HDFC Bank Bharat credit card is exclusively designed for people who love cashbacks. the credit card provides cashback on fuel, groceries, travel tickets, mobile recharge, and other bill payments. along with that, it offers surcharge waivers, zero liability on the lost card, and other exciting benefits which makes it ideal for purchase.
let’s explore its unique benefits, fees and charges, eligibility criteria, and application process in this article.
travel and lifestyle benefits
5% cashback on railway booking from IRCTC website or mobile app
5% cashback on fuel spends
unique financial benefits
50 days of interest-free period from the date of purchase
protection in emergencies
insurance up to ₹50 lakhs in the event of accidental death
annual expenditure benefit
renewal fee waived off on spending ₹50,000 in a year prior to renewal date
how do i apply for HDFC Bank Bharat credit card?
how do i check my eligibility?
the eligibility criteria for HDFC Bank Bharat credit card is different for self-employed and salaried individuals:
what documents do i require?
type of charge
₹500 + taxes
late payment charges
₹100-₹750 depending on the pending payment
interest charged on amount carried forward to next month
2.5% of the over limit amount
fees charged for redeeming reward points
returned payment fee
2% of the total amount
cash advance fees
2.5% of the total amount withdrawn
minimum amount due
5% of the total amount
cash processing fee
yes, the magnetic strip allows you to make payments by swiping the card.
the GST amount charged will be 18% of the total bill.
you can use any of the following payment methods for your credit card payment:
if you spend ₹50,000 in a year, the renewal fee will be waived off for next year.
the maximum cashback on fuel spends, groceries, travel tickets, mobile recharges and other bill payments is ₹150.
to contact the customer service of HDFC Bharat credit card, you can dial a toll-free number 1800-209-4006. you can also visit the nearest branch for any queries.