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Premium Card Series
HDFC Bank Bharat Credit Card
HDFC Bank launched HDFC Bank Bharat Credit Card with exciting and exclusive deals and features. It’s a cashback credit card that provides you with 5%
Security
Advanced protection for all transactions
Instant
Immediate digital card access
Rs. 500 + GST
Joining Fee
Rs. 500 + GST
Renewal Fee
24/7
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Meet HDFC Bank Bharat Credit Card
HDFC Bank launched HDFC Bank Bharat Credit Card with exciting and exclusive deals and features. It’s a cashback credit card that provides you with 5% monthly cashback on various selected merchant categories like mobile recharges, bill payments, and groceries. Apart from these categories, you can also save on fuel by experiencing 5% monthly cashback and 1% fuel surcharge waiver. 5% monthly cashback on railway ticket booked if booked through IRCTC. This card comes with a joining fee of Rs. 500 plus applicable taxes. Read on to more about the HDFC Bank Bharat Credit Card’s offerings.
HDFC Bank Bharat Credit Card MEMBERSHIP
JOINING FEERs. 500 + GST
Detailed Card Information
Everything You Need to Know
Discover the comprehensive benefits and features that make HDFC Bank Bharat Credit Card the perfect choice for those who demand excellence.
Spend- Based Waiver
Renewal fee waived off on spending Rs. 20,000 in previous year
Rewards Redemption Fee
Rs. 99
Foreign Currency Markup
3.5% on the conversion amount
Interest Rates
3.6% p.m. (43.2% p.a.)
Fuel Surcharge
1% fuel surcharge waiver on minimum transaction of Rs. 400. The waiver is capped at Rs. 250 per billing cycle
Cash Advance Charges
2.5% or Rs. 500 whichever is higher
Movie & Dining
NA
Rewards Rate
5% cashback every month on spending towards bill payments, and mobile recharge, fuel and railway tickets booked through IRCTC. 5% cashback every month while paying through PayZapp/EasyEMI/SmartBuy.
Reward Redemption
The reward points can be redeemed as cash back at the request of the cardholder. 1 Reward Point = Re. 1
Travel
You get 5% cashback on booking railway tickets through IRCTC.
Domestic Lounge Access
NA
International Lounge Access
NA
Golf
NA
Insurance Benefits
Accidental death cover of up to Rs. 50 Lakhs
5% Cashback on Category A
Enjoy more value from your daily transactions with our 5% monthly cashback on Category A transactions. This includes fuel expenses, ticket bookings through IRCTC, groceries, bill payments, and mobile recharges. Each time you use your credit card for these transactions, you automatically earn back 5% of the amount spent. This cashback is a direct reward for your loyalty and usage and enables you to save more on your routine expenses every month. Please note, cashback is credited to your account at the end of each billing cycle and is subject to terms and conditions.
5% Cashback on Category B
Our credit card offers a fantastic 5% monthly cashback on Category B transactions. This includes payments made through PayZapp, EasyEMI or SmartBUY. This feature encourages digital transactions and makes your online shopping, bill payments, and EMI payments more rewarding. With every transaction made through these platforms, you get rewarded with 5% of the transaction amount as cashback. The cashback is credited to your account at the end of the billing cycle and can be used for future transactions, thereby resulting in significant savings over time. Terms and conditions apply.
Cashback as Reward Points
With our credit card, your cashback does not just come back as cash, it comes back as reward points. This means that every time you earn cashback, it will be retained as reward points in your account. These points can be accumulated and redeemed on a wide array of products, services, and discounts. This unique feature allows you to choose your reward and gives you the freedom to use your points in a way that suits your preferences and needs. It also encourages more credit card usage, as more transactions lead to more reward points.
50 Days Interest-Free Period
One of the best features of our credit card is the 50 days interest-free period. This essentially means that you can make purchases on credit and pay back the amount within 50 days without attracting any interest. This feature is particularly beneficial for managing cash flow. It allows you to make necessary purchases immediately without waiting for your paycheck to come in. The 50-day interest-free period begins from the date of the purchase and not from the date of the billing cycle, affording you maximum flexibility and convenience in repayment. Note that this feature is applicable only if the full outstanding amount is paid.
Why Choose HDFC Bank Bharat Credit Card
Banking Reimagined for the Digital Age
Experience a new standard in premium banking with features designed for the modern professional. Welcome to the future of financial excellence.
5% Cashback on Category A
Enjoy more value from your daily transactions with our 5% monthly cashback on Category A transactions. This includes fuel expenses, ticket bookings through IRCTC, groceries, bill payments, and mobile recharges. Each time you use your credit card for these transactions, you automatically earn back 5% of the amount spent. This cashback is a direct reward for your loyalty and usage and enables you to save more on your routine expenses every month. Please note, cashback is credited to your account at the end of each billing cycle and is subject to terms and conditions.
5% Cashback on Category B
Our credit card offers a fantastic 5% monthly cashback on Category B transactions. This includes payments made through PayZapp, EasyEMI or SmartBUY. This feature encourages digital transactions and makes your online shopping, bill payments, and EMI payments more rewarding. With every transaction made through these platforms, you get rewarded with 5% of the transaction amount as cashback. The cashback is credited to your account at the end of the billing cycle and can be used for future transactions, thereby resulting in significant savings over time. Terms and conditions apply.
Cashback as Reward Points
With our credit card, your cashback does not just come back as cash, it comes back as reward points. This means that every time you earn cashback, it will be retained as reward points in your account. These points can be accumulated and redeemed on a wide array of products, services, and discounts. This unique feature allows you to choose your reward and gives you the freedom to use your points in a way that suits your preferences and needs. It also encourages more credit card usage, as more transactions lead to more reward points.
50 Days Interest-Free Period
One of the best features of our credit card is the 50 days interest-free period. This essentially means that you can make purchases on credit and pay back the amount within 50 days without attracting any interest. This feature is particularly beneficial for managing cash flow. It allows you to make necessary purchases immediately without waiting for your paycheck to come in. The 50-day interest-free period begins from the date of the purchase and not from the date of the billing cycle, affording you maximum flexibility and convenience in repayment. Note that this feature is applicable only if the full outstanding amount is paid.
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