What is the annual fee of the Best Price Save Smart HDFC Bank Credit Card?

Rs 500 a year, before GST. It is waived if you spend Rs 50,000 in a year.

What is the forex markup on the Best Price Save Smart HDFC Bank Credit Card?

3.5% of each foreign-currency transaction, before GST.

Which spends earn no rewards on the Best Price Save Smart HDFC Bank Credit Card?

No Reward Points or CashPoints on rent, from 1 Jan 2023 (MITC)

M16S / HDFC Bank / Best Price Save Smart HDFC Bank Credit Card

entry · business, cobrand, cashback

Best Price Save Smart HDFC Bank Credit Card

HDFC Bank · with Best PriceLast checked 31 Oct 2026closed to new applicants

The Best Price Save Smart HDFC Bank Credit Card costs Rs 500 a year, waived if you spend Rs 50,000 in a year. Its base return is 0.5% (0.5% cashback on retail purchases (per Rs 150 spent)). Accelerated earn: 1% cashback on Best Price spends up to Rs 10,000 per month. The forex markup is 3.5%. Read from the issuer's own documents on 31 Oct 2026.

Annual fee: Rs 500+ GST
Fee waived at: Rs 50,000annual spend
Base return: 0.5%
Forex markup: 3.5%
Interest: 3.75%a month

Fees

Joining fee	Rs 500
Annual fee	Rs 500
Annual spend that waives the fee	Rs 50,000
Fee notes	Joining/renewal fee Rs 500 + taxes; first-year fee waived on Rs 20,000 spend in the first 90 days; renewal fee waived on Rs 50,000 annual spend.

Rewards

Welcome benefit	Rs 150 cashback on 4 or more purchases within the first 90 days (min cart Rs 150)
Reward currency	Cashback
Base earn	0.5% cashback on retail purchases (per Rs 150 spent)
Base return	0.5%
Point value	Cashback at face value
Accelerated earn	1% cashback on Best Price spends up to Rs 10,000 per month
Caps	1% Best Price tier applies up to Rs 10,000 per month (page wording does not say whether this limits spend or cashback)
Spends that earn nothing	No Reward Points or CashPoints on rent, from 1 Jan 2023 (MITC)
Milestone benefits	Rs 500 cashback on Rs 75,000 spend in a calendar quarter. Launch offer (customers sourced till 31 Mar 2020, first year only): Rs 500 cashback on Rs 25,000 monthly spend and Rs 250 on Rs 10,000 monthly dining, utility or IRCTC spend.
Reward notes	Base return = 0.5% cashback as stated on the issuer page.

Travel and perks

Forex markup	3.5%
Fuel surcharge waiver	1% on txns of Rs 400 and above, cap Rs 250 per statement cycle
Other freebies	20% off dining via Dineout Pay (max Rs 1,000 per transaction and per month); up to 50 interest-free days; EasyEMI offers on furniture and electronics brands

Charges and eligibility

Interest per month	3.75%
Eligibility	Closed to new applicants; designed for Best Price members
Fine-print notes	Legacy business co-brand with Best Price wholesale stores: 'Sourcing of this Credit Card has been stopped.' All fields from the HDFC product page read 2026-10-12. Page FAQ quotes a maximum interest rate of 3.6% a month; the bank's current MITC rate recorded on other entries is 3.75%, so treat it as possibly stale. Forex markup and networks are not on the page.

Questions

What is the annual fee of the Best Price Save Smart HDFC Bank Credit Card?: Rs 500 a year, before GST. It is waived if you spend Rs 50,000 in a year.
What is the forex markup on the Best Price Save Smart HDFC Bank Credit Card?: 3.5% of each foreign-currency transaction, before GST.
Which spends earn no rewards on the Best Price Save Smart HDFC Bank Credit Card?: No Reward Points or CashPoints on rent, from 1 Jan 2023 (MITC)