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HDFC Bharat Credit Card
Rewards & Benefits
Welcome Benefits
None.
Milestone Benefits
None.
Cashback Rate
In category A: Customers will get 5% monthly cashback when they book tickets through IRCTC. 5% monthly cashback on Fuel expenses and fuel surcharge waiver also available. 5% monthly cashback on spends on groceries. 5% monthly cashback on Bill payment and Mobile recharge.
In category B: 5% monthly cashback on spends on PayZapp/EasyEMI/SmartBUY.; Maximum cashback per month for categories A and B is Rs 300.
Movie Benefits
None.
Dining Benefits
None.
Other Benefits
INR 50 lakh complimentary accidental death insurance.
Lounge Access
None.
Rewards & Benefits
Welcome Benefits
None.
Milestone Benefits
None.
Cashback Rate
In category A: Customers will get 5% monthly cashback when they book tickets through IRCTC. 5% monthly cashback on Fuel expenses and fuel surcharge waiver also available. 5% monthly cashback on spends on groceries. 5% monthly cashback on Bill payment and Mobile recharge.
In category B: 5% monthly cashback on spends on PayZapp/EasyEMI/SmartBUY.; Maximum cashback per month for categories A and B is Rs 300.
Movie Benefits
None.
Dining Benefits
None.
Other Benefits
INR 50 lakh complimentary accidental death insurance.
Lounge Access
None.
Fees & Charges
Joining Fee
Rs. 500/- Plus Applicable Taxes
Annual Fee
Rs. 500/- Plus Applicable Taxes
Cash Advance Fee
Cash advance fee: 2.5% or ₹ 500 whichever is higher.
Interest rate
Interest Rates: 3.60% p.m. 43.20% p.a.
Late Payment Fee
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 Fee
Foreign Currency Transactions Fees: 3.5%.
Other Fees
Joining / Renewal Membership Fee – Rs. 500/- Plus Applicable Taxes | Reward Redemption Fees: Rs. 99/-
Fees & Charges
Joining Fee
Rs. 500/- Plus Applicable Taxes
Annual Fee
Rs. 500/- Plus Applicable Taxes
Cash Advance Fee
2.5% or ?500 whichever is higher
Interest rate
Interest Rates: 3.60% p.m. 43.20% p.a.
Late Payment Fee
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 Fee
Foreign Currency Transactions Fees: 3.5%.
Other Fees
Joining / Renewal Membership Fee – Rs. 500/- Plus Applicable Taxes | Reward Redemption Fees: Rs. 99/-
Special Features
Save annually up to Rs 3,600/- by simply using your HDFC Bank Bharat credit card.
Eligibility Criteria
Salaried
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
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
The cashback offered by this credit card at first glance looks astounding. But if one reads the fine print carefully he will discover that the card limits the max cashback to a threshold of INR 300 per month. The credit card has limited appeal for middle class individuals.
The cashback offered by this credit card at first glance looks astounding. But if one reads the fine print carefully he will discover that the card limits the max cashback to a threshold of INR 300 per month. The credit card has limited appeal for middle class individuals.
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