Apply Now
Whether you want to earn rewards or save more with discounts and deals, you will never fall short of Credit Card options. Paisabazaar is the right place to find the card that best fits your needs.
*Offers are from Paisabazaar's partner Banks & NBFCs.
HDFC Bharat Cashback Credit Card, as the name implies, rewards its users for every transaction in the form of cashback. The credit card is well suited for first-time users as the eligibility criteria are quite relaxed and cashback is earned on everyday spends. Read on to know more about this card.
Key Highlights of HDFC Bharat Cashback Credit Card |
Find Similar Credit Cards |
Given below are the top features and benefits if HDFC Bharat Cashback Credit Card:
Cashback – The various categories on which cashback can be earned along with the maximum amount is given below:
Fuel Surcharge Waiver – Get 1% fuel surcharge waived off at fuel pumps. Offer is valid only on transactions above Rs. 400 and user can save up to Rs. 250 per statement cycle.
Annual Fee Waiver – Annual Fee is waived when cardholder spends Rs. 20,000 or more in a year.
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’s bill.
Suggested Reads: Best Cashback credit cards
The fees and charges applicable to HDFC Bharat Cashback Credit Card are:
| Fee/Charge | Amount |
| Annual Fee | Rs. 500 |
| Cash Advance Charges | 2.5% of the amount withdrawn or Rs. 500 whichever is higher |
| Add-on Card Fee | Nil |
| Overlimit Charges | 2.5% of Over limit amount. Min. Rs. 550 |
| Railway Ticket Purchase Fee | 1.8% of the transaction amount + GST |
| Reissue of Lost, Stolen or Damaged Card | Rs. 100 |
| Payment Return Charges | 2% of Payment amount subject to a minimum of Rs. 450 |
| Cash Processing Fee | Rs. 100 (for all card payments made by depositing in HDFC Bank branches or ATMs) |
| Balance Transfer Processing Charges | 1% of BT amount or Rs. 250, whichever is higher |
| Late Payment Charges | For Statement Balance:
|
| Finance Charges | 3.6% p.m. | 43.2% p.a. |
HDFC Bank looks for certain criteria in their customers before accepting their credit card application. These include credit score, age, monthly income, location, and so on.
For HDFC Bharat Cashback Credit Card customers must be between 21 and 60 years of age if salaried and earning at least Rs. 12,000 per month. If self-employed they must be between 21 and 65 years of age with ITR acknowledgement declaring annual income to be Rs. 2 Lakh or more.
The Bank will seek certain documents to verify the information provided by the customer and set the credit limit on the credit card. List of eligible documents that can be presented to prove address, identity and income are given below.
| Proof of Identity | PAN card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI |
| Proof of Address | Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 month’s old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement |
| Proof of Income | Latest one or 2 salary slip (not more than 3 months old), Latest Form 16, Last 3 months’ bank statement |
Currently Paisabazaar.com does not provide HDFC Bharat Cashback Credit Card. You will have to visit HDFC Bank website or branch to apply for the credit card. Alternatively, existing HDFC customers can apply for the credit card via HDFC Bank’s mobile application.
| Credit Card | Annual Fee | Comparative Feature |
| Flipkart Axis Bank Credit Card | Rs. 500 |
|
| Standard Chartered Bank Super Value Titanium Credit Card | Rs. 750 |
|
| HSBC Cashback Credit Card | Rs. 750 |
|
| RBL Bank Edition Classic Credit Card | Rs. 500 |
|
| Kotak Delight Platinum Credit Card | Rs.1,999 |
|
Why should I choose HDFC Bharat Cashback Credit Card?
HDFC Bharat Cashback Credit Card offers users cashback on every day spends. Moreover, the card can be successfully applied for by most applicants as its eligibility criteria are quite lax. Cardholders also get cashback on everyday spends like fuel, grocery, and so on. This allows them to save on their expenditure.
Can I withdraw cash using HDFC Bharat Cashback Credit Card?
Yes, you may withdraw cash using Bharat Cashback Credit Card. You can withdraw up to your cash limit. Do note finance charge, applicable from the day transaction, will be incurred. Also, interest-free period is not provided on cash withdrawals.
What is the maximum amount of cashback that can be earned by Bharat Cashback Credit Card?
Customers can save up to Rs. 300 per month via Bharat Cash back. In a year they can save up to Rs. 3,600. Also, if they spend over Rs. 20,000 in a year they can save an additional Rs. 500, annual fee on the credit card. Thus the total savings can be of Rs. 4,100.
Does the card offer cash back on fuel transactions as well?
Yes, customers can get cashback on fuel transactions as well. Besides this, fuel surcharge waiver is also provided.
Which Payment Network is used by HDFC Bharat Cashback Credit Card?
Rupay Payment Network is used by HDFC Bharat Cashback Credit Card.
Membership rewards card is the best card compared to any card of any other bank. I mean which bank gives you 1000 points by just making 4 transactions in 1 calender month ...? none amex roxx and the cx care is next level no other bank is even 10% of amex cx care ......without thinking twice just go for it
No extra rewards or benefits. Only basic features. Could have been better.
SBI Simply Click is a good card for online shopping. I get a lot of rewards. Recommended!
The only credit card from American Express that comes with low Annual fee of Rs. 495 but offers amazing list of cashbacks and rewards that make it worth having
My job keeps me on my toes with frequent travels, thanks for American Express Platinum Travel Credit Card I get to enjoy lounge access on the days when my flights are painfully delayed
Ever since i have got this card my spending have become rewarding with amazing rewards program that Amex membership rewards card offers.
