HDFC Best Price Save Smart Credit Card Review

The HDFC best price save smart credit card is a co-branded business credit card designed to be used for both personal and business-related expenses. It comes with an annual fee of just Rs.500 and lets you enjoy assured cashback on every transaction, attractive hdfc dining offers, and a no-cost EMI option which is very helpful for business owners. More about the hdfc bank credit card features are discussed below.

Who is eligible for the hdfc best price save smart credit card?

**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 credit score of 730+ 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, But if you are confused with the HDFC credit card application process, you can visit our FAQ page to know; how to apply for a hdfc credit card?

What documents are required 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:
  • 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. 

What are the best price save smart credit card fees?

• HDFC best price card joining fee: Rs.500 + GST
• HDFC credit card annual fee: Rs.500 + GST

What are the hdfc bank credit card benefits?

• Attractive hdfc credit card cashback offers:

The hdfc best price credit card cashback benefits are offered like this

Spending category	Benefit
Spends made at the best price website or stores (Max Rs.10,000 per hdfc credit card billing cycle)	1% cashback (maximum Rs. 100 monthly)
All other retail transactions	0.5% cashback

But, What is the value of 1 CashPoint in Best Price Save smart credit card in HDFC Bank? It is Rs.1, and you can use your earned hdfc bank rewards to book hotel/flight booking or you can redeem hdfc credit card points into cash. You can also use them to get a product from the hdfc credit card reward catalogue.

• Premium dining experience:

This best price save smart credit card offers you up to a 20% discount on your dining bill paid through the hdfc dineout app.     

• Get freedom from fuel surcharges:

This credit card of hdfc offers a 1% waiver on fuel surcharges across all fuel stations in India. The minimum applicable transaction amount is Rs.400 and you can earn a maximum of Rs.250 cashback in an hdfc billing cycle.  

• Extra benefit on milestone spends:

You can also earn some extra benefits from your hdfc business credit card, the details are mentioned below. 

Total spend	Total benefit
On performing at least 4 purchases at Best Price within the first 90 days of hdfc credit card pin setup	Rs.150 Cashback
Rs.75,000 on shopping within a quarter	Rs.500 Cashback
Rs. 20,000 within the first 90 days of hdfc credit card pin setup	A complete waiver on your first-year joining fee
If your credit card’s monthly spending is Rs.30,000 and if the monthly volume of your POS machine is Rs.25,000.	You 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. 

• Enjoy easy bill splitting:

Now you can buy your business essentials in bulk with your bestprice 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, Furniturewala, EVOK, Royal Oak, 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:

This bestprice card features lost card liability coverage. That means if your best price smart card ever gets stolen, you just have to report the loss by calling the hdfc bank credit card customer care contact no and you will no longer be liable for any credit card fraud that may happen to your account.

You can also temporarily block your hdfc credit card account from your online banking hdfc credit card account. You can visit our FAQ page for the complete process. 

• Instant hdfc credit card payment options:

You are allowed to pay hdfc bank credit card bill online from your hdf netbanking account or by using any credit card payment app like Cred, Paytm, Phone Pe, Google Pay, etc.

But if you don’t want to make your hdfc bank credit card bill payment online, then feel free to visit our FAQ page to know about how to make hdfc credit card payment offline?

• Contactless payment facility:

HDFC bank has equipped this best price card with an advanced credit card contactless payment facility. It allows you to make hdfc credit card payments with just a wave at any secure reader machine. 

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

What are the HDFC best price save smart credit card charges?

Particulars	Payable amount
HDFC credit card atm withdrawal charges	2.5% against the transaction amount, min Rs. 500 (Check your hdfc credit card cash withdrawal limit before making a withdrawal )
HDFC bestprice card finance charges.	The hdfc credit card interest charges is 3.49% monthly or 41.88% annually
HDFC bank international credit card transaction charge	2% against the transaction amount
HDFC add-on credit card fee	Free for a lifetime

As per new hdfc credit card rules, international transactions on hdfc new credit cards are temporarily turned off, so if you want to know, how to enable international transaction on hdfc credit card? Then feel free to visit our FAQ page. Also, if you want to know how can I avoid HDFC credit card charges? Then you can visit hdfc faq page.

How to contact the hdfc credit card helpline department?

• Call the hdfc credit card toll-free number: 1800-266-4332 / 1800-202-6161 or 022-6160-6161
• Write to the hdfc bank credit card email address: customerservices.cards@hdfcbank.com 

100xGain Ratings: 

7/10

Pros and cons of this hdfc bank wholesale card?

Pros	Cons
You can earn assured hdfc rewards from your everyday expenses. This hdfc bank card offers a huge discount on dining expenses.	There are no travel booking benefits on this hdfc smart card.

If you don’t want to continue with your old hdfc bank card, and if you are thinking; how to close my hdfc credit card account, then feel free to visit our FAQ page to know the complete process. You can download the hdfc bank credit card closure form from here.

Final Opinion:

If you want a credit card that can handle both your business-related and personal expenses, then HDFC’s best price save smart credit card will be a good option for you. The most useful feature of this bestprice card is the no-cost EMI facility which allows you to buy your business essentials in EMI without paying any extra hdfc credit card emi charges. 

But this card has some drawbacks too, it does not offer any benefits on lounge access or travel booking. But at an annual fee of Just Rs.500, this best price card will not be a bad option for small business owners. 

Alternative cards of this hdfc corporate credit card: 

1. HDFC Platinum Times Credit Card (Best for reward and dining benefits)
2. LIC Eclat Credit Card (Best for reward and lounge benefits)
3. Ola Money SBI Credit Card (Best for travel benefits)