HDFC

HDFC Bank Bharat Credit Card

Apply for HDFC Bank Bharat Credit Card and earn 5% cashback on fuel, groceries, IRCTC tickets, mobile recharges, bill payments. Best for everyday spenders.

TravelUtility Bills
Apply Now View More Cards
Issued by

HDFC

HDFC Bank Bharat Credit Card image
Joining Fee₹500
Annual Fee₹500
Income₹25000
Credit Score720

Key Highlights

Travel

Earn 5% Cashback on IRCTC Ticket Bookings

on train ticket bookings made through IRCTC every month; capped at ₹150 per month across combined categories

Utility Bills

Earn 5% Cashback on Bill Payments & Mobile Recharge

on eligible electricity, water, broadband and mobile recharge transactions; capped at ₹150 per month across combined categories

Get ₹1,000 Cashback

on PayZapp app shopping across 200+ partner brands

Earn 5% Cashback on Bill Payments & Mobile Recharge

on eligible electricity, water, broadband and mobile recharge transactions; capped at ₹150 per month across combined categories

Earn 5% Cashback

on spends at PayZapp, EasyEMI and SmartBuy; capped at ₹150 per month

Earn 5% Cashback on IRCTC Ticket Bookings

on train ticket bookings made through IRCTC every month; capped at ₹150 per month across combined categories

Eligibility

Age Criteria21-60

Applicants must be between 21 and 60 years at the time of application.

Credit Score720

A CRIF score of 720 or above is required as per the bank’s eligibility criteria.

Salaried Income₹2 LPA

Minimum Annual Income of ₹2 LPA is required to apply for the HDFC Bharat Credit Card Credit Card, as per bank eligibility.

Self-employed Income₹2 LPA

Minimum Annual Income of ₹2 LPA is required to apply for the HDFC Bharat Credit Card Credit Card, as per bank eligibility.

Employment TypeSelf Employed, Salaried
New to CreditEligible

Fees & Waivers

Joining Fee₹500

A one-time joining fee of ₹500 plus applicable taxes is charged at the time of card issuance as per the bank's policy.

Joining Fee OffsetThe joining fee is not offset by any bonus or credit.
Annual Fee₹500

Not Applicable

Annual Fee WaiverThe annual fee is waived if you spend ₹50 thousand or more in a year on your card, as per bank policy.
Estimated Annual Saving₹3599

Rewards & Redemption

Reward ConversionN/A
Redemption Options

This is a cashback card, and the earned cashback is adjusted directly in your monthly statement.

Earning ExclusionsWallet Loads, Rent Payments, Government Payments, Educational Fees,EMI Spends
Spend ExclusionsWallet Loads, Rent Payments, Government Payments, Educational Fees,EMI Spends

Benefits

All Benefits

  • Earn 5% monthly Cashback on IRCTC Bookings, cashback counted within ₹150 monthly cap
  • Upto ₹1,000 cashback on in-app shopping across 200+ brands via PayZapp
  • Earn 5% cashback on spends on PayZapp, EasyEMI & SmartBuy; 1 Reward Point = ₹1; combined cashback capped at ₹150 per month across all 5% categories
  • Earn 5% cashback on fuel, grocery, bill payments & mobile recharge; combined cashback capped at ₹150 per month across all 5% categories
  • Get up to 10% cashback on flight & hotel bookings, gift vouchers & more via SmartBuy

Flight Benefits

  • Earn up to 10% Cashback on Flight & Hotel Bookings, Gift Vouchers & more via SmartBuy

Railway Benefits

  • Earn 5% monthly Cashback on IRCTC Bookings, cashback counted within ₹150 monthly cap

Fuel Benefits

  • Earn 5% monthly Cashback on Fuel Spends, cashback capped at ₹150 per month (combined categories)

Fuel Surcharge Waiver Benefits

  • Avail 1% fuel surcharge waiver on transactions of ₹400 or more, capped at ₹250 per statement cycle

Bank Offers

  • Link card on PayZapp to earn extra Cashback and Reward Points on Bill Payments and Mobile Recharge
  • Up to ₹1,000 cashback on in-app shopping across 200+ brands

Documents

PAN Card
Aadhaar Card or valid address proof
Latest salary slips or income proof
Recent bank statements

Terms

Only MCCs recognized by RuPay for eligible categories will earn cashback.

FAQ

Apply Now