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Bharat Credit Card

Product Details
Credit Card Name : 

Bharat Credit Card

Bank Name :


Type :

Shopping Credit Card

Interest Rate : 

3.6% per month i.e. 43.2% annually

Eligibility :

Age: Min 21 yrs & Max 60 Yrs,
Income: Gross Monthly Income> Rs 12,000

Self Employed
Age: Min 21 yrs & Max 65 Yrs,
Income: ITR > Rs 2 Lakhs per annum

Bharat Credit Card

1. Customers Get 5% monthly cashback when they book tickets through IRCTC. 

2. 5% monthly cashback on Fuel expenses and fuel surcharge waiver also available. 

3. 5% monthly cashback  on spends on Groceries  

4. 5% monthly cashback on Bill Payment and Mobile recharge. 

5. 5% monthly cashback on spends on PayZapp/EasyEMI/SmartBUY 

6. 50 days interest free period.


1. No welcome benefit is provided to the customers. 

2. No lounge access facility available.

Pros & Cons
Welcome Benefits


Rewards System
  • 1 Reward Point = Rs 1, 1 RP for every INR 100 Spent.  

  • Cashback will be retained as Reward Points and posted in the next statement. 

  • It can be redeemed as CashBack on customer request against the statement balance.  

  • Effective Cashback Rate= 5%

International Forex Markup

IFM- 3.5%

Welcome Benefits and Reward System
Special Features
  • Save annually up to Rs 3,600/- by simply using your HDFC Bank Bharat credit card.

Eligibility Criteria

Age: Min 21 yrs & Max 60 Yrs,
Income: Gross Monthly Income> Rs 12,000

Self Employed
Age: Min 21 yrs & Max 65 Yrs,
Income: ITR > Rs 2 Lakhs per annum

  • 5% cashback on groceries, fuel, IRCTC transactions, mobile recharges, and bill payments. 

  • 5% cashback on SmartBuy, EasyEMI, and PayZapp spends. 

  • Up to Rs. 50 lakh complimentary accidental death insurance. 

  • Renewal benefit: Get 500 bonus reward points on your card renewal. 

  • Milestone benefit: Get Rs. 2,000/- worth Yatra voucher once you accumulate international spends of Rs. 1,50,000/- in a year.

Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
  • Go to the HDFC Bank website and click on the "Credit Cards" tab. 

  • Select the "Bharat Credit Card" from the list of cards. 

  • Click on the "Apply Now" button. 

  • You will be redirected to a new page where you will need to provide your personal information, such as your name, address, and contact details. 

  • You will also need to provide your employment information and income details. 

  • Once you have submitted your application, HDFC Bank will review your eligibility and get back to you within 7 working days.

Contact Details

1800 202 6161 or 1860 267 6161,
send an SMS to 730 8080 808, or
even use WhatsApp to send a message to 707 0022 222.

Account Opening and Procedure
HDFC Bank Bharat Credit Card

As the HDFC Bharat Credit Card is a basic card, you will not get a very high credit limit at the beginning itself. The credit limit may vary for different credit cardholders depending on their credit history, monthly income, and a few other factors. People with higher income or good credit history will get a higher limit as compared to those who have a lower monthly income. However, you may get your credit limit increased with time by using your card in a responsible manner.

Abhijeet Saxena

Abhijeet Saxena

Abhijeet Saxena

Nalsar University of Law

Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi

Ex - Khaitan & Co. Bengaluru,

Ex - National Stock Exchange, Mumbai,

Ex - Argus Partners, Mumbai

Product Review
Fees & Charges
  • Joining / Renewal Membership Fee – Rs. 500/- Plus Applicable Taxes 

  • Cash advance fee: 2.5% or ₹ 500 whichever is higher.  

  • Interest Rates: 3.60% p.m. 43.20% p.a.  

  • Late Payment Charges: Less than ₹100 = Nil ₹100 to ₹500 = ₹100/- ₹501 to ₹5,000 = ₹500/- ₹5,001 to ₹10,000 = ₹600/- ₹10,001 to ₹25,000 = ₹800/- ₹25,001 to ₹50,000 = ₹1100/- More than ₹50,000 = ₹1300/- 

  • Foreign Currency Transactions Fees: 3.5%.   

  • Reward Redemption Fees: Rs. 99/-

Fuel Surcharge
  • Enjoy savings with 5% monthly cashback  on Fuel expenses. 

  • Get 1% surcharge waiver and save upto Rs. 250 in every billing cycle  (Min transaction of Rs. 400)

Billing Cycle

30 Days

Fees & Charges
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