HDFC Best Price Save Smart Credit Card Review – Best Price

HDFC Best Price Save Smart Credit Card is designed exclusively for Best Price members to get additional discounts and CashBacks on all your Business & Personal spends.

HDFC bank’s co-branded business credit card, the best price save smart credit card, is a co-branded business credit card. This card is the result of a collaboration between HDFC Bank, India’s largest credit card provider, and Best Price, a wholesale corporation. Small business entrepreneurs frequently confront funding challenges. And this card is designed to address that issue by providing quick access to credit as well as a no-cost EMI option, which is the card’s key selling point.

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This card can be used for both personal and business purposes. You will receive reward points for every transaction, as well as enticing dining bargains, a fuel fee waiver, no-cost EMI, and other hdfc bank credit card benefits. Let’s take a closer look at the advantages.

HDFC Best Price Save Smart Credit Card Features

  • Up to 50 days interest free credit period
  • 1% Cashback on all Best Price spends up to Rs 10,000 in a month. (Maximum Cashback upto Rs.100 per month)
  • 0.5% CashBack for every Rs 150 spent on all other retail purchases up to Rs 150 per month
  • *1 cashpoint = 1 Rupee
  • POS rental fee waiver on Rs 30,000 monthly spends on your credit card and monthly volume of Rs 25,000 on POS machine 

HDFC Best Price Save Smart Credit Card Additional Features

  • Utility Bill Payments : Register your Credit Card with SmartPay, HDFC Bank’s Utility Bill payment service. You can then ensure that all your utility bills are paid on time, conveniently and easily.
  • Zero Lost card liability : In the infortunate event if you lose your Best Price  Save Smart HDFC Bank credit card, report it immediately to our 24-hour call centre. After reporting the loss, you carry zero liability on any fraudulent transactions made with your card.
  • Revolving Credit : Enjoy Revolving Credit at nominal interest rate, refer Fees and Charges section.

HDFC Best Price Save Smart Credit Card Launch Offer

  • Assured Rs 500 CashBack on spends of Rs 25,000 every month
  • Enjoy flat Rs 250 CashBack on spends of Rs 10,000 per month on dining, utility or IRCTC only

(Offer valid for customers sourced till 31st Marchm, 2020
& applicable for all customers for one year from card set up date)
(Identification of IRCTC, Utility and Dining spends are based on MCCs (Merchant Category Codes) allotted by Networks)

Key Highlights of the HDFC Best Price Save Smart Credit Card

  • Get 0.5% cashback on retail expenses (up to Rs.150 in one month)
  • Receive a Rs.150 Best Price voucher on 4 purchases that you make at Best Price shops. This purchase has to be made within the first 90 days of your credit card being set up
  • When you spend a minimum of Rs.400 on fuel, get a 1% fuel surcharge waiver.

Features and Benefits of HDFC Best Price Save Smart Credit Card

Cashback Benefits

  • Get 1% cashback on your transactions at all Best Price stores (up to Rs.10,000 within a month)
  • Receive 0.5% cashback on your retail expenses (these are capped at Rs.150 within one month)

Spend-based Benefits

  • When your expenses cross Rs.20,000 within 90 days of your credit card being set up, your joining fee will be waived off

Voucher Benefits

  • Rs.150 Best Price voucher on 4 purchases made at Best Price stores within the first 90 days of your HDFC Best Price Save Smart Credit Card being set up
  • Get Rs.500 Best Price voucher when your expenses touch Rs.75,000 within one calendar quarter

Fuel Benefits

  • You will receive a 1% fuel surcharge waiver on your fuel expenses (minimum of Rs.400 expense)

Fees and Charges of the HDFC best Price Save Smart Credit Card

Type of ChargeFee
First year membership feeRs.500
Renewal FeeRs.500

HDFC Credit Card Apply Eligibility Criteria:

**This card is only available for self-employed Indians. 

  • Resident Type: Indian
  • Age: 21 to 65 years. 
  • Income: Annual Income Tax Return should be greater than Rs. 6 lakh. 
  • A long relationship with the bank will help you to get this card. 
  • An excellent credit score (above 770) is needed to apply for the best price hdfc credit card. 

