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

    HDFC Bharat CashBack Credit Card

    The HDFC Bharat CashBack Credit Card is exclusively designed for users who happen to drive a lot and have just begun their careers with an annual income between Rs.2 lakh and Rs.4 lakh. The credit card is an outcome of the tie-up between the HDFC Bank and the Bharat Petroleum (BP) Group.

    The benefits, features, fees, and other information of this card are mentioned below.

    Complete Details Of The HDFC Bharat CashBack Credit Card

    The card offers better benefits on fuel purchases and other day-to-day payments.It provides 5% cashback on all fuel transactions, given that they are only made at BP fuel stations. It offers an additional cashback of 5% on all the IRCTC bookings, bill payments, and mobile recharges.

    Moreover, it has a low annual fee, which can be waived off easily if you spend at least Rs.20,000 in the previous year.

    Features and Benefits of HDFC Bharat CashBack Credit Card

    • The card offers 5% cashback on fuel, IRCTC bookings, mobile recharges, and bill payments made using it. Note that the maximum cashback for a month is Rs.150.
    • It offers an additional 5% cashback on transaction made using SmartBuy and Payzapp. This can be availed via the Easy EMI facility.
    • There is no liability on the card if it is stolen/reissued/lost.
    • The cashback is retained as reward points, which can later be redeemed upon customer request.
    • The renewal fee can be waived before the renewal date if you had spent Rs.20,000 in the previous year.
    • There is a 1% fuel surcharge waiver, given that the fuel transaction is at least Rs.400. The maximum cashback will be Rs.250 for every statement cycle.
    • The card offers an interest-free period of 50 days from the date of purchase.

    Rewards of HDFC Bharat CashBack Credit Card

    There is no reward program for this credit card.

    Fees and charges of HDFC Bharat CashBack Credit Card

    Type of fee Charge
    Annual/renewal fee Rs.500. This fee is waived if you spend Rs.20,000 in a year.
    Interest-free period Up to 50 days from the date of purchase
    Interest rate 3.49% per month (41.88% per annum)
    Over-limit fee 2.5% of the over-limit amount
    Reward redemption fee Rs.99
    Cash advance fee 2.5% of the withdrawn amount
    Late payment charges Nil if the bill amount is less than Rs.100 A penalty of Rs.100 if it is from Rs.100 to Rs.500 A penalty of Rs.400 if it is from Rs.501 to Rs.5,000 A penalty of Rs.500 if it is from Rs.5,001 to Rs.10,000 A penalty of Rs.750 if the bill amount exceeds Rs.10,001
    Payment return fee 2% of the payment amount
    Cash processing fee Rs.100
    Balance transfer processing fee 2% of the balance transfer amount
    Cash advance limit 40% of the credit limit
    Call-a-draft fee 2.5% of the draft amount (minimum of Rs.300)
    FTF (Foreign Transaction Fee) 3.5% of the transaction amount
    Add-on card charges Free
    Payment return charges 2% of the payment amount, which is subject to a minimum of Rs.450
    Cheque return fee Rs.500
    The surcharge on purchases/cancellation of railway ticket IRCTC service fee + transaction charge of the respective payment gateway
    Railway ticket fee 1.8% of the actual transaction amount + GST
    Fuel benefits 5% cashback on fuel
    Fee for the outstation cheque processing Rs.25 for a cheque value up to Rs.5,000 Rs.50 for a cheque value that exceeds Rs.5,000

    Eligibility Criteria for HDFC Bharat CashBack Credit Card

    For self-employed:

    • The minimum age should be 21 years.
    • The maximum age should be 65 years.
    • The annual income should be Rs.2 lakh.

    For salaried employee:

    • The minimum age should be 21 years.
    • The maximum age should be 60 years.
    • The monthly income should be Rs.12,000.

    Required Documents for HDFC Bharat CashBack Credit Card

    • Passport-size photograph.
    • A copy of the ID proof.
    • A copy of the PAN card.
    • Copy of the salary slips for the last 6 months.
    • A copy of the address proof.
    • A copy of Form 16.

    How To Apply The HDFC Bharat Cashback Credit Card Online?

    • Step 1: Go to the official HDFC bank website.
    • Step 2: Select the menu > Products and click on Cards > Credit Cards.
    • Step 3: From the list, click the radio button ‘Cashback’.
    • Step 4: Click on ‘View Details’ link given under the Bharat Cashback Credit Card.
    • Step 5: The page redirects to a clear explanation of the credit card. You will see a button called ‘Apply Online’. Click on it.
    • Step 6: Fill the application details and click ‘Submit’.

    FAQS On The HDFC Bharat CashBack Credit Card

      Here are a few frequently asked questions, which you might want to read before applying for the card.

    • What are the advantages of using this credit card?
      • The annual fee is low.
      • There is no liability on the lost card.
      • There is an annual fee waiver.
      • You can apply for a loan against the credit card.
      • You can add three cards and they are bear no fees for life.
      • There is 5% cashback on fuel purchases at petrol pumps.
      • The cashback on fuel is not limited to Bharat Petroleum. It can be any petrol pump in India.
    • Why should you apply for this credit card?
    • You can avail this credit card if:

      • You are someone who drives a lot on a day-to-day basis.
      • You want to save on fuel transactions.
      • You are looking for cashback benefits on recharges, bill payments, and railway bookings.
      • You want fuel surcharge waivers at any petrol pump in India.
      • You are looking for a low annual charge credit card.
    • How to make the most out of the benefits?
    • Try to make as many payments as you can in the categories listed below:

      • Recharge
      • Fuel
      • Utility bills
      • IRCTC ticket reservations

      You will receive a maximum cashback of Rs.150 on these categories for a month.

    • How much money can you save on this credit card?
    • If you spend Rs.20,000 in a year, the annual fee is waived. With this, if the credit card is used correctly, you can save about Rs.2,160 every year.

    • On which petrol pumps do you get the fuel benefits?
    • You can use this credit card on any petrol pump in India. The fuel rewards apply to all the fuel stations. There are no restrictions on that.

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