Annual Fee
₹500
Rewards/₹100 ⓘ
₹2.50
Interest Rate
41.88%
Credit Score
700+
Key Benefits
5% cashback on fuel, grocery, IRCTC, PayZapp; Rs. 50L insurance
Lounge Access
No lounge access available
Eligibility
Min income Rs. 12,000/month, age 21-60, CIBIL 700+
The HDFC Bharat Credit Card is a solid entry-level cashback card for everyday spenders. With 5% cashback on fuel, groceries, and utility payments, plus a low annual fee of Rs. 500 (waivable at Rs. 20,000 annual spend), it delivers good value for budget-conscious users. However, the Rs. 150/month cashback cap per category limits earning potential, and the lack of lounge access or dining perks makes it unsuitable for premium seekers. Note: HDFC Bank has stopped accepting new applications for this card.
Best For
Budget-conscious individuals who want cashback on everyday spends like fuel, groceries, mobile recharges, and bill payments. Ideal for first-time credit card users.
Not Ideal For
Travelers seeking lounge access, international spenders needing low forex markup, or those looking for premium dining and lifestyle benefits.
Fuel
Grocery
Utility Bills
IRCTC Railway Bookings
PayZapp
SmartBuy
EasyEMI
All Spends
Redeem your points for cashback, travel, and more
Statement Credit
Cashback credited as reward points. Redemption capped at 3,000 points per month. Redeem up to 70% of product/voucher value with points.
Annual fee of Rs. 500 waived on spending Rs. 20,000 or more in the previous year.
Spend ₹20,000 within 365 days
value
Rs. 1,000 cashback on in-app shopping on 200+ brands via PayZapp.
value
Earn up to Rs. 300 cashback per month (Rs. 150 on Category A + Rs. 150 on Category B transactions).
Spend ₹6,000 within 30 days
value
Save up to Rs. 3,600 annually through cashback and fuel surcharge waiver combined.
Spend ₹60,000 within 365 days
value
Custom
Stay protected against unauthorised use with EMV Chip Card technology.
See how this card performs in different spending categories compared to other cards.
The HDFC Bharat Credit Card, also known as the HDFC Bharat CashBack Credit Card, is an entry-level credit card from HDFC Bank designed for everyday spenders. Built on the RuPay network, this card offers a straightforward 5% cashback on essential categories including fuel, groceries, mobile recharges, bill payments, and IRCTC railway bookings.
With a modest joining fee of Rs. 500 (plus GST), the card is positioned as an affordable option for first-time credit card users who want to earn cashback on their regular expenses. The card also features a 1% fuel surcharge waiver, Rs. 50 Lakhs accidental death cover, and the convenience of PayZapp integration for digital payments.
Note: HDFC Bank has stopped accepting new applications for this card. Existing cardholders continue to enjoy all benefits.
The HDFC Bharat Credit Card is a cashback-focused entry-level credit card issued by HDFC Bank on the RuPay network. It is specifically designed for the Indian market, catering to individuals who make frequent everyday purchases at fuel stations, grocery stores, and through digital payment platforms.
The HDFC Bharat Credit Card offers two categories of cashback:
The HDFC Bharat Credit Card does not offer any airport lounge access, either domestic or international. This is an entry-level card focused on cashback benefits rather than travel perks.
If you need lounge access, consider upgrading to HDFC cards like the Regalia or Infinia which offer complimentary lounge visits.
The HDFC Bharat Credit Card offers cashback in the form of reward points:
| Fee Type | Amount |
|---|---|
| Joining Fee | Rs. 500 + GST |
| Annual Fee | Rs. 500 + GST (waived on Rs. 20,000 annual spend) |
| Interest Rate | 3.49% per month (41.88% p.a.) |
| Cash Advance Fee | 2.5% or Rs. 500, whichever is higher |
| Foreign Currency Markup | 3.5% of transaction amount |
| Card Replacement | Rs. 100 |
| Reward Redemption Fee | Rs. 99 |
| Late Payment (up to Rs. 500) | Rs. 100 |
| Late Payment (Rs. 501-1,000) | Rs. 500 |
| Late Payment (Rs. 1,001-5,000) | Rs. 600 |
| Late Payment (Rs. 5,001-10,000) | Rs. 750 |
| Late Payment (Rs. 10,001-25,000) | Rs. 900 |
| Late Payment (Rs. 25,001-20,000) | Rs. 1,100 |
| Late Payment (above Rs. 20,000) | Rs. 1,300 |
| Minimum Due | 5% of outstanding or Rs. 200, whichever is higher |
| Cash Advance Limit | 40% of credit limit |
| GST | 18% on all fees and charges |
Note: HDFC Bank has stopped accepting new applications for the Bharat Credit Card as of 2025. Existing cardholders continue to enjoy all benefits.
The HDFC Bharat Credit Card is a solid entry-level cashback card ideal for budget-conscious Indian consumers who want to earn rewards on their everyday spending. With 5% cashback on fuel, groceries, bill payments, mobile recharges, and IRCTC bookings, plus additional savings through PayZapp and SmartBuy, the card delivers meaningful value for its Rs. 500 annual fee.
The card is best suited for individuals new to credit cards or those with modest income levels who make regular purchases at fuel stations, grocery stores, and through digital payment platforms. The Rs. 50 Lakhs accidental death cover and purchase protection add safety nets that are uncommon at this price point.
However, the Rs. 150/month cashback cap per category (Rs. 300 total), lack of lounge access, absence of dining benefits, and high forex markup of 3.5% mean this card is not suitable for high spenders, travelers, or those who need international usage. The 3,000 points/month redemption cap further limits its utility for heavy users. Additionally, HDFC Bank has discontinued new applications, making it available only to existing cardholders.
Last updated: 1 February 2026
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