HDFC Bank Bharat Credit Card

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.

Benefits and Features of HDFC Bank Bharat Credit Card

Benefits and FeaturesHDFC Bank Bharat Card
Welcome BenefitsN/A
Cashback/Rewards PointsEarn 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 BenefitsGet 5% cashback on booking railway tickets through IRCTC.
Dining BenefitsN/A
Domestic Lounge AccessN/A
International Lounge AccessN/A
Movie BenefitsN/A
Insurance BenefitsAccidental death cover of up to Rs. 50 Lakhs
*terms and conditions are applied for every credit card, kindly check the official website of HDFC Bank

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 for HDFC Bank Bharat CardEligibility & Document here.

Fees & Charges

Fees & ChargesHDFC Bank Bharat Card
Joining feeRs. 500
Annual feeRs. 500
Fee waiverThe annual fee is exempted if you’ve spent Rs. 20,000 or more in the preceding year.
Fuel surchargeEnjoy a 1% waiver on the fuel surcharge for all your fuel transactions.
*terms and conditions are applied for every credit card offer, kindly check the official website of HDFC Bank

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.

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