HDFC Bank has introduced the HDFC Bank Bharat Credit Card, offering compelling and exclusive deals and features. This cashback credit card allows you to enjoy a 5% monthly cashback on select merchant categories, including mobile recharges, bill payments, and groceries.
Additionally, benefit from a 5% monthly cashback and a 1% fuel surcharge waiver, providing savings on fuel expenses. Moreover, avail a 5% monthly cashback on railway tickets booked through IRCTC. The card comes with a joining fee of Rs. 500 plus applicable taxes.
Table of Contents
Benefits and Features of HDFC Bank Bharat Credit Card
| Benefits and Features | HDFC Bank Bharat Card |
|---|---|
| Welcome Benefits | N/A |
| Cashback/Rewards Points | Earn 5% cashback 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 using this credit card |
| Travel Benefits | Get 5% cashback on booking railway tickets through IRCTC. |
| Dining Benefits | N/A |
| Domestic Lounge Access | N/A |
| International Lounge Access | N/A |
| Movie Benefits | N/A |
| Insurance Benefits | Accidental death cover of up to Rs. 50 Lakhs |
Benefits of the HDFC Bharat Credit Card
- 5% Cashback on Diverse Transactions:
Earn a 5% cashback on various essential categories, including groceries, fuel, IRCTC transactions, mobile recharges, and bill payments. - 5% Cashback on SmartBuy, EasyEMI, and PayZapp:
Enjoy a 5% cashback on SmartBuy, EasyEMI, and PayZapp spends, providing additional savings on your transactions. - Complimentary Accidental Death Insurance:
Receive up to Rs. 50 lakh in accidental death insurance, adding an extra layer of financial security.
Cashback Rewards:
- Railway Bookings and Grocery Spends:
Gain a 5% cashback on railway bookings made through the IRCTC platform and on grocery purchases. - Fuel and Bill Payments:
Avail a 5% cashback on fuel expenditures and all bill payments and recharges made using the credit card. - EasyEMI and SmartBuy Transactions:
Enjoy a 5% cashback on all EasyEMI and SmartBuy transactions. Accumulate cashback points that can be redeemed later.
Fuel Surcharge Waiver:
Experience a complete waiver on the 1% fuel surcharge for transactions exceeding Rs. 400. The maximum cashback per statement cycle is Rs. 250.
Insurance Coverage:
- Complimentary Insurance on Transactions:
Make a minimum of four transactions worth Rs. 100 each month to activate complimentary insurance coverage. - Up to Rs. 50 lakh accidental death insurance.
- Up to Rs. 2 lakh purchase protection against loss due to burglary or fire.
Renewal Fee Waiver:
Spend a minimum of Rs. 50,000 in the year before your card renewal date and enjoy a waiver on the renewal fee or annual fee of Rs. 500.
Zero Lost Card Liability:
In case of a lost or stolen card, promptly notify the bank’s customer service center. You will not be held responsible for any unauthorized or fraudulent transactions made using your card.
Eligibility & Document for HDFC Bank Bharat Credit Card
Read the article on CardsPreview.com for HDFC Bank Bharat CardEligibility & Document here.
Fees & Charges
| Fees & Charges | HDFC Bank Bharat Card |
|---|---|
| Joining fee | Rs. 500 |
| Annual fee | Rs. 500 |
| Fee waiver | The annual fee is exempted if you’ve spent Rs. 20,000 or more in the preceding year. |
| Fuel surcharge | Enjoy a 1% waiver on the fuel surcharge for all your fuel transactions. |
How to Apply for HDFC Bank Bharat Credit Card
You can apply online or offline for this HDFC Bank Bharat Card.
Online – Visit HDFC Bank’s official website and apply for this HDFC Bank Bharat Card.
Offline – You can visit the nearest HDFC Bank branch with all the necessary documents for the HDFC Bank Bharat Card.
