HDFC Bank Bharat Credit Card

Expert ScoreRead review

Fees

Joining Fee

Rs. 500 + applicable taxes

Renewal Fee

Rs. 500 + applicable taxes

Best Suited For

Shopping

Reward Type

Reward Points

Welcome Benefits

5% monthly cashback on Category A transactions (fuel expenses and ticket bookings through IRCTC, groceries, bill payments and mobile recharges).
5% monthly cashback on Category B transactions (on payments done through PayZapp, EasyEMI or SmartBUY)
Cashback will be retained as reward points.
Avail 50 days interest-free period.

HDFC BANK

Category: Credit Cards Tag: Bharat card

Reward Type

Reward Points

Renewal Fee

500 (plus applicable taxes)

Joining Fee

500 (plus applicable taxes)

Type of Card

Shopping

Welcome Benefits

N/A

USP of Card

Fees

Joining Fee

Rs. 500 + applicable taxes

Renewal Fee

Rs. 500 + applicable taxes

Best Suited For

Shopping

Reward Type

Reward Points

Welcome Benefits

5% monthly cashback on Category A transactions (fuel expenses and ticket bookings through IRCTC, groceries, bill payments and mobile recharges).
5% monthly cashback on Category B transactions (on payments done through PayZapp, EasyEMI or SmartBUY)
Cashback will be retained as reward points.
Avail 50 days interest-free period.

Fees & Charges

Spend Based Waiver

Renewal fee waived off on spending Rs. 20,000 in previous year

Interest Rates

3.6% per month (or 43.2% annually)

Cash Advance Charges

3.5% on the conversion amount

Rewards Redemption Fee

Rs. 99 per redemption request

Fuel Surcharge

1% fuel surcharge waiver on minimum transaction of Rs. 400. The waiver is capped at Rs. 250 per billing cycle

Foreign Currency Markup

2.5% or Rs. 500 whichever is higher

Late Payment Fee

Add-on Card Fee

Nil

Rewards & Benifit

Movie & Dining offers

Reward Redemption

The reward points can be redeemed as cash back at the request of the cardholder. 1 Reward Point = Re. 1

Zero Liability Protection

Cardholders will not be held liable for card loss/theft on informing the bank within the prescribed time frame

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.

Travel

You get 5% cashback on booking railway tickets through IRCTC.

Online Shopping offers

5% monthly cashback on Category B transactions (on payments done through PayZapp, EasyEMI or SmartBUY)

Insurance Benefits

Accidental death cover of up to Rs. 50 Lakhs

Domestic Lounge Access

International Lounge Access

N/A

9Expert Score

Fees

Joining Fee

Rs. 500 + applicable taxes

Renewal Fee

Rs. 500 + applicable taxes

Best Suited For

Shopping

Reward Type

Reward Points

Welcome Benefits

5% monthly cashback on Category A transactions (fuel expenses and ticket bookings through IRCTC, groceries, bill payments and mobile recharges).
5% monthly cashback on Category B transactions (on payments done through PayZapp, EasyEMI or SmartBUY)
Cashback will be retained as reward points.
Avail 50 days interest-free period.

Best values score

9Expert Score

Fees

Joining Fee

Rs. 500 + applicable taxes

Renewal Fee

Rs. 500 + applicable taxes

Best Suited For

Shopping

Reward Type

Reward Points

Welcome Benefits

5% monthly cashback on Category A transactions (fuel expenses and ticket bookings through IRCTC, groceries, bill payments and mobile recharges).
5% monthly cashback on Category B transactions (on payments done through PayZapp, EasyEMI or SmartBUY)
Cashback will be retained as reward points.
Avail 50 days interest-free period.

Best values score

Specification: HDFC Bank Bharat Credit Card

Bank Name	HDFC Bank
Type of Credit Card	Shopping
Joining Fees	500 (plus applicable taxes)
Renewal fees	500 (plus applicable taxes)
Best Suited for	Shopping
Reward Type	Reward Points
Welcome Benifits	N/A
Movie & Dining Offers	NA
Travel Offers	You get 5% cashback on booking railway tickets through IRCTC.
online shopping offers	5% monthly cashback on Category B transactions (on payments done through PayZapp, EasyEMI or SmartBUY)
Reward redemption	The reward points can be redeemed as cash back at the request of the cardholder. 1 Reward Point = Re. 1
Reward 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.
Domestic Lounge Access	NA
International lounge access	N/A
Insurance Benifits	Accidental death cover of up to Rs. 50 Lakhs
Zero liability protection	Cardholders will not be held liable for card loss/theft on informing the bank within the prescribed time frame
Spend based waiver	Renewal fee waived off on spending Rs. 20,000 in previous year
Reward redemption charges	Rs. 99 per redemption request
Foreign currency markup Charges	3.5% on the conversion amount
Interest Charges	3.6% per month (or 43.2% annually)
Fuel Surcharges	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
Interest Free credit periods	50 Days
Add on card fee	Nil
Late Payment Fee	for self employed individuals should be between 21 years and 65 years of age, with a minimum annual income of Rs. 6 lakhs.
Partner Discounts	5% monthly cashback on Category B transactions (on payments done through PayZapp, EasyEMI or SmartBUY)
Reward offer savings	You can also enjoy a 5% monthly cashback on Category B transactions which includes payments done through platforms like PayZapp/SmartBuy/EasyEMI.
USP of Card	The maximum cashback on the ‘Category B’ transactions combined is capped at Rs. 150.
BestValue Score	9

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HDFC Bank Bharat Credit Card

Fees

Joining Fee

Renewal Fee

Best Suited For

Reward Type

Welcome Benefits

HDFC Bank Bharat Credit Card

Fees

Joining Fee

Renewal Fee

Best Suited For

Reward Type

Welcome Benefits

Reward Type

Renewal Fee

Joining Fee

Type of Card

Welcome Benefits

USP of Card

Fees

Joining Fee

Renewal Fee

Best Suited For

Reward Type

Welcome Benefits

Fees & Charges

Spend Based Waiver

Interest Rates

Cash Advance Charges

Rewards Redemption Fee

Fuel Surcharge

Foreign Currency Markup

Late Payment Fee

Add-on Card Fee

Rewards & Benifit

Movie & Dining offers

Reward Redemption

Zero Liability Protection

Rewards Rate

Travel

Online Shopping offers

Insurance Benefits

Domestic Lounge Access

International Lounge Access

Fees

Joining Fee

Renewal Fee

Best Suited For

Reward Type

Welcome Benefits

Fees

Joining Fee

Renewal Fee

Best Suited For

Reward Type

Welcome Benefits

Specification: HDFC Bank Bharat Credit Card

User Reviews

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