HDFC Bank Bharat Credit

Joining Fee: 500
Renewal Fee: 500
Best Suited For: Shopping
Reward Type: Reward Points
Welcome Benefites: N/A

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HDFC Bank launched HDFC Bank Bharat Credit Card with exciting and exclusive deals and features. It’s a cashback credit card that provides you with 5% monthly cashback on various selected merchant categories like mobile recharges, bill payments, and groceries. Apart from these categories, you can also save on fuel by experiencing 5% monthly cashback and 1% fuel surcharge waiver. 5% monthly cashback on railway ticket booked if booked through IRCTC. This card comes with a joining fee of Rs. 500 plus applicable taxes. Read on to more about the HDFC Bank Bharat Credit Card’s offerings.

New Features

Spend Based Waiver

Renewal fee waived off on spending Rs. 20,000 in previous year

Interest Rates

3.6% p.m. (43.2% p.a.)

Add-on Card Fee

Nil

Rewards Redemption Fee

Rs. 99 per redemption request (plus applicable taxes)

Fuel Surcharge

1% fuel surcharge waiver on minimum transaction of Rs. 400. The waiver is capped at Rs. 250 per billing cycle

Foreign Currency Markup

3.5% on all foreign currency spends.

Cash Advance Charges

2.5% or Rs. 500 whichever is higher

Movie & Dining

N/A

Travel

You get 5% cashback on booking railway tickets through IRCTC.

International Lounge Access

N/A

Rewards Rate

5% cashback every month on spending towards bill payments, and mobile recharge, fuel and railway tickets booked through IRCTC. 5% cashback every month while paying through PayZapp/EasyEMI/SmartBuy.

Golf

N/A

Insurance Benefits

Accidental death cover of up to Rs. 50 Lakhs

Reward Redemption

The reward points can be redeemed as cash back at the request of the cardholder. 1 Reward Point = Re. 1

Domestic Lounge Access

N/A

Zero Liability Protection

Cardholders will not be held liable for card loss/theft on informing the bank within the prescribed time frame

Pros

No data available

Cons

No data available

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