{
  "id": "hdfc-flipkart-wholesale-credit-card",
  "locale": "en",
  "name": "HDFC Flipkart Wholesale Credit Card",
  "bank": "HDFC Bank",
  "cardType": "shopping",
  "cardTier": "entry",
  "annualFee": "₹0 (100% Lifetime Free)",
  "loungeAccess": "No lounge access",
  "rewardsRate": "5% on Flipkart Wholesale (B2B) · 1.5% Other Spends · Lifetime Free",
  "bestFor": "Kirana store owners, retailers, wholesale merchandise procurement on Flipkart Wholesale & B2B business savings",
  "officialLink": "https://www.hdfc.bank.in/business-credit-cards/flipkart-wholesale-credit-card",
  "aiVerdict": {
    "score": 4.6,
    "summary": "Its modest reward rate and lifetime-free pricing offset the lack of lounge access.",
    "tradeOffs": [
      "Modest reward rate relative to the market's best cashback cards",
      "No extracted lounge benefit"
    ],
    "confidence": 1
  },
  "rewardRatePercent": 1.5,
  "affiliateId": "hdfc-flipkart-wholesale-credit-card",
  "dataQuality": "PARTIAL",
  "legacyDataQuality": "LIVE_VERIFIED",
  "evidence": {
    "version": 4,
    "asOf": "2026-10-16",
    "dataQuality": "PARTIAL",
    "verifiedAt": null,
    "unresolvedItems": [
      "fees.joining",
      "fees.annual",
      "fees.taxes",
      "fees.waiver",
      "fees.waiverEligibleSpend",
      "fees.waiverExclusions",
      "rewards.base",
      "rewards.accelerated",
      "rewards.channels",
      "rewards.caps",
      "rewards.capPeriods",
      "rewards.sharedLimits",
      "rewards.exclusions",
      "lounge.domestic",
      "lounge.international",
      "lounge.qualifyingSpend",
      "lounge.qualifyingPeriod",
      "lounge.guests",
      "lounge.issuerNetwork",
      "redemption.value",
      "redemption.minimum",
      "redemption.charges",
      "redemption.expiry",
      "redemption.transfers",
      "redemption.restrictions",
      "eligibility",
      "availability",
      "effectiveDates"
    ],
    "calculation": {
      "status": "unavailable",
      "reason": "Claim-level evidence review incomplete"
    }
  },
  "sources": [
    "HDFC Bank — Flipkart Wholesale B2B card schedule of charges",
    "Flipkart Wholesale merchant cashback program guidelines"
  ],
  "feeWaiver": "Lifetime Free with zero conditions",
  "networks": [
    "Visa",
    "Diners Club"
  ],
  "quickFacts": [
    {
      "key": "Flipkart Wholesale",
      "value": "5% Direct Cashback"
    },
    {
      "key": "General Business",
      "value": "1.5% Valueback"
    },
    {
      "key": "Fuel Waiver",
      "value": "1% Surcharge Waiver"
    },
    {
      "key": "Annual Fee",
      "value": "₹0 (100% Lifetime Free)"
    },
    {
      "key": "Credit Limit",
      "value": "Higher B2B Revolving Limits"
    },
    {
      "key": "Redemption",
      "value": "Auto-credited Statement Cashback"
    }
  ],
  "earnRates": [
    {
      "category": "Flipkart Wholesale App & Outlets",
      "rate": "5.0% Direct Cashback",
      "monthlyCap": "₹5,000 / mo",
      "perLakhSpent": "₹5,000 Cashback"
    },
    {
      "category": "All Other Domestic Spends",
      "rate": "1.5% Valueback",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "₹1,500 Value"
    },
    {
      "category": "Fuel & Rent",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "₹0"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "Flipkart Wholesale Orders",
      "multiplier": "5.0%",
      "rate": "5% Direct",
      "monthlyCap": "₹5,000 / mo",
      "dailyCap": "—",
      "note": "On B2B inventory restocks."
    },
    {
      "channel": "Other Retail Spends",
      "multiplier": "1.5%",
      "rate": "1.5% Direct",
      "monthlyCap": "Uncapped",
      "dailyCap": "—",
      "note": "On business utilities & retail."
    },
    {
      "channel": "Annual Fee",
      "multiplier": "100%",
      "rate": "Lifetime Free",
      "monthlyCap": "—",
      "dailyCap": "—",
      "note": "Zero annual charges."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "Statement Cash Credit",
      "value": "100% Direct Parity (₹1 = ₹1)",
      "minPoints": "Automatic (₹0 min)",
      "ceiling": "None",
      "fee": "Nil (100% Free)",
      "isBest": true
    }
  ],
  "exclusions": [
    "Rent payments.",
    "Fuel purchases (1% surcharge waiver on ₹400–₹4,000).",
    "Wallet load transactions."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹0 (100% Lifetime Free)"
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹0 (Lifetime Free Forever)"
    },
    {
      "item": "Forex Markup",
      "value": "3.5% + GST"
    },
    {
      "item": "Finance Charges",
      "value": "3.49% / month (41.88% / year)",
      "warn": true
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Business Type",
      "requirement": "Registered Business, Kirana, Retailer, Trader with GST/Udyam/Trade License"
    },
    {
      "criteria": "Age",
      "requirement": "21–65 years"
    },
    {
      "criteria": "Annual Business Turnover",
      "requirement": "Turnover above ₹10 Lakhs per annum"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}