the issuer and credited per billing cycle.
Are there milestone rewards?
Yes. The card offers milestone cashback for meeting specific spend thresholds in the defined period; terms and reward amounts are specified by the bank.
What is the forex markup on international spends?
Typical forex markup starts around 2% for HDFC cards; check the issuer schedule for precise fees for this card.
What documents are required to apply?
Valid PAN and Aadhaar (or other KYC documents), address proof, and income proof for salaried/self-employed applicants as per issuer rules.
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