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.
Credit Card
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To,TransUnion CIBIL Limited[Formerly known as Credit Information Bureau (India) Limited]One Indiabulls building ,Unit No 1901 – 1905,19th Floor, Tower 2A-2B, Jupiter Mill compound,Senapati Bapat Marg, Lower Parel, Mumbai 400 013
Sub: Grant of Consent
Dear Sirs,
In connection with submission of the application for my credit information offered by CIBIL (“Consumer Credit Information”) through Wishfin and delivery of the Consumer Credit Information to the Company, I hereby acknowledge and agree to the following:
- The Company is my lawfully appointed agent and he / it has agreed to be my agent for the purposes, including, without limitation, to receive the Consumer Credit Information from TUCL on my behalf and use it in the manner consistent with the Agreement entered into between the Company and TUCL, and the Company has granted its consent for being appointed for the aforesaid purpose.
- I grant my unconditional consent to the Company to receive the Consumer Credit Information from TUCL on my behalf and use it in the manner consistent with the consistent with the Agreement entered into between the Company and TUCL, as the case may be, and the Company has granted its consent for being appointed for the aforesaid purpose. I hereby represent and acknowledge that: (a) I have carefully read the terms and conditions of the Agreement entered into between the Company and TUCL understood the same; or (b) the Terms of Understanding in relation to the use of the Consumer Credit Information has been agreed between me and the Company.
- I hereby expressly grant unconditional consent to, and direct, TUCL to deliver and / or transfer my Consumer Credit Information to the Company on my behalf.
- I shall not hold TUCL responsible or liable for any loss, claim, liability, or damage of any kind resulting from, arising out of, or in any way related to: (a) delivery of my Consumer Credit Information to the Company ; (b) any use, modification or disclosure by the Company of the contents, in whole or in part, of my Consumer Credit Information , whether authorized or not; (c) any breach of confidentiality or privacy in relation to delivery of my Consumer Credit Information to the Company ; (d) for any use made by the Company which is contrary to the Agreement entered into between the Company and TUCL.
- I acknowledge and accept that: (a) TUCL has not made any promises or representations to me in order to induce me to provide my Consumer Credit Information or seek any consent or authorization in this regard; and (b) the implementation of the Agreement between TUCL and the Company is solely the responsibility of the Company
- I agree that I may be required to record my consent / provide instructions electronically and in all such cases I understand that by clicking on the "I Accept" button below, I am providing "written instructions" to Wishfin authorizing Wishfin to obtain my Consumer Credit Information from my personal credit profile from TransUnion CIBIL LIMITED, [formerly known as Credit Information Bureau (India) Limited]]. I further authorize Wishfin to obtain such information solely to confirm my identity and display my Consumer Credit Information to me. Further in all such cases “By checking this box and clicking on the ‘Authorize button, I agree to the terms and conditions, acknowledge receipt of TUCL privacy policy and agree to its terms, and confirm my authorization for Wishfin to obtain my Consumer Credit Information .
- I understand that in order to deliver the product to me, I hereby authorize Wishfin, to obtain my Consumer Credit Information from TUCL.
- By submitting this registration form, I understand that I am providing express written instructions for Wishfin to request and receive information about me from third parties, including but not limited to a copy of my consumer credit report and score from consumer reporting agencies, at any time for so long as I have an active Wishfin account. I further authorize Wishfin to retain a copy of my information for use in accordance with [Wishfin’s] Terms of Use and Privacy Policy.
- I UNDERSTAND THAT THE PRODUCT IS PROVIDED ON AN “AS-IS”, “AS AVAILABLE” BASIS AND TUCL EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
- I shall not sue or otherwise make or present any demand or claim, and I irrevocably, unconditionally and entirely release, waive and forever discharge TUCL , its officers, directors, employees, agents, licensees, affiliates, successors and assigns, jointly and individually (hereinafter “Releasee”), from any and all manner of liabilities, claims, demands, losses, claims, suits, costs and expenses (including court costs and reasonable attorney fees) (“Losses”), whatsoever, in law or equity, whether known or unknown, which I ever had, now have, or in the future may have against the Releasee with respect to the submission of my Consumer Credit Information and / or my decision to provide TUCL L with the authority to deliver my Consumer Credit Information to the Wishfin . I agree to defend, indemnify, and hold harmless the Releasee from and against any and all Losses resulting from claims made against TUCL L by third parties arising from and in connection with this letter.
- I agree that the terms of this confirmation letter shall be governed by the laws of India and shall be subject to the exclusive jurisdiction of the courts located in Mumbai in regard to any dispute arising hereof. TUCL is entitled to assign its rights hereunder to any third person without taking my prior written consent.
Yours faithfully,
Name :____________________________Address : ____________________________Date : ____________________________
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 5%.
- 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
- Spend ₹25000 or more every month and get a Cashback of ₹500.
- Get a Cashback of ₹250 on spending ₹10000 every month on dining, utility, and IRCTC transactions.
Terms and Conditions
- This offer is valid up till the 31st of May 2020.
- This offer is valid from the card setup date for one year only.
- The Network’s Merchant Category Code will identify the IRCTC, Dining, and Utility spending.
Voucher offers of the Credit Card
- Purchase 4 items at Best Price Stores within the first 90 days of card issuance and get the Best Price voucher worth ₹150.
- Spend ₹75000 in a quarter of a year and enjoy the Best Price voucher of ₹500.
Terms and Conditions
- Best Price Vouchers are redeemable at any Best Price Store.
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.
Smart Payment Technology
This is a smart technology for contactless payment. You can make fast payments with just a touch to the respective merchant. It is a safe and quick mode of payment saving your precious time.
Free Credit
HDFC Best Price Save Smart Card gives you an interest-free credit facility for up to 50 days.
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.