Love cashback? Give a chance to HDFC Bank Bharat Credit Card


Become a cashback hoarder.

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. 

HDFC Bank Bharat Credit Card: Features and Benefits

Travel and Lifestyle Benefits5% cashback on railway booking from IRCTC website or mobile app
5% cashback on grocery spends5% cashback on mobile recharges and other bill payments made from the credit card
5% cashback on EasyEMI, PayZapp and SmartBUY transactions
Fuel Benefits5% cashback on fuel spends
1% fuel surcharge waived off on fuel transactions
Unique Financial Benefits50 days of interest-free period from the date of purchase
Revolving credit (where customers pay a commitment fee to a financial institution to borrow money) at a nominal interest rate
Protection in EmergenciesInsurance up to 50 lakhs in the event of accidental death
Fire and burglary coverage for the items purchased above INR 5,000 using the credit card
Safe and secure transactions at chip-enabled POS (point of sale)
Zero liability on a lost credit card
Annual Expenditure BenefitRenewal fee waived off on spending INR 50,000 in a year prior to renewal date

How Do I Apply for HDFC Bank Bharat Credit Card?

  1. Go to and click on Products > Cards > Credit Cards.
  2. In the category of Cashback Credit Cards, click on ‘Bharat’.
  3. Fill your personal details including your PAN number and income asked in the application form. Once you have filled the details, click on ‘Submit’.
  4. The bank will verify your details and approve/reject your application based on the eligibility criteria.
  5. After you have applied for the credit card, you can also track your HDFC credit card application status online or get in touch with the HDFC customer care.
  6. You also have an option to apply for Bharat Credit Card by visiting the nearest HDFC branch.

How do I check my eligibility?

The eligibility criteria for HDFC Bank Bharat Credit Card is different for self-employed and salaried individuals:

Salaried Individuals

  • The applicant should be in the age group of 21-60 years
  • The monthly income of the applicant should be at least INR 12,000

Self-Employed Individuals

  • The applicant should be in the age group of 21-65 years.
  • The annual income should be at least INR 2 lakhs

What documents do I require?

  • One identity proof (Aadhaar Card, PAN Card, Driving License, Voting Card)
  • Address proof (includes documents like Passport, Electricity bill, Gas bill)
  • Income proof which includes latest ITR documents and Form 16
  • Passport-size coloured photographs

HDFC Bank Bharat Credit Card: Fees and Charges

Type of ChargeAmount 
Joining FeeINR 500 + Taxes
Late Payment ChargesINR 100-750 depending on the pending payment
Interest Charged on Amount Carried Forward to Next Month3.49%
Overlimit Charges2.5% of the over limit amount
Fees Charged for Redeeming Reward PointsINR 99
Returned Payment Fee2% of the total amount
Cash Advance Fees2.5% of the total amount withdrawn
Minimum Amount Due5% of the total amount
Cash Processing FeeINR 100

Frequently Asked Questions (FAQs)

Can this card be used as a swipe card?

Yes, the magnetic strip allows you to make payments by swiping the card.

How can I register for Netbanking?

  • Log in to Netbanking with your customer ID and password
  • Once you’re logged in, click on ‘Credit Cards’
  • Click on ‘Register New Card’ on the left side of the screen
  • Enter your credit card number, expiry date, ATM pin and click on ‘Submit’

How much GST will be charged on my HDFC Bank Bharat Credit Card?

The GST amount charged will be 18% of the total bill.

Do I have to pay the renewal fee every year?

If you spend INR 50,000 in a year, the renewal fee will be waived off for next year.

What is the maximum cashback I could receive in a month?

The maximum cashback on fuel spends, groceries, travel tickets, mobile recharges and other bill payments is INR 150.

How do I contact the customer service of HDFC Bharat Credit Card?

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.

To know more about HDFC Bharat Bank Credit Card, click here.

about CRED

CRED is a members-only platform that rewards the creditworthy individuals of India with exclusive experiences, rewards and upgrades.

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