HDFC Bank Best Price Save Max Credit Card Review

The HDFC best price save max credit card is a co-branded business credit card designed with the alliance of Best Price and powered by the Diners Club network. Best Price is a wholesale company that is currently operated by another online e-commerce company named Flipkart.

This best price hdfc credit card is best for offering exclusive benefits for personal and business-related uses. Like most of the HDFC bank credit cards you can earn reward points from this card, apart from that, this hdfc credit card offers free lounge access, fuel surcharge waiver, lost card liability coverage, no-cost hdfc credit card emi option ,  Insurance coverage, and a lot of other useful hdfc bank credit card features

Hdfc bank credit card apply eligibility criteria:

**This card is only available for the self-employed Best Price members. 

  • Nationality: Indian.
  • Age: The age of the applicant should be between 21 to 65 years.
  • Income: Annual Income Tax Return should be greater than Rs. 10 lakh. 
  • The applicant must hold a Best Price membership. 
  • A long relationship with the bank may help you to get this card.
  • An excellent credit score (above 770) is needed to apply for a hdfc credit card

If you don’t know; how to apply credit card in hdfc bank? then feel free to visit our FAQ page to know the complete process.

Hdfc credit card documents required for application:

  • 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 credit card application is submitted successfully, you can check your hdfc bank credit card application status from the hdfc bank credit card tracking page. 

HDFC best price save max credit card fees:

  • Joining Fee: Rs. 1000 + GST
  • Annual Fee: Rs. 1000 + GST


Details about hdfc credit card benefits are discussed below. 

  • Reward point on every transaction:

If you want to earn reward points then this offer is just for you. On every Rs. 150 spent with this card you can earn reward points, the hdfc bank credit card reward point scheme is discussed in the table below. 

Category Total benefit
Spends made at Best Price. 6 Reward points.
Utility, dining, or IRCTC ticket bookings. 4 Reward points.
Every other retail transaction made with this card. 2 Reward points.

The minimum eligible transaction for earning reward points is Rs. 150 and 1 hdfc credit card reward points value in rupees is Rs. 0.30. You can check the hdfc bank credit card status of total earned reward points from your online banking account.  

You can redeem hdfc diners credit card points for hotel/flight booking or you can convert them into cash. You can also use the hdfc credit card rewards to get a product from the hdfc credit card points redemption catalogue

  • Free access to airport lounges:

Using this card you can get free access to over 700 airport lounges across the globe. You will get a maximum of 8 free accesses per year. Click here for the hdfc credit card lounge access list.

  • Exclusive hdfc credit card dining offers:

If you want to make your evening special then use this hdfc diners credit card to pay your dining bills and you will get up to a 20% discount on your dining bill. This hdfc credit card offer is applicable when the dining bill is paid using the Dineout pay app. Also if your card is linked with the Dineout app, you will get an additional 5% discount. 

If you can spend Rs. 75,000 with your hdfc best price credit card within a quarter, then you can apply for the Dineout membership, this membership offers some premium benefits on dining like exclusive deals on buffets, up to 25% discount on your dining bills, and priority access to some VIP events like Gourmet Licious, etc. Click here for the detailed hdfc credit card terms and conditions

  • Freedom from credit card fuel surcharge:

If you use this best price save max credit card to purchase fuel, you will get a 1% waiver on credit card surcharge on fuel purchase, this offer is applicable at all fuel stations in India. The minimum applicable credit card transaction amount is Rs. 400 and you can get a maximum waiver of Rs. 250 in a credit cycle.

  • Accidental Insurance coverage:

hdfc bank credit card offers accidental Insurance coverage on this card. The HDFC credit card insurance coverage details are given in the table below. 

Particulars Total coverage amount
Air accidental deaths. Rs. 50 lakh.
Overseas hospitalization coverage protection. Rs. 10 lakh.
Delayed flight coverage (For the primary cardholder only). Rs. 25,000.
International flight missing (For the primary cardholder only). Rs. 25,000.

