Joining Fee

₹500

Annual Fee

Rs. 500 + Taxes

HDFC Bank

Cashback

Fuel

Best For: Budget-conscious consumers, IRCTC train ticket bookers, Fuel and grocery spenders

Bharat Credit Card

Rewards Structure

Base Reward Rate

5% on spends

Point Value

1 Point = ₹1

Earning Cap

₹150 /monthly

Points Validity

24 Months

Pros

5% cashback on everyday categories like fuel, grocery, IRCTC, and bill payments
Up to 10% cashback on SmartBuy platform
1% fuel surcharge waiver
Up to 50 days interest-free credit period
Low joining/annual fee of ₹500

Cons

Cashback capped at ₹150 per month across key categories
No cashback on wallet loading, rent payments, or government transactions
Reward points redemption capped at 3,000 points per month
Card sourcing has been stopped; no new applications accepted

Hidden Catches (Transparency Policy)

To build trust with our users, we highlight the fine print that issuers often tuck away in policy documents.

Only eligible MCCs by RuPay for select categories earn 5% rewards

Mobile recharges at mobile outlets not eligible for 5% cashback

Unredeemed reward points expire after 2 years

Card may be cancelled if inactive for 6 continuous months

Key Benefits & Features

Up to 50 days interest-free credit from date of purchase

EMV Chip Card technology for protection against unauthorised use

Reward Points redemption capped at 3,000 points per month (effective 1st February 2023)

Redeem up to 70% of product/voucher value with reward points; pay the rest via Credit Card

₹1,000 CashBack on in-app shopping on 200+ brands via PayZapp

Notable Exclusions

No cashback on wallet loading transactionsNo cashback on rent paymentsNo cashback on government transactionsNo rewards/cashback on MCCs outside fuel, groceries, IRCTC, and rechargesMobile purchases or recharges at mobile outlets not eligible for 5% cashback

*Exclusions may apply to EMI transactions, fuel, and wallet reloads based on current bank policy.

Official Terms & Conditions

These details are based on information updated on 6 March 2026. Fees and benefits change often - confirm on the issuer's own page before applying.

About Bharat Credit Card

The HDFC Bank Bharat Credit Card is a RuPay-powered card designed for everyday spenders who want to earn cashback on essential purchases. It delivers 5% cashback every month on fuel, grocery, bill payments, and mobile recharges, as well as on ticket bookings via IRCTC and transactions made through PayZapp, EasyEMI, and SmartBuy. Combined cashback across these categories is capped at Rs. 150 per month. Cardholders can also enjoy up to 10% cashback on flight and hotel bookings, gift vouchers, and more through the SmartBuy platform. On the fuel front, the card offers a 1% fuel surcharge waiver on transactions of at least Rs. 400, with a maximum waiver of Rs. 250 per statement cycle. Linking the card to PayZapp unlocks additional cashback and reward points on bill payments and mobile recharges, along with Rs. 1,000 cashback on in-app shopping across 200+ brands. Cashback is credited as reward points, redeemable against the statement balance on request. Reward points expire after two years, and redemption is capped at 3,000 points per month. The card comes with a joining and annual fee of Rs. 500, up to 50 interest-free days, and EMV Chip technology for secure transactions. Please note that new applications for this card are no longer being accepted.

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