You can apply for a new credit card from the hdfc credit card online application portal.

Required Documents To Apply For The Best Price save Smart Credit Card:

  • Photocopy of Address proof (any 1)
    • Last 6 months bank account Statement
    • Aadhar Card
    • Driving License
    • Passport
    • Utility bills
  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Two recent passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      • Salary Slip of last 3 months
      • ITR (Income Tax Return)
    • Self-employed person
      • Income tax return of the last year
      • Proof of business

Once your hdfc credit card application is submitted successfully, you can track the hdfc credit card approval status from the hdfc credit card status tracking page. 

HDFC Best Price Save Smart Credit Card Fee:

  • HDFC Best Price Save Smart Credit Card Joining Fee: Rs. 500 + GST
  • HDFC Best Price Save Smart Credit Card Annual Fee: Rs. 500 + GST

You can easily pay hdfc bank credit card bill online from your net banking account, but if you don’t want to make the hdfc bank credit card bill payment online, then feel free to visit our FAQ page to know; how to make hdfc credit card payment offline?

HDFC Best Price Save Smart Credit Card Benefits:

  • Attractive hdfc credit card cashback offer:

Earning cashback is very with this card, with every Rs. 150 spend with this credit card of hdfc bank, you can earn exclusive cash backs. The hdfc best price credit card cashback scheme is discussed in the table below. 

Spend categoryTotal benefit
On all Best price spend made with this card (Max Rs. 10,000 per month)1% cashback (maximum Rs. 100 monthly)
All other retail transactions are made with this card0.5% cashback. 

The cash backs are given in the form of cash points. 1 hdfc credit card point worth is equal to Rs. 1 you can use your earned points to book hotel/flight booking or you can redeem hdfc credit card points into cash. You can also use your earned points to get a product from the hdfc credit card reward catalog.

  • Premium dining experience:

 Now your evenings will be more delightful because, with this best price save smart credit card, you will get up to a 17% discount on your dining bill. To avail of this offer you just have to make your dining bill payment through the Dineout Pay app. Also, if your card is registered with the app, you will get an additional 2.5% discount. 

  • Freedom from credit card surcharge on fuel purchase:

If you use this card to purchase fuel you will get a 1% waiver on fuel surcharges. This offer on hdfc credit card is applicable at any fuel station in India, the minimum applicable transaction amount is Rs. 400 and you can earn a maximum of Rs. 250 cashback in a credit cycle.  

  • Extra benefit on milestone spending:

You can also earn some extra benefits from your hdfc business credit card. The Best price Save Smart Credit Card milestone benefit scheme is discussed in the table below. 

Total spendTotal benefit
On performing at least 4 purchases at Best Price within the first 90 days of hdfc credit card pin setupRs. 150 Cashback.
On spending Rs. 75,000 on shopping within a quarterRs. 500 Cashback.
On spending a minimum of Rs. 20,000 within the first 90 days of hdfc credit card pin setupYou will get a complete waiver on your first-year joining fee.
If the credit card monthly spending is Rs. 30,000 and if the monthly volume of your POS machine is Rs. 25,000You will get a waiver on the POS machine monthly rental fee.

You can keep track of your hdfc credit card balance from the hdfc credit card net banking app. You can also call the hdfc bank credit card toll-free number and ask the customer care executive about the information. 

  • Opportunity to make your credit card lifetime free:

If you can spend only Rs. 50,000 in a year, you will get a full waiver on your next year’s hdfc credit card annual fee. So if you want to make your card lifetime free, you just have to keep spending Rs. 75,000 every year. 

  • No-cost EMI benefit:

HDFC Bank offers a no-cost EMI option on this card. So buy your business essentials using this card and convert the hdfc credit card bill amount into EMI without paying any extra hdfc credit card emi charges . This offer on hdfc credit card is applicable to some of the top brands including Damro, Durian Industries, Dash Square, Furtinuerewalla, EVOK, Royal Oak, Godrej Interior, Stanley, Kelvinator, Reliance digital, Blue Star, etc.

