HDFC Best Price Save Smart Credit Card

Last Updated : Nov. 23, 2023, 10:58 a.m.

HDFC has come up with an exciting credit card. If you want to earn a lot of cashback and discounts then HDFC Best Price Save Smart Credit card would be the best option. You can get this credit card at an annual fee of ₹500 excluding applicable taxes. There are a lot more features in this credit card that will enable you to save some extra bucks. Let’s move on to the salient features of this card.

Features of HDFC Best Price Save Smart Credit Card

Cashback Offers

• Spend up to ₹10,000 in a month on Best Price Stores and get a cashback of 1%.
• Get 0.5% cashback on all the retail transaction with a maximum of ₹150 in a month.

Terms and Conditions

• The minimum transaction must be of ₹150.
• All the cashback will be collected in cash points redeemable at ₹1 per cash point.

Milestone Bonuses

This cashback offer gives you Rs.150 if you make four or more purchases at Best Price within the first 90 days of setting up your card. Each purchase must have a minimum value of Rs.150. You can also earn a cashback of Rs.500 if you spend Rs.75,000 or more in a calendar quarter.

Sure, here is a section explaining the Renewal Offer and Contactless Payment for the Best Price Save Smart Credit Card, with examples wherever necessary:

Renewal Offer

• Spend ₹20,000 & above in the first 90 days and get first year memebership fee waived off.
• Spend Rs. 50,000 in 12 Months and get Renewal Fee waived for next renewal year.

Contactless Payment

• Spend ₹20,000 & above in the first 90 days and get first year memebership fee waived off.
• Spend Rs. 50,000 in 12 Months and get Renewal Fee waived for next renewal year.

Exclusive EASYEMI Offers for Business Credit Cards

• No need to block your capital when EasyEMI for SMEs is here!
• Buy interiors, furnitures, electronics, ACs and more in bulk with No Cost EMI offer on brands such as –
  • Damro
  • Dash Square
  • Durian Industries
  • EVOK
  • Furniturewalla
  • Godrej Interior
  • Royal Oak
  • Stanley
  • The Maark Trendz
  • Kelvinator
  • Blue Star
  • Reliance Digital
• This means that you can use your Best Price Save Smart Credit Card to make large purchases without having to block your capital. For example, you could buy furniture for your business and pay for it in installments over time.

Other Prominent Benefits of Best Price Save Smart Credit Card

Fuel Surcharge Waive off

You can easily get a discount of 1% on Fuel Surcharge. But you have to do a minimum transaction of ₹400 from your HDFC Credit Card . The Maximum cashback is ₹250 per statement cycle.

Launch Offer

The Launch Offer provides cardholders with the following benefits:

• Assured Rs.500 CashBack on spends of Rs.25,000 every month: This means that you will earn Rs.500 in cashback every month simply by spending Rs.25,000 or more on your card. There is no minimum spend requirement to activate this offer.
• Enjoy flat Rs.250 CashBack on spends of Rs.10,000 per month on dining, utility or IRCTC only: This means that you will earn Rs.250 in cashback every month simply by spending Rs.10,000 or more on dining, utility, or IRCTC transactions. This offer is valid for the first year from the card set up date.

Please note that this offer is valid for customers sourced till March 31, 2020. All customers are eligible for this offer for one year from the card set up date. The identification of IRCTC, Utility, and Dining spends is based on MCCs (Merchant Category Codes) allotted by Networks.

Dining Benefit

The Dining Benefit provides cardholders with the following benefits:

• Get up to 20% savings for payments via Dineout Pay with Best Price Save Smart Credit Card: This means that you can save up to 20% on your dining bills when you pay with your Best Price Save Smart Credit Card via Dineout Pay.
• Maximum discount per transaction capped at Rs.1000: This means that the maximum discount you can receive on any single transaction is Rs.1000.
• Maximum discount per month capped at Rs.1000: This means that the maximum discount you can receive in any single month is Rs.1000.

Please note that this offer is subject to terms and conditions. Please visit the Dineout website for more information.

Eligibility Criteria and Fee of the Best Price Save Smart Credit Card

Before applying for the credit card, you must check the yearly fee of the card. You must also through the criteria that make you eligible to apply for the credit card .

Fee of the Credit Card

Late Payment Charges

HDFC Best Price Save Smart Credit Card Eligibility Criteria

• For Self Employed Customer only.
• The minimum age for taking the credit card is 21 Years.
• The maximum age limit for taking the card is 65 Years.

Cash Point Calculation

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

Terms and Conditions

• 1 CashPoint is equal to 1 Rupee.
• The minimum CashPoint that can be redeemed is 500 CashPoints.
• After 24 months from the date of CashPoint Accumulation, the un-redeemed CashPoint will expire.

Steps to Redeem CashPoints

• Open the HDFC Net Banking and Log in.
• Go to the Cards section and Click on Enquire.
• Click on Redeem Reward Points and then on Cash Redemption.

HDFC Best Price Save Smart Credit Card Payment Options

There are six types of payment options through which you can clear your HDFC credit card bill. These options will help you to make HDFC Credit Card Online Payment .

• Pay through HDFC Mobile Banking App.
• Use the HDFC Net Banking Facility to clear the credit card bill.
• You can also use the facility of ATM Fund Transfer.
• Make Bill Payments through Cash and Cheque.
• Enable the Auto-Pay facility from HDFC bank.
• Pay the HDFC Credit Card bill through Billdesk using another bank account.