HDFC Bharat Credit Card Review

The hdfc bank bharat credit card is among the several popular credit cards offered by HDFC bank. It is a very unique credit card designed to offer extra cashback on every credit card transaction. Handling a credit card can sometimes be difficult, especially if the user is a beginner in this field. And this hdfc basic credit card can be helpful for them because of its simplicity.

Apart from the cash backs, you will get a waiver on fuel surcharges, lost card liability coverage, and the security of the advanced EMV chip.  So now let’s take a closer look at the benefits of hdfc credit card and see how much savings it can offer us?

What is the hdfc bank bharat credit card eligibility criteria?

  • Resident Type: Indian
  • HDFC bank credit card eligibility criteria for salaried person:
    • Age: The age of the applicant should be between 21 to 60 years. 
    • Income: Average monthly income should be above Rs. 12,000
  • HDFC credit card eligibility criteria for self-employed person:
    • Age: The age of the applicant should be between 21 to 65 years. 
    • Income: Annual Income Tax return should be greater than Rs. 2 lakh. 
  • A long relationship with the bank will help you to get this hdfc bharat credit card
  • A good credit score (above 760) is needed to apply for this hdfc bharat cashback card

If you are confused with the hdfc credit card application process, then feel free to visit our HDFC faq page to know how to apply for hdfc bank credit card online? 

What documents are required to apply for the hdfc bank bharat credit card?

  • Photocopy of Address proof (any 1)
    • Last 6 months bank account Statement
    • Aadhar Card
    • Driving License
    • Passport
    • Utility bills
  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Two recent passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      • Salary Slip of last 3 months
      • ITR (Income Tax Return) 
    • Self-employed person
      • Income tax return of the last year
      • Proof of business

Once your online application for hdfc credit card is submitted successfully, you will get an application id, you can use that to track your credit card application. Visit the 100xGain faq page to know; how to track hdfc credit card application status using the application id?

What are the hdfc bank bharat credit card fees?

  • HDFC bharat credit card joining fee: Rs. 500 + GST
  • HDFC bharat credit card annual fee: Rs. 500 + GST

There are lots of online hdfc bank credit card bill payment options available. You can make hdfc credit card payment via payzapp or from your hdfc card online banking account. But if you don’t like the online method, then feel free to visit our FAQ page to know about the offline hdfc bank credit card bill payment options.

What are the hdfc bharat credit card benefits?

  • Attractive hdfc bank credit card cashback offer:

This uniquely designed hdfc bharat cashback credit card is best for offering cash backs. The Spend categories are divided into two main types; Type – A and Type – B. You can get a clear idea from the table given below.

Type – A
Category Cashback
IRCTC ticket booking.   5% monthly.                 
Fuel purchase using this card.  5% monthly. 
Grocery spends.  5% monthly. 
Mobile recharges and bill payments.  5% monthly. 
Type – B
Category Cashback
Spends made through PayZapp, Smart Buy, or EasyEMI.  5% monthly. 

You can earn a maximum monthly credit card cashback of Rs. 150 from Type-A. And the maximum possible cashback amount from the Type – B is also Rs. 150. Recharges done along with mobile phone purchases or payments done at mobile shops are not eligible for earning cashback.  

The hdfc credit card cashback offers are not applicable for wallet top-ups or if the spend types overlap, for example, if you make any type A spending through PayZapp or you will not get any cash backs. Only the merchants recognized by the credit card network are eligible for the cashback offers on hdfc credit card

The cash backs are given in the form of hdfc cashpoints. You can see your total earned points in your monthly hdfc credit card statement or from your hdfc net banking credit card account. You can also redeem hdfc credit card into cash, the value of 1 reward point in hdfc credit card is equal to Rs. 1.

You can get your hdfc bank credit card online statement from the android app for hdfc credit card, click here to know the complete process. 