You can also update your nominee details from here. 

  • Opportunity to make your hdfc credit card life time free:

If you can spend Rs. 75,000 with your hdfc best price credit card in a year, you will get a complete waiver on the next year’s annual fee. That means if you can continue to spend Rs. 75,000 with your card every year you can make your hdfc credit card free for lifetime

If you can’t use your new credit card for online transactions, that means the online transaction is turned off on your HDFC credit card, you can visit our FAQ page for the hdfc credit card online transaction activation process. 

  • Extra benefits on milestone spend:

IF you can make 4 or more shopping payments at Best Price using your card within the first 90 days of the activation of hdfc credit card , you will get 800 hdfc credit card points Also, if you can spend Rs. 1,50,000 or more on shopping within a quarter, you will get 3300 bonus points. 

You can also get your hdfc credit card first year membership fee waived off, just spend Rs. 30,000 or more with your card within the first 90 days of card activation and you will get a full waiver on your first year joining fee. 

Credit card companies always update their benefits. So subscribe to our email notification service to get the latest hdfc credit card news and updates. 

  • Lost card liability coverage:

On this card, HDFC Bank offers coverage against lost or stolen cards. That means, if your card ever gets stolen, you just have to report the loss to the hdfc credit card help line number , and you will no longer be liable for anything bad that may happen to your card.You can also block your credit card using your mobile, you can also visit our FAQ page to know how to block hdfc credit card by call

  • Automatic bill payment facility:

If you register your hdfc best price credit card to the automatic bill payment facility (SmartPay), your utility bills will be paid automatically within the due date. You can control the SmartPay option from your hdfc bank credit card app . If you want to stop the auto-debit option, then click here to know; how to stop hdfc credit card auto-pay. 

  • No cost emi options on hdfc credit card:

You can now purchase your business essentials in bulk, Because with this card you will get no-cost EMI on top brands like – Darmo, Durian Industries, EVOK, Furniturewalla, Dash Square, Royal Oak, Stanley, The Mark Trendz, Kelvinator, Blue Star, etc. Click here for the latest deals and offers.

You can calculate the applicable credit card emi interest rate from the hdfc credit card emi calculator . If you don’t know how to convert hdfc credit card bill into emi then feel free to visit our FAQ page

  • The advanced contactless payment option:

HDFC bank has equipped this credit card with contactless payment facility; it allows you to make payments with just a wave at any secure reader machine. This credit card contactless payment method is convenient and it is also helpful in preventing credit card misplacements. You can control the contactless payment option from the mobile app for hdfc bank credit card . Using the app you can also set a hdfc bank credit card limit for contactless transactions. 

List of charges of credit card:

Particulars Payable amount
hdfc cash advance fee . 2.5% against the transaction amount, min Rs. 500. Check your hdfc credit card limit before making a withdrawal.
Finance Charges. The hdfc credit card interest rate is 3.49% monthly or 41.88% annually.
Foreign currency conversion charge. 3.5% against the transaction amount.
Add-on card fee. Free for a lifetime.

 Hdfc credit card contact details:

  • Call the hdfc credit card toll free number: 1800-266-4332 (Toll Free) or 022-616-6161
  • Write to the hdfc credit card customer care mail id : 

If you don’t want to use your credit card anymore, then you can close hdfc credit card account very easily, you can visit our FAQ page to know; how to close hdfc credit card permanently

100xGain Ratings:


Final Opinion:

If you are looking for a credit card that can handle both your personal and business transactions, then this hdfc best price credit card will be a good option for you. It is a good credit card for earning reward points and getting free access to domestic and international lounges. Also, with the fuel surcharge waiver, free insurance coverage, no-cost hdfc credit card easy emi option, it proves to be one of the best business credit cards available in India. 

But the diners Club network has some acceptance issues, and you should keep this in mind before applying for this card. 

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