What is the HDFC Bank Bharat Credit Card?

The HDFC Bank Bharat Credit Card is an entry-level cashback card offering 5% cashback on everyday expenses like fuel, groceries, bill payments, and IRCTC bookings.

What are the joining and renewal fees for the HDFC Bank Bharat Credit Card?

The HDFC Bank Bharat Credit Card has a joining fee and renewal fee of Rs. 500 plus applicable taxes each.

How can I get the annual fee waived for my HDFC Bank Bharat Credit Card?

The annual fee for the HDFC Bank Bharat Credit Card is waived if you spend Rs. 20,000 or more in the preceding year.

What is the cashback rate offered by the HDFC Bank Bharat Credit Card?

The HDFC Bank Bharat Credit Card offers 5% monthly cashback on selected categories and HDFC's digital platforms.

Is there a cap on the cashback I can earn with the HDFC Bank Bharat Credit Card?

Yes, cashback is capped at Rs. 150 per month for Category A and Rs. 150 for Category B on the HDFC Bank Bharat Credit Card.

Does the HDFC Bank Bharat Credit Card offer a fuel surcharge waiver?

Yes, the HDFC Bank Bharat Credit Card provides a 1% fuel surcharge waiver, capped at Rs. 250 per billing cycle.

What insurance benefits are included with the HDFC Bank Bharat Credit Card?

The HDFC Bank Bharat Credit Card includes an accidental death cover of up to Rs. 50 Lakhs for cardholders.

Can I get lounge access with the HDFC Bank Bharat Credit Card?

No, the HDFC Bank Bharat Credit Card does not offer complimentary domestic or international lounge access.

What is the foreign currency markup fee on the HDFC Bank Bharat Credit Card?

The HDFC Bank Bharat Credit Card has a foreign currency markup fee of 3.5% on international transactions.

Are there any charges for redeeming reward points on the HDFC Bank Bharat Credit Card?

Yes, a rewards redemption fee of Rs. 99 applies when redeeming reward points from your HDFC Bank Bharat Credit Card.

HDFC Bank

HDFC Bank Bharat Credit Card

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Last updated: 26 October 2025

Benefits & Features

Explore key benefits designed to maximize your lifestyle

Welcome Offer

Not Applicable

Rewards Rate

5% monthly cashback on selected categories (IRCTC, fuel, groceries, bill payments, mobile recharges) and on PayZapp/EasyEMI/SmartBUY.

Reward Type

Cashback

Reward Redemption

Cashback as Reward Points (1 RP = Re. 1) redeemable against statement balance, capped at 3,000 RP/month.

Domestic Lounge Access

Not Applicable

International Lounge Access

Not Applicable

Premium Benefits

Not Applicable

Insurance Coverage

Up to Rs. 50 Lakhs accidental death cover.

Movie

Not Applicable

Dining

Not Applicable

Travel Benefits

5% monthly cashback on IRCTC ticket bookings.

What matters, explained clearly

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Frequently Asked Questions

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