Bharat Credit Card
Rewards & Benefits
Welcome Benefits
N/A
Milestone Benefits
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
Dining Benefits
Other Benefits
Up to Rs. 50 lakh complimentary accidental death insurance. 50-day interest-free period.
Lounge Access
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
3.6% per month i.e. 43.2% annually
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/-
दोष
1. No welcome benefit is provided to the customers.
2. No lounge access facility available.
Reward System: 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.
50-day interest-free period.
Maximum cashback per month for categories A and B is Rs. 300.
पक्ष विपक्ष
Welcome Benefits
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पुरस्कार प्रणाली
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अंतर्राष्ट्रीय विदेशी मुद्रा मार्कअप
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स्वागत लाभ और पुरस्कार प्रणाली
विशेष लक्षण
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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
विशेष विशेषता, पात्रता और लाभ
क्रेडिट कार्ड के लिए आवेदन कैसे करें?
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.
सम्पर्क करने का विवरण
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.
खाता खोलने की प्रक्रिया और प्रक्रिया
विशेष विशेषता, पात्रता और लाभ
Pros:-
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Cons:-
Reward System: 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.
50-day interest-free period.
Maximum cashback per month for categories A and B is Rs. 300.
1. No welcome benefit is provided to the customers.
2. No lounge access facility available.
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.
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
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai
उत्पाद समीक्षा
फीस एवं प्रभार
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ईंधन अधिशुक्ल
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Billing Cycle
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