Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • HDFC Bharat Credit Card

    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.

    Key Highlights of HDFC Bharat Cashback Credit Card

    • 5% cashback on groceries, fuel, IRCTC transactions, mobile recharges, and bill payments.
    • 5% cashback on SmartBuy, EasyEMI, and PayZapp spends.
    • Up to Rs.50 lakh complimentary accidental death insurance.

    Features and Benefits of the HDFC Bharat Credit Card


    With this card, you get:

    • 5% cashback on railway bookings made on the IRCTC website or mobile application.
    • 5% cashback on grocery spends.
    • 5% cashback on fuel spends.
    • 5% cashback on all bill payments and recharges made using your card.
    • 5% cashback on all EasyEMI transactions and SmartBuy transactions.

    Note: You will earn cashback as points which can then be redeemed as cashback.

    Fuel Surcharge Waiver
    • Enjoy a waiver on the 1% fuel surcharge that is applied to fuel transactions made using your card.
    • To enjoy this waiver, the transaction amount needs to be Rs.400 and the maximum cash back per statement cycle is Rs.250.
    • Save up to Rs.3,600 every year with the cashback you earn with this card. Here's a table illustrating how:
    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.

    Other HDFC Bank Credit Cards

    Insurance Coverage

    Make a minimum of 4 transactions worth Rs.100 each month and enjoy the following complimentary insurance coverage:

    • Up to Rs.50 lakh accidental death insurance.
    • Up to Rs.2 lakh purchase protection in case of loss of a product due to burglary or fire.
    Renewal Fee Waiver
    • Spend a minimum of Rs.50,000 in the year prior to your card renewal date and enjoy a waiver on the renewal fee or annual fee of Rs.500.
    Zero Lost Card Liability
    • If your card goes missing or has been stolen, notify the bank immediately by calling their customer service centre. Once this is done, you will not be held liable for any unauthorised or fraudulent transactions made using your card.

    HDFC Bank Bharat Cashback Credit Card Limit

    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.

    Reward Point Benefits

    • The Bharat Credit Card is a cashback credit card; however, you earn the cashback in the form of Reward Points.
    • You get 5% cashback on your spends in the form of points. 1 Reward Point = Rs.1.
    • The cashback you earn for railway bookings, fuel spends, groceries, and bill payments is capped at Rs.150 per month. While the cashback earned on PayZapp transactions or on SamrtBuy and EasyEMI is capped at Rs.150 per statement month.

    How to Redeem Reward Points Earned

    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.

    HDFC Bank Bharat Cashback Credit Card - Fees and Charges

    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

    Eligibility for the HDFC Bank Bharat Credit Card

    Here are the eligibility criteria for this credit card:

    Salaried Individuals
    • Age
      • Minimum 21 years.
      • Maximum 60 years.
    • Income
      • Gross monthly income greater than Rs.12,000.
    Self-employed Individuals
    • Age
      • Minimum 21 years.
      • Maximum 60 years.
    • Income
      • Income tax returns higher than Rs.2 lakh per annum.

    Documents Required

    The 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:

    • Identity-related documents: This can include your PAN card, Aadhaar card, and passport among other documents.
    • Address proof documents: This can include your passport, Aadhaar card, ration card, among others.
    • Income proof documents: These documents can include your payslip, income tax returns, Form 16, etc.

    How to Apply for the HDFC Bank Bharat Credit Card Online

    You can apply for credit card on the bank's website.

    • Navigate to the page for the HDFC Bank Bharat Credit Card.
    • Select 'Apply online'.
    • Enter the required details such as your name and contact number.
    • You will also have to provide your PAN and income details.
    • Once this is done, hit the 'Submit' button.
    • You may then receive a call or an SMS from the bank requesting for more details with regards to your application.

    FAQs on HDFC Bank Bharat Credit Card

    1. I recently bought a mobile phone and recharge combo with my credit card. Will I get the 5% cashback on mobile recharges?

      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.

    2. If I recharge my cell phone via PayZapp, will I get 5% cashback for each transaction?

      No. You will receive a 5% cashback on only one of the transactions

    3. Are all purchases made using the card eligible for fire and burglary protection?

      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.

    4. How do I make an insurance claim?

      To make a claim for accidental death insurance, follow these steps:

      • Your legal heir should intimate the bank within 30 days of the accidental death. They can do so by emailing
      • Your legal heir will then have to send the relevant documents to within 60 days from the date of loss.

      For purchase protection (for products which have been purchased in the last 180 days), follow these steps:

      • Intimate the bank within 15 days of the loss event by sending an email to
      • Submit all relevant documents to within 45 days from the date of loss of the product.
    5. What is the grace period or the interest-free period on this card?

      You get an interest-free period of up to 50 days with the HDFC Bharat Credit Card.


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