HDFC Bank Bharat Credit Card
  • HDFC Bank Bharat Credit Card 4 / 5.0 from 1 users

HDFC Bank Bharat Credit Card

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At a Glance

  • Joining Fee

    Rs 500 /-
  • Annual Fee

    Rs 500 /-
  • Annual Rewards

    Rs 0 /-

Reward Rates

  • 5.00%

    Earn 5% on IRCTC Tickets, Fuel, Grocery, Bills & Mobile Recharge. Or, on PayZapp/EasyEMI/SmartBUY.

Highlights

  • Choose your reward from category group A and B, and earn 5% cashback on every transaction. Category Group A includes IRCTC Ticket Bookings, Fuel, Grocery, Bill Payments and Mobile Recharge. While Category B includes PayZapp, Easy EMI and SmartBUY purchases. Maximum cashback of Rs. 150 under each category group in a statement cycle.
  • Get card for free in the next card membership year, if you have spend Rs. 20,000 or above during current membership year.

Features

  • 1% Fuel Surcharge Waiver

    1% fuel surcharge fuel transactions on spends of Rs. 400 and above. Maximum cashback upto Rs. 250 in a billing cycle.

  • EMI Facility on Card

    Avail EMI Facility on your HDFC Bharat Credit Card with no processing charges, zero down-payment and no documentation whatsoever.

  • Lifetime Free Add-on Card

    Get add-on credit card with no annual charges at all.

S Highlights

  • Earnd 2x rewards point at super market dining and fule for the first 16000 spent per year
  • Earnd 2x rewards point at super market dining and fule for the first 16000 spent per year
  • Earnd 2x rewards point at super market dining and fule for the first 16000 spent per year

Features

  • 1+1 on Movie Tickets Free

    Movie Tickets worth Rs. 6000 every year valid for 2 Tickets in a month

  • 1+1 on Movie Tickets Free

    Movie Tickets worth Rs. 6000 every year valid for 2 Tickets in a month

C Highlights

  • Earnd 2x rewards point at super market dining and fule for the first 16000 spent per year
  • Earnd 2x rewards point at super market dining and fule for the first 16000 spent per year
  • Earnd 2x rewards point at super market dining and fule for the first 16000 spent per year

Features

  • 1+1 on Movie Tickets Free

    Movie Tickets worth Rs. 6000 every year valid for 2 Tickets in a month

  • 1+1 on Movie Tickets Free

    Movie Tickets worth Rs. 6000 every year valid for 2 Tickets in a month

Staff Reviews

Average Cashback Value

5% cashback via PayZapp and on fuel and grocery, and option to choose category group seems good, though, maximum cashback is limited to only Rs. 150 in single statement cycle.

Good

Annual Fee

Annual fee is higher as per the monthly benefits but can be easily waived on annual fee milestone of Rs. 20,000 only.

Very Good

Finance Charge, Interest Rates (APR)

41.88%

Average

Reward Redemption

Cashback on HDFC Bharat Credit Card is accumulated as Reward Points and can be redeemed for Card Payment by paying a redemption fee of Rs. 99.

Poor
1 4 5
2019-12-28

Have been using the card for past 6 months especially for payments via Payzapp. It’s an average card in terms of reward benefits. The one thing I like the most is very low criteria for annual fee waiver. Although, there are not many benefits apart from cash back categories and total savings from card is limited each month. Overall, it serves good for my monthly utility bill payments but not a good choice for a primary credit card.