HDFC Bharat Cashback Credit Card – For Rewards and Cashback

HDFC Bharat Cashback Credit Card lets you earn cashback on your expenses in the form of reward points. You can save up to 5% on your expenses at selected categories. Below mentioned are some of the major features and benefits of this credit card:

Up to 5% Cashback

You can get up to 5% cashback on your monthly spends at selected categories. Below mentioned are the details regarding the same:

• 5% cashback on IRCTC ticket bookings, groceries, bill payment and mobile recharges, fuel expenses. Cashback is capped at Rs. 150 per month on the combined fore-mentioned categories.
• 5% cashback on your transactions through PayZapp/ EasyEMI/ SmartBUY. Maximum cashback is Rs. 150 per month on the fore-mentioned combined categories.

Note: Cashback will be given in the form of reward points and will be posted in the next statement. You can redeem it against cashback with a rate of 1 Reward Point = Re. 1.

Suggested read: Popular Cashback Credit Cards in India

Other Benefits

Apart from cashback, you can also avail below-mentioned benefits on your HDFC Bank Bharat Cashback Credit Card:

Fuel Surcharge Waiver: 1% fuel surcharge waiver across all fuel stations in India. This offer is valid only on transactions above Rs. 400 and you can save up to Rs. 250 per statement cycle.

Renewal Fee Waiver: Spend Rs. 50,000 in a year and avail the next year’s renewal fee waiver.

Statement Credit: Cashback is earned in the form of reward points and is reflected in the next statement. Customers can use them to pay credit card bill.

Interest Free Period: Up to 50 days interest-free period from the date of purchase.

Also read: Best Credit Cards in India

The fees and charges applicable to HDFC Bharat Cashback Credit Card are mentioned in the table below:

Type of Fee/ Charge	Amount
Joining Fee	Rs. 500
Annual/ Renewal Fee	Rs. 500 (Waived off on spending Rs. 50,000 in a year)
Finance Charges	3.6% p.m. | 43.2% p.a.
Late Payment Charges	For Statement Balance: Less than Rs. 100: Nil Rs. 100 to Rs. 500: Rs. 100 Rs. 501 to Rs. 5,000: Rs. 500 Rs. 5,001 to Rs. 10,000: Rs. 600 Rs. 10,001 to Rs. 25,000: Rs. 800 Rs. 25,001 to Rs. 50,000: Rs. 1,100 Above Rs. 50,000: Rs. 1,300

To view the most important terms and conditions, Click here.

You should fulfil the below-mentioned eligibility criteria in order to apply for HDFC Bharat Cashback Credit Card:

Criteria	Details
Age Requirement	21 to 60 years
Occupation	Salaried or Self-employed
Income Requirement for Salaried Applicants	Rs. 12,000 p.m.
Income Requirement for Self-employed Applicants	ITR> Rs. 2 lakh p.a.
Documents Required	Click here for the list of documents
Serviceable Cities	Click here for the list of eligible cities

Suggested read: Credit Card Fees & Charges that You Must Know

HDFC Bharat Cashback is a beginner-level credit card that lets you earn cashback on your expenses. However, the cashback is offered in the form of rewards and you can later redeem them against cashback at a value of 1 Reward Point = Re. 1. This is a basic credit card and you can apply for it if you are new to credit and looking for a card that offers cashback on multiple categories. Overall, you can apply for this if:

• You are a beginner
• You want to avail cashback on multiple categories
• You frequently make bookings through IRCTC
• You frequently make fuel expenses

Also look for Top Credit Cards for Beginners

A few of the similar credit cards along with the annual fee and features are mentioned in the table below:

Credit Card	Annual Fee	Comparative Feature
Flipkart Axis Bank Credit Card	Rs. 500	5% cashback on Flipkart & Myntra
Standard Chartered Super Value Titanium Credit Card	Rs. 750	5% cashback on fuel, phone and utility bill payments
HSBC Cashback Credit Card	Rs. 750	1.5% cashback on all online spends
Axis Bank ACE Credit Card	Rs. 500	5% cashback on bill payments, DTH and mobile recharges via Google Pay
Kotak Delight Platinum Credit Card	Rs. 1,999	Up to 10% cashback on dining spends

Q. Why should I choose HDFC Bharat Cashback Credit Card?

A. HDFC Bharat Cashback Credit Card offers cashback on daily spends. Moreover, you can easily apply for this credit card as its eligibility criteria is quite relaxed. Cardholders can also get cashback on everyday spends like fuel, groceries, and so on.

Q. Can I withdraw cash using HDFC Bharat Cashback Credit Card?

A. Yes, you can withdraw cash using your HDFC Bharat Cashback Credit Card up to your cash limit. However, finance charges will be applicable from the day of the transaction. Also, an interest-free period is not provided on cash withdrawals.

Q. What is the maximum amount of cashback that can be earned by HDFC Bharat Cashback Credit Card?

A. Customers can save up to Rs. 300 per month via Bharat Cashback Credit Card. In a year you can save up to Rs. 3,600. Also, if you spend over Rs. 50,000 in a year you can save an additional Rs. 500 which is the annual fee of the credit card.

Q. How can I apply for HDFC Bharat Cashback Credit Card?

A. You can apply for this credit card through the official website of the bank. All you need to do is visit the credit card’s page and submit the duly filled application form. Apart from this, if you want to apply offline, you can visit any of the nearest branches of the bank and contact an executive regarding the application process.

Q. Can I use HDFC Bharat Cashback Credit Card for international transactions?

A. Yes, you can make international transactions via this credit card. However, firstly, you need to activate your credit card for international transactions to use it overseas. The bank also charges a forex markup fee of 3.5% on your foreign currency transactions. Hence, you should opt for a low forex markup fee credit card if your goal is to use it internationally.