HDFC Flipkart Wholesale Credit Card
HDFC Bank
Last updated: Feb 03, 2026
₹499
₹0
1%
No lounge access
Contents
A cashback-focused co-branded credit card for Flipkart Wholesale members. It delivers strong cashback on Flipkart Wholesale purchases, additional cashback on utilities, and practical business features like Smart EMI and fuel surcharge waiver. Best suited for resellers and wholesale buyers who transact frequently on Flipkart Wholesale.
Features of HDFC Flipkart Wholesale Credit Card which makes it unique
SmartBuy Business Portal
Access to SmartBuy Business portal for exclusive business offers.
Offers and discounts tailored for business cardholders.
Designed for wholesale/reseller purchases
Rewards Structure of HDFC Flipkart Wholesale Credit Card
Flipkart Wholesale
acceleratedFlipkart Wholesale online and offline spends
5% cashback on eligible Flipkart Wholesale transactions (merchant IDs as defined by Flipkart Wholesale).
Telecom & Utilities
acceleratedPhone, utility, government and tax payments
Register for SmartPay where applicable.
Other Purchases
baseAll other merchants
Some categories such as rent, insurance or wallet loads may be excluded from cashback accruals.
Milestones of HDFC Flipkart Wholesale Credit Card
Activation Benefit
First 3 eligible purchases : ₹500 cashback per transaction (first 3 transactions within 90 days)
Renewal Waiver
₹3,00,000 annual spend : Annual fee waiver
Fees & Charges of HDFC Flipkart Wholesale Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | 0 |
| Annual Fee | ₹499 |
| Forex Markup Fee | 1% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹750 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 2% |
Renewal Conditions:Waived if you spend ₹3,00,000 or more in the previous year.
Fee Explanation Standard HDFC Bank fees apply; see bank T&Cs for detailed slab and effective dates.
Detailed Explanation of HDFC Flipkart Wholesale Credit Card Fees
Annual Fee: 499 (yearly)
Waived on ₹3,00,000 annual spend before renewal date.
Foreign Currency Markup: 1.0% (transaction)
Applies on international transactions.
Cash Advance Fee: 2.5% (transaction)
Minimum ₹300 per transaction.
Additional Features of HDFC Flipkart Wholesale Credit Card
Smart EMI
Convert large purchases into EMIs at checkout.
EMI conversion not eligible for cashback.
Contactless Payments
Tap-and-pay enabled where supported.
Welcome Bonus with HDFC Flipkart Wholesale Credit Card
Welcome Bonus: ₹500 cashback on first three purchases
Bonus Conditions: Minimum transaction ₹2,000 each; applicable only on Flipkart Wholesale platforms; activation benefit posted per HDFC terms.
Application Process for HDFC Flipkart Wholesale Credit Card
Processing Time
5-7 business days
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Apply online via HDFC Bank or Flipkart Wholesale portal
Upload KYC and membership documents
Receive verification call if required
Card dispatched within 5-7 business days
Required Documents for HDFC Flipkart Wholesale Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
self_employedAccepted documents:
HDFC Flipkart Wholesale Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide coverage across India
International Acceptance
Accepted globally where Visa is accepted
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for HDFC Flipkart Wholesale Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
700+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹500,000
Minimum annual income
Self-Employed Applicants
₹600,000
Minimum annual income
Who Can Apply
Important Conditions
- Flipkart Wholesale/Best Price membership required; valid PAN and Aadhaar for KYC.
How Approval Is Decided
- Minimum age 21 years
- Flipkart Wholesale membership
- ITR and income criteria as per HDFC underwriting
Pros of HDFC Flipkart Wholesale Credit Card
- Strong cashback on Flipkart Wholesale
- Low annual fee with a clear waiver threshold
- Smart EMI and business-focused portal
Cons of HDFC Flipkart Wholesale Credit Card
- Cashback caps on accelerated categories
- Targeted primarily at Flipkart Wholesale members
Frequently Asked Questions about HDFC Flipkart Wholesale Credit Card
What is the cashback rate on Flipkart Wholesale purchases?
You earn 5% cashback on eligible Flipkart Wholesale purchases, capped at ₹2,000 per month; eligibility is based on Flipkart Wholesale merchant IDs.
Is there a joining fee for this card?
No joining fee for the first year; the annual/renewal membership fee is ₹499 plus taxes.
How can I get the annual fee waived?
The annual fee is waived if you spend ₹3,00,000 or more in the previous year before your renewal date.
Are utility and tax payments eligible for cashback?
Yes — telecom, utility, government and tax payments earn 5% cashback up to ₹250 per month when eligible and registered via SmartPay.
What is the activation benefit for new cardholders?
New cardholders can get ₹500 cashback per eligible transaction on the first three purchases within 90 days (min txn ₹2,000 each) on Flipkart Wholesale.
Is Smart EMI available and does it affect cashback?
Yes, Smart EMI is available; however, cashback benefits are not applicable on transactions converted to EMI.
What is the foreign currency markup fee?
Foreign currency markup is 1% of the transaction value on international spends.
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