How much cashback does the Flipkart Wholesale Credit Card give?

You get 5% back on Flipkart Wholesale Online Spends, capped at ₹2,000 a month. Other eligible spends earn 1%. On ₹10,000 of spend in the top category that is ₹500 back, so about ₹6,000 a year if you hit it every month. Fuel, Wallet & Prepaid Instrument Loading/Reloading, Rent payment, Education earn nothing at all.

Which spends do not earn rewards on the Flipkart Wholesale Credit Card?

Fuel, Wallet & Prepaid Instrument Loading/Reloading, Rent payment, Education earn nothing on this card. Rent payment and Education related transactions will not earn cashback. Between them these cover a large part of a normal month, so work out your reward rate on eligible spend only, not on your total bill.

What changed on the Flipkart Wholesale Credit Card recently and is it still worth it in 2026?

Other: Niche B2B card; no devaluation notice surfaced. It costs nothing to hold, so keep it as a backup card and stop treating it as your main one if your top category no longer earns.

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Card Details

3121 6336 7345 3491

Flipkart Wholesale Credit Card

HDFCDINERS CLUB

Card Issuer

HDFC Bank

Joining Fee

Zero

Annual Fee

₹499

Reward Type

—

Card Access

Standard

Changes to this card

14 Aug 2026
Official product page updated.

Earn Points

On Flipkart Wholesale (max ₹2,000/Mo)

On Telecom, Utility, Govt & Tax (max ₹250/Mo)

On All Other Spends (max ₹25,000/Mo)

Benefits

Fuel

1% Fuel Surcharge Waiver All Stations

Shopping

1.5% Cashback All Other Online Spends

1% Cashback Offline + Wallet Reloads

Dining

15% Off at 2000+ Premium Restaurants

Lounges

Unlimited Domestic Lounge Visits/Year

What Users Are Saying

Community Feed

Dec 2025

Flipkart WholesalePOSITIVE

“Best Credit Cards for a Wholesale Business in Cosmetics &”

by r/CreditCardsIndia, Dec 2025

Flipkart WholesaleNEUTRAL

“Recommendations for credit card.”

by r/CreditCardsIndia, Jul 2025

Flipkart WholesaleNEUTRAL

“Don't buy things on Flipkart with hdfc Swiggy credit card!!”

by r/CreditCardsIndia, Nov 2025

Flipkart WholesaleNEGATIVE

“Is it worth taking HDFC millennia and closing Flipkart Axis”

by r/CreditCardsIndia, Jul 2025

Flipkart WholesaleNEUTRAL

“Which 3 HDFC credit cards should I get to fully replace Axis”

by r/IndianCreditCards, Dec 2025

Frequently Asked Questions

The Flipkart Wholesale Credit Card is a lifetime free card, so there is no joining fee and no renewal fee to recover. Everything you earn on it is net gain, which also means the only thing worth watching is the reward caps and the excluded categories. Check that the card still has no fee on your welcome letter, because HDFC Bank prices some variants differently.