Click here for the latest offers and deals. You can also calculate the applicable EMI interest rate on hdfc credit card, from the hdfc credit card smart emi calculator. 

If you don’t know; how to convert hdfc credit card bill to EMI? then feel free to visit our FAQ page to know; how to activate smart emi on hdfc credit card? 

  • Lost card liability coverage:

HDFC bank offers lost card liability coverage on this card. That means if your card ever gets stolen, you just have to report the loss by calling the hdfc bank credit card customer care contact no. Once you have reported your loss to the HDFC credit card department, you will no longer be liable for any credit card frauds that may happen to your card. 

  • Automatic bill payment option:

HDFC has an automatic bill payment option named SmartPay, if you register hdfc bank credit card with this hdfc credit card service , all your utility bills will be paid within the due dates. And you won’t need to worry about your bills and their payment dates. 

You can control the SmartPay service from the hdfc online banking credit card account. Click here to know the hdfc credit card smartpay deactivation process. 

  • Contactless payment facility:

HDFC bank has equipped this card with an advanced credit card contactless payment facility. It allows you to make hdfc credit card payment with just a wave at any secure reader machine. This feature is fast, convenient, and also helpful in preventing credit card skimming. 

For security reasons, the maximum contactless transaction amount is limited to Rs. 5000 per transaction. You can also set a daily hdfc credit card limit for contactless transactions from your net banking account.

Late Payment Charges

Outstanding BalanceCharges
Less than ₹100NIL
Between ₹100 – ₹500₹100
Between ₹501- ₹5000₹500
Between ₹5001- ₹10000₹600
Between ₹10001- ₹25000₹800
Over ₹25000₹950

HDFC Best Price Save Smart Credit Card Charges:

Particulars Payable amount
HDFC credit card cash advance credit card fee2.5% against the transaction amount, min Rs. 500.
Finance ChargesThe hdfc credit card interest charges is 3.49% monthly or 41.88% annually.
HDFC bank international credit card transaction charge2% against the transaction amount.
HDFC add on credit card feeFree for a lifetime.

As per new hdfc credit card rules, international transactions on credit cards are turned off to enhance the security of your card. If you want to know; how to enable international transactions on hdfc credit card?

Cash Point Calculation

A transaction of ₹15000 on best price and ₹10000 on retail stores.

ParticularsDetailsDetails
Spend ₹10000 on Best Price and Earn 1% Cashback1% of ₹10000100 CashPoints
Cashback of 0.5% on ₹50000.5% of ₹500025 CashPoints
Cashback of 0.5% on Retail Stores0.5% of ₹1000050 CashPoints
Accumulated CashPoints175 CashPoints

HDFC Best Price Save Smart Credit Card Helpline Contact Details:

  • Call the hdfc credit card toll free number: 1800-266-4332 (Toll Free) or 022-616-6161
  • Write to the hdfc bank credit card email address: [email protected] 

FAQs on HDFC Best Price Save Smart Credit Card

  1. What is the maximum fuel surcharge waiver can I get?
    You can get a maximum of Rs.250 as fuel surcharge waiver within a statement cycle.
  2. Are there any interest free benefits with this credit card?
    Yes, you can get up to 50 days of interest free credit on this card.
  3. Is this credit card enabled with contactless payment technology?
    Yes, the card has been enabled for contactless payments and this allows an easy, convenient and fast payment method.

CashbackBeta Opinion:

HDFC best price save smart credit card is an excellent alternative for you if you want a credit card that can handle both business and personal expenses. The best feature of this card is the no-cost EMI option, which allows you to pay for your company necessities over time without incurring any additional hdfc credit card emi fees.

However, there are certain disadvantages to this card, such as the lack of incentives for lounge access or travel booking. However, with a cost of just Rs. 500 per year, this is a good choice for small business owners.

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