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|
|EasyEMI and SmartBuy (Rs.15,000)||5%||Rs.750|
Add the 1% fuel surcharge waiver and you can save up to Rs.3,600 annually.Insurance Coverage
Make a minimum of 4 transactions worth Rs.100 each month and enjoy the following complimentary insurance coverage:
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.
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.
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.
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 bank's customer service centre.
Alternatively, you can visit your local branch to find out how you can place this request.
|Type of Charge||Amount|
|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 Individuals
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:
You can apply for this credit card on the bank's website.
All you have to do is:
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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