HDFC Business Bharat Credit Card

Users can avail the following benefits on this credit card-

Cash Back- Cardholders will get cashback in the following ways-

• Cashback of 5% for Bill payment, IRCTC booking and recharges. A maximum of Rs. 150 cashback for each statement cycle combined for this category
• Cashback of 5% on Payzapp, Easy EMI or Smart Buy with a maximum of Rs. 150 cashback for each statement cycle in this category
• 5% cashback on spending on grocery
• Cash backs are retained as points and will be posted on request from the customer

Waiver of Fuel Surcharge- For all fuel transactions of Rs. 400 to 5,000, there will be a surcharge waiver of up to Rs 250 for each statement cycle.

Annual Savings- By using this card, up to Rs. 3,600 could be saved by the user annually.

Zero Liability for Lost Card- Cardholders can report a lost card immediately to a 24×7 call centre and avail the benefit of zero liability.

Secure and Safe Transactions- Chip-enabled card gives protection against transaction frauds.

Revolving Credit- This credit card provides holders with a revolving credit facility at nominal interest rates.

Free Credit Period- Up to 50 days of interest-free credit period from the purchase date is allowed provided there is no outstanding balance from the previous billing cycle.

Insurance Benefits- If minimum 4 transactions are done per month using the credit card, the customer is eligible for:

• Free coverage of Accidental Death Coverage up to Rs. 50 lakh
• Free protection from burglary and fire for 180 days for the items costing more than Rs. 5,000

Fee/Charge	Amount/Rate
Annual Fee	Rs. 500
Renewal Fee	Rs. 500
Cash Withdrawal Charges	2.5% of withdrawn amount or Rs. 500, whichever is higher
Fee for Cash Point Redemption	Rs. 99 per request
Payment Return Charges	2% of the payment amount or Rs. 450, whichever is higher
Late Payment Fee	For Statement Balance: Up to Rs. 100: Nil Rs. 101 to Rs. 500: Rs. 100 Rs. 501 to Rs. 1,000: Rs. 500 Rs. 1,001 to Rs. 5,000: Rs. 600 Rs. 5,001 to Rs. 10,000: Rs. 750 Rs. 10,001 to Rs. 25,000: Rs. 900 Rs. 25,001 to Rs. 50,000: Rs. 1,100 More than Rs. 50,000: Rs. 1,300
Finance Charges	3.75% p.m. | 45% p.a.

An applicant must meet the following eligibility criteria:

• He/she must be self-employed or self-employed professional
• The age requirement is:
• Minimum age – 21 years
• Maximum age – 65 years

Documents Required

In case of business credit cards, two-fold verification is required. This is the reason why the applicants need to submit proof of identity, address and income for themselves as well as for their business. The following set of documents may be accepted by HDFC Bank-

Proof of Identity	For Applicant- Voter’s ID, PAN Card, Passport, Driving License, etc. For Business- Business License/Registration, Partnership Agreement, Business PAN, etc.
Proof of Address	For Applicant- Voter’s ID, Driving License, Passport, Ration Card or any other government approved address proof. For Business- Partnership Agreement, Business License/Registration, etc.
Proof of Income	Latest Profit and Loss Statement, Balance Sheet, Acknowledged ITR for the past 6 months, etc.

Interested applicants may directly visit HDFC Bank’s website and apply for the card. They will need to provide some basic details like name, contact number, occupation, income, etc. Once they submit the form, a bank’s representative will call and guide them through the application process.  Another way to apply is by visiting the nearest HDFC Bank branch.

Important: Please note, the bank has discontinued Business Bharat Credit Card & it will automatically be upgraded to Business MoneyBack.

How to maximise cash back on this card?

Users can maximise the cash back points by putting bill payment, recharge and IRCTC booking transactions on this credit card. Savings can also be availed in the form of fuel surcharge waiver and renewal fee waiver on reaching the spending milestone of Rs. 50,000 in a year.

In which petrol pumps can I get the waiver of fuel surcharge?

It can be used in all petrol pumps in India. It is not limited to Bharat Petroleum only.

How can I check the Credit Card application status?

Applicants can check the status of their business credit card application by clicking here. Application Reference Number will be needed for this

Can I register for net banking for my Bharat Cash Back Credit Card?

Existing customers of HDFC Bank can register for net banking for their credit card or add their credit card to net banking if they have already registered.