  • Enjoy freedom from fuel surcharge:

This hdfc bank card offers a 1% waiver on fuel surcharges. This fuel surcharge waiver offer is applicable at any fuel station in India. The minimum eligible transaction amount is Rs. 400 and you can earn a maximum of 250 waivers in a billing cycle of hdfc credit card

  • Earn huge annual savings from milestone expenses:

Using this hdfc bharat cashback card you can make up to Rs. 3,600 annual savings. You can follow the spending strategy given below to get the maximum benefit out of your HDFC bharat fuel card. 

Spend category Monthly transaction      

Annual transaction     

Total cashback        

Type – A
Fuel purchase.  Rs. 800 Rs. 10,000 Rs. 500
IRCTC ticket booking. Rs. 800 Rs. 10,000 Rs. 500
Spend on Groceries.  Rs. 800 Rs. 10,000 Rs. 500
Mobile recharge/bill payment  Rs. 500 Rs. 6,000 Rs. 300
Type – B 
Easy EMI Rs. 1000 Rs. 12,000 Rs. 600
SmartBuy Rs. 1000 Rs. 12,000 Rs. 600
Payzapp Rs. 1000 Rs. 12,000 Rs. 600
Total – Rs. 3,600

The hdfc credit card online transaction feature is temporarily disabled on new credit cards, So if you want to know how to enable online transactions in hdfc credit card? then feel free to take a look at our faq page.

  • Complimentary lost card liability coverage to stand for you:

On this bharat credit card hdfc bank offers lost card liability coverage. That means if your bharat card ever gets lost or stolen, then you just have to report it by calling the hdfc 24×7 customer care number and you will no longer be liable for anything bad that may happen to your card.

You can also block your card instantly using your hdfc card app. You can also visit our FAQ page to know; how to block and unblock hdfc credit card?

  • Security of the Advanced EMV Chip:

With this bharat credit card hdfc bank offers the security of the advanced EMV chip. These advanced chips use a next-generation encryption method, making your hdfc bharat card nearly impossible to clone.  

But if you notice something unusual or suspicious with your hdfc bharat credit card, you should inform the hdfc bank credit card department by calling the hdfc 24 hours customer care number. 

What are the hdfc bharat credit card charges?


Payable amount

HDFC credit card cash advance fee 2.5% against the transaction amount, min Rs. 500, check your available HDFC Bharat Credit Card limit before making a withdrawal
HDFC credit card finance charges The hdfc credit card interest rate is 3.6% monthly or 43.2% annually. Applicable even if the hdfc credit card minimum due amount is paid
HDFC credit card international transaction charges 3.5% against the transaction amount
HDFC international credit card transaction fee Free for a lifetime 

How to contact hdfc credit card customer care department?

If you don’t want to continue with your current hdfc bank credit card and want to close it, then visit our FAQ page to know; how to close hdfc credit card account permanently? The HDFC credit card closure form is available here.

100xGain Ratings: 


Pros and Cons of the hdfc bharat cashback credit card:



  • You will get an attractive monthly cashback on fuel expenses.
  • This hdfc bank bharat cashback credit card offers a handsome waiver on fuel surcharges.
  • The hdfc bank bharat credit card charges seem quite reasonable.
  • Apart from full benefits, you can’t expect anything from this hdfc bank bharat cash back credit card.

Final Opinion:

Now the question is whether you should go for this card or not? But first, we should talk about the advantages and disadvantages of hdfc bank bharat credit card . Let’s start with the advantages first; this card offers cash backs on almost every purchase made with this hdfc credit card, you can even earn some cash backs from fuel purchases. Apart from that, it offers fuel surcharge waivers, lost card liability coverage, etc. 

But there are no movie or entertainment-related benefits on this hdfc bharat fuel card that can disappoint movie lovers. But if you want to earn cashback from your daily expenses, this will be the best hdfc bank credit card for you. Also, if you want to compare some more options then make sure to take a look at the alternative card options given below.

Alternative Cards of HDFC Bank Bharat Credit Card: 

  1. HDFC platinum plus credit card (Best for reward points and low-cost EMI facility)
  2. Indian oil hdfc credit card (Best for offering fuel benefits) 
  3. LIC visa platinum credit card (Best for reward points and EMI facility)
  4. Ubi usecure credit card (Best for reward points and travel benefits) 

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