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HDFC Bharat Credit Card Rating
Cashback                        ★★★
Annual Fee                     ★★★
Travel Benefits               ★★
Fuel Benefits                  ★★★
Offers & Discounts      ★★★★
Additional Benefits      ★★★
Overall Rating               ★★★

HDFC Bharat credit card is one of the popular cards offered by HDFC bank, it is best suited for individuals who wish to get decent cashback on every spend.  If you are a beginner and interested in owning a cashback credit card, this card can be the right choice for you. For your help, we have given a detailed review of the card and other similar cards so you can get the best credit card that matches your financial requirements.

Key Highlights of HDFC Bharat Credit Card
  • 5% cashback on railway ticket bookings, fuel expenses, groceries, bill payment, mobile recharge
  • Avail 5% cashback on spends on PayZapp / EasyEMI / SmartBUY
  • Get up to 50 interest-free days from the date of purchase
  • Save annually up to Rs.3600 by using the card
  • 1 reward point= Re.1
  • Up to Rs.50 lakh complimentary accidental death insurance
  • You also have the privilege of zero lost card liability option

Earn cashback on every transaction 

As HDFC Bharat is a cashback credit card, you have the option to earn cashback on purchases that you make. You will get cashback on Railway Bookings made via IRCTC, groceries, fuel transactions, mobile recharges, bill payments, SmartBuy and PayZapp.

The card enables you to save up to Rs.3600. So one can easily say, the more you purchase the more cashback will be awarded to you. However, the cashback categories are not that great in number when compared to other popular credit cards. But the card is good for beginners and people with a low annual income range of Rs.2-4 lakh annually.

Read more about Cashback Credit Cards in India

Fuel Benefits with HDFC Bharat

You get the privilege to enjoy savings with 5% monthly cashback on fuel expenses. You get-

  • 1% surcharge waiver and save up to Rs.250 in every billing cycle
  • Valid on a minimum transaction of Rs.400

Save up to Rs.3600 annually 

With HDFC Bharat, you can earn up to Rs.3600 on your purchases. For your reference we have illustrated below the savings you can do annually using this card.

Category Monthly Spends (Rs.) Annual Spends (Rs.) 5% cashback (Rs.)
IRCTC 800 10,000 500
Fuel 800 10,000 500
Groceries 800 10,000 500
Bill / Recharge 500 6000 300
PayZapp 1000 12,000 600
EasyEMI 1000 12,000 600
SmartBuy 3000 12,000 600
Total Savings on HDFC Bharat Credit Card= 3600

Does the card provide reward points too? 

The cashback you earn on your purchases will be retained as reward points and will be posted in your next statement. It can be redeemed as cashback on customer request against statement balance. So, you have the option to use the accumulated points on the varied options available.

Suggested Read: How to earn HDFC Card Reward Points?

Additional Benefits of HDFC Bharat

Apart from the cashback that the card offers, we have given below some of the added benefits that it provides-

Other Benefits

Credit

 Get up to 50 interest-free days from the date of purchase. You also have the option to enjoy revolving credit at a nominal interest rate
Safety Stay protected against any unauthorized use when you shop with EMV Chip Card technology
Zero lost card liability You are not liable for a lost/stolen card if the same is reported within 24 hours
Insurance Coverage Get up to Rs.50 lakh accidental death insurance

Is Rs.500 Annual Fee justified?

The HDFC Bharat Credit Card comes with a low annual fee of Rs.500. It is true to say that the cashback provided by the card on varied categories is not that great as compared to other HDFC credit cards. Hence, for your reference, we have given below the primary features and fees and charges associated with the card. Your annual fee will also get waived off on spending Rs.20,000 annually.

Primary Features Fees / Charges
Annual Fee Rs.500
Late Payment Charges  Zero charges if bill amount less than Rs.100 Charge ranges from Rs.100 – Rs.750 depending on the bill amount

Should you go for HDFC Bharat Credit Card? 

This question might be running in your mind. So, to make the decision easier for you, we have laid down certain parameters that will help you in making the right decision. The card is ideal for you if you-

  • Are looking for a card with a low annual fee
  • Are looking for a card that offers fuel benefits
  • Shop frequently via PayZapp or SmartBuy
  • Wish to earn huge cashback on your monthly or annual spends
  • Refrain from putting major expenses on credit cards
  • More inclined towards earning cashback than gaining rewards

Limitations of HDFC Bharat Credit Card

While the card certainly offers great cashback in many categories, there are some limitations associated with it. We have listed down some of the drawbacks of the card-

  1. HDFC Bharat does not come with many shopping benefits.
  2. For entertainment and movies, the card does not have much to offer.
  3. The card does not provide any discount on dining.
  4. No air miles or lounge access benefits or any other exclusive discount.
  5. No milestone rewards are earned through this card.
Check out other popular HDFC Credit Cards

 

Similar Credit Cards to Consider

Credit Card Annual Fee Comparative Feature
BPCL SBI Card Octane Rs.1,499
  • 25X Reward Points on fuel purchases at BPCL petrol pumps
Standard Chartered Bank Super Value Titanium Credit Card Rs. 750
  • 5% cashback on fuel, phone and utility bill payments
  • Min. 0.50% cashback on all spends
BPCL SBI Card Rs. 499
  • Up to 4.25% Value Back on Fuel Expenses
RBL Bank Edition Classic Credit Card Rs. 500
  • Up to Rs. 5.00 Cashback per Rs. 100 spent
  • Min. Re. 1.00 cashback on spends
Kotak Delight Platinum Credit Card Rs.1,999
  • Up to 10% cashback on dining spends

Bottom Line

HDFC Bharat is best suited if perhaps, you are looking for some good cashback returns. However, since the card does not offer any additional category discount, the card is not that of a good choice if in case you are looking for exclusive discounts. We believe that this card provides many benefits but falls behind when compared to other similar cashback credit cards. So if this card is not sufficient enough to cater to your requirements, you can explore other options like Citi Cash Back and ICICI Amazon Pay.

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