Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
With your HDFC Bharat Cashback Credit Card you get 5% cashback on fuel, grocery, mobile recharges, and more. This card allows you to save up to Rs.3,600. So, don't worry when you use your card because the more you spend, the more you end up saving.
With this card, you get:
Note: You will earn cashback as points which can then be redeemed as cashback.
Fuel Surcharge Waiver| Spends (Annually) | Cashback | Savings (Annually) |
|---|---|---|
| IRCTC spends (Rs.6,000) | 5% | 300 |
| Bill payments/recharge (Rs.12,000) | 5% | 600 |
| Fuel spends (12,000) | 5% | 600 |
| PayZapp (Rs.15,000) | 5% | Rs.750 |
| EasyEMI and SmartBuy (Rs.15,000) | 5% | Rs.750 |
| Total Savings | Rs.3,000 |
Add the 1% fuel surcharge waiver and you can save up to Rs.3,600 annually.
Insurance CoverageMake a minimum of 4 transactions worth Rs.100 each month and enjoy the following complimentary insurance coverage:
The credit limit on your card is the amount you can spend without incurring any over limit penalties.
This limit differs from person to person and will be intimated to you by the bank. The reason for the difference in credit limit is because this limit is based on a number of factors. These factors include your employment status, your credit repayment history, your current debt obligations, and your credit score.
Your Reward Points can be redeemed for cashback on request.
To know more about how you can convert the points you have earned to cashback, please contact the HDFC bank credit card customer care.
Alternatively, you can visit your local branch to find out how you can place this request.
| Type of Charge | Amount |
|---|---|
| Joining fee | Rs.500 |
| Annual fee/renewal fee | Rs.500 (reversed on spends of Rs.50,000 or more in the previous year) |
| Interest rate | 3.49% per month (41.88% p.a.) |
| Minimum repayment amount | 5% of the outstanding balance subject to a minimum of Rs.200 |
| Late payment fee |
- Less than Rs.100: Nil - Rs.101 to Rs.500: Rs.100 - Rs.501 to Rs.5,000: Rs.500 - Rs.5,001 to Rs.10,000: Rs.600 - Rs.10,001 to Rs.25,000: Rs.800 - Greater than Rs.25,000: Rs.950 |
| Cash advance limit | 40% of the credit limit |
| Cash advance fee | 2.5% of the amount withdrawn or Rs.500, whichever is higher |
| Foreign currency mark-up fee | 3.5% of the transacted amount |
| Reissue of lost or damaged card | Rs.100 |
Here are the eligibility criteria for this credit card:
Salaried IndividualsThe documents required to apply for this card will be intimated to you when you apply for the card. In general, however, here is a list of the documents you may have to provide:
You can apply for credit card on the bank's website.
No. recharges that are clubbed with mobile phone purchases or recharges done in outlets that deal with the sale of mobiles and mobile accessories will not be eligible for the 5% cashback.
No. You will receive a 5% cashback on only one of the transactions
Only purchases that are Rs.5,000 and more are eligible for this purchase protection. Moreover, items such as motor vehicle deeds, pedal cycle deeds, bills of exchange, bonds, certificates, business books, manuscripts, documents, jewellery, unsettling precious stones, promissory notes, share certificates, valuables, and items that are combustible in nature are not eligible for this insurance coverage.
To make a claim for accidental death insurance, follow these steps:
For purchase protection (for products which have been purchased in the last 180 days), follow these steps:
You get an interest-free period of up to 50 days with the HDFC Bharat Credit Card.
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