RuPay 📡 Contactless NFC
HDFC Bank Bharat Credit Card
Joining Fee₹500
Annual Fee₹500
Forex Markup 3.5%
🎁 Key Features & Highlights
🎉
Joining & Activation Welcome Gift
Nil welcome benefit
Get ₹1,000 Cashback
on PayZapp app shopping across 200+ partner brands
Earn 5% Cashback on Bill Payments & Mobile Recharge
on eligible electricity, water, broadband and mobile recharge transactions; capped at ₹150 per month across combined categories
Earn 5% Cashback
on spends at PayZapp, EasyEMI and SmartBuy; capped at ₹150 per month
Earn 5% Cashback on IRCTC Ticket Bookings
on train ticket bookings made through IRCTC every month; capped at ₹150 per month across combined categories
💰 Reward Structure & Point Valuation
1 Cashback = ₹1 Standard Base Earning
5% cashback on SmartBuy, PayZapp, utilities, insurance, fuel, and grocery
Accelerated / Partner Rate
10% cashback on movie tickets and bill payments via SmartBuy/PayZapp
Points Validity:Never Expire
Redemption Fee: ₹0 (Free)
Redemption Modes: Statement Credit
🚫 No Reward Points / Cashback on:
Fuel Wallet Loads Government Rent Jewellery EMI
🛋️ Airport Lounge Access & Spend Criteria
✗ No Free Lounge Access🛫
Domestic Lounge VisitsNone
🌐
International Lounge VisitsNone
⚠️
Spend Criteria: No lounge access
⚡ Spend Milestones & Special Perks
Annual Fee Waiver ₹50,000/yr
Annual fee of ₹500 is waived on spends of ₹50,000 or more in the previous anniversary year UPI Payments Support✗ Not Supported
UPI not supported on Visa/Mastercard Fuel Surcharge Waiver1% Surcharge Waived
1% fuel surcharge waiver at all fuel stations across India (Capped at ₹250/mo) 📋 Eligibility Criteria
✓ Official CriteriaAge Limit21 - 60 Years
Min. Monthly Income₹25,000
Min. Credit Score720 CRIF
Employment TypeSalaried / Self-Employed
Official Bank Portal Application
Apply Online Now → Get the HDFC Bank Bharat Credit Card
Annual Fee: ₹500/yr (Waivable)
Personalized Card Matcher
Still Confused About Your Best Match?
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⚡ Instant Net Yield Math•🛋️ Lounge Fee Gate Check•🆓 100% Free & Impartial
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🔍 Related Credit Card Collections
Frequently Asked Questions
No, HDFC Bank Bharat Credit Card has a joining fee of ₹500 and an annual renewal fee of ₹500 (plus applicable taxes).
HDFC Bank Bharat Credit Card ₹500/yr
Apply Now →