HDFC Bank 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. That is why HDFC bank has launched this hdfc basic credit card to offer a seamless credit card experience to first-time users. 

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?

Credit card eligibility in hdfc bank:

You need to fulfill these hdfc credit card requirements to be eligible for this card. 

  • Resident Type: Indian
  • 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
  • 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 bank bharat credit card

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

Required documents to apply for 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 this id to track your credit card application. Visit our FAQ page to know; how to track hdfc credit card application status using the application id.

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.

Benefits:

  • Attractive hdfc bank credit card cash back 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 cash back 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 cash back offers on hdfc credit card

The cash backs are given in the form of 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 points 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. 

  • Freedom from fuel surcharge:

This hdfc bank card offers a 1% waiver on fuel surcharges. This hdfc bank credit card 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

  • Huge annual savings:

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 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

If you can’t use your new credit card for online transactions that means, the hdfc credit card online transaction is turned off on the hdfc new credit card , but you can turn it on manually. visit our FAQ page to know; how to enable online transaction in hdfc credit card.

  • Zero lost card liability coverage:

On this bharat credit card hdfc bank offers lost cars liability coverage, which gives you freedom from the liabilities related to your lost/stolen card. To enjoy the benefits of the coverage, you just have to report the missing card 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?

  • Cutting edge security:

HDFC bank has installed the Advanced EMV chip on this card. The EMV chips on new credit cards are more secure than the previous magnetic strips. The new advanced EMV chips are highly encrypted which makes it nearly impossible to make a clone of this card.  

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. 

Hdfc bharat credit card charges:

  • Credit card cash advance fee 2.5% against the transaction amount, min Rs. 500, check your hdfc credit card cash 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.
  • Foreign currency transaction charge: 3.5% against the transaction amount. 
  • Hdfc international credit card transaction fee: Free for a lifetime. 

How to contact hdfc credit card customer care?

  • Call the hdfc card customer care no: 1800-266-4332 (Toll-free) or 022-616-6161
  • Write to the hdfc credit card customer care email id: [email protected] 

If you don’t want to continue with your current credit card, then you can close hdfc credit card account very easily, visit our FAQ page to know; how to close hdfc credit card account permanently? You can click here to download the HDFC credit card closure form.

100xGain Ratings: 

7/10

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 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 is no movie or entertainment-related benefits on this card that can disappoint movie lovers. But if you want to earn cash backs from your daily expense, this will be the best hdfc bank credit card for you.  

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