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HDFC Bharat Cashback Credit Card – For Rewards and Cashback

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Updated: 03-01-2022 13:06:00 PM

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 is quite relaxed and you can earn cashback on everyday spends. Read on to know more about this card.

Key Highlights of HDFC Bharat Cashback Credit Card

  • Annual Fee: Rs. 500
  • Best suited for cashback
  • 5% cashback on IRCTC rail ticket booking, fuel, groceries, bill payment, mobile recharges, payments made through PayZapp
  • Fuel surcharge waiver

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Note: This Card is not available on Paisabazaar.com. The content on this page is for information only. To express interest in this card, please visit HDFC Bank’s website.

Suggested read: Best Credit Cards in India

On this page

HDFC Bharat Cashback Credit Card – Features and Benefits
HDFC Bharat Cashback Credit Card – Fees & Charges
HDFC Bharat Cashback Credit Card – Eligibility Criteria
How to Apply for HDFC Bharat Cashback Credit Card
Cards similar to HDFC Bharat Cashback Credit Card
HDFC Bharat Cashback Credit Card – FAQs
HDFC Bharat Cashback Credit Card – Features and Benefits

Given below are the top features and benefits of HDFC Bharat Cashback Credit Card:

Cashback: The various categories on which cashback can be earned along with the maximum amount are given below:

  • 5% cashback on IRCTC ticket bookings, groceries, bill payment and mobile recharges. 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.
  • 5% monthly cashback on fuel expenses

Fuel Surcharge Waiver: 1% fuel surcharge waived off at fuel stations. This offer is valid only on transactions above Rs. 400 and the user can save up to Rs. 250 per statement cycle.

Annual Fee Waiver: Annual fee is waived off when a cardholder spends Rs. 50,000 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 bill.

Suggested read: Best Cashback Credit Cards

HDFC Bharat Cashback Credit Card – Fees & Charges

The fees and charges applicable to HDFC Bharat Cashback Credit Card are as follows:

Fee/ChargeAmount
Annual FeeRs. 500 (waived off on spending Rs. 50,000 in a year)
Late Payment ChargesFor 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. 25,000 to Rs. 50,000 – Rs. 1,100
  • Over Rs. 50,000 – Rs. 1,300
Finance Charges3.6% p.m. | 43.2% p.a.

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

HDFC Bharat Cashback Credit Card – Eligibility Criteria

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 to 60 years of age if salaried and earning at least Rs. 12,000 per month. If self-employed an applicant must be between 21 to 65 years of age with ITR acknowledgement declaring annual income of Rs. 2 lakh or more.

The bank will seek certain documents to verify the information provided by the customers and set the credit limit on their credit cards. The list of eligible documents required at the time of application is given below:

Proof of IdentityPAN 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 AddressAadhaar 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 IncomeLatest one or 2 salary slip (not more than 3 months old), Latest Form 16, Last 3 months’ bank statement
How to Apply for HDFC Bharat Cashback Credit Card

Currently, Paisabazaar.com does not provide HDFC Bharat Cashback Credit Card. You can visit HDFC Bank’s website or branch to apply for this credit card. Alternatively, existing HDFC customers can apply for the credit card via HDFC Bank’s mobile application.

Cards similar to HDFC Bharat Cashback Credit Card

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

Credit CardAnnual FeeComparative Feature
Flipkart Axis Bank Credit CardRs. 500Upto 5% cashback
Standard Chartered Bank Super Value Titanium Credit CardRs. 7505% cashback on fuel, phone and utility bill payments
HSBC Cashback Credit CardRs. 7501.5% cashback on all online spends
RBL Bank Edition Classic Credit CardRs. 500Up to Rs. 5% cashback per Rs. 100 spent
Kotak Delight Platinum Credit CardRs. 1,999Up to 10% cashback on dining spends
ICICI Bank HPCL Super Saver Credit CardRs. 5005% back in reward points on grocery, departmental stores and utility bill spends
Explore More HDFC Credit Cards
HDFC Bharat Cashback Credit Card – FAQs

Why should I choose HDFC Bharat Cashback Credit Card?
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.

Can I withdraw cash using HDFC Bharat Cashback Credit Card?
Yes, you can withdraw cash using 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.

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 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.

Does the card offer cashback on fuel transactions as well?
Yes, customers can get cashback on fuel transactions as well. Besides this, a 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.

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