HDFC Bank
HDFC Bank Bharat Credit Card
Your rating
Community rating
Joining Fee
₹500
Annual Fee
₹500
Reward Rate
5%
Forex Markup
3.5%
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Key Benefits
Rewards
How you earn back on every swipe
cashback
Reward type
5%
Earn rate
₹1
Per point
₹150
Monthly cap
Fees & Charges
Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other charges are set by the bank and spelled out in their Most Important Terms and Conditions (MITC). Use the official product page for those details.
Travel & Lounge Access
Airport perks included with this card
0 per quarter
Domestic lounge visits
0 per year
International lounge visits
Things to Keep in Mind
- Monthly CashBack cap on each category
- No CashBack on non-essential retail, travel, dining
Card Features
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
Eligibility
Employment type
Pros & Cons
- Annual fee ₹500 waived on ₹50,000 annual spend.
- Up to 5% cashback on eligible spends (caps apply).
- Best for: Rural and semi-urban users — 5% cashback on fuel, groceries, utilities
- Households in rural, semi-urban, or smaller cities who want straightforward cashback on fuel, groceries, and utility bill…
- The HDFC Bank Bharat Credit Card is designed for rural and semi-urban India, offering a flat 5% cashback on fuel,…
- With a low ₹500 annual fee (waived on ₹50K spend) and a RuPay network enabling UPI payments, it's a practical everyday…
- Monthly CashBack cap on each category
- No CashBack on non-essential retail, travel, dining
- High revolving APR — up to ~42% p.a. on balances.
- Rewards capped around ₹150/month on categories.
- ~3.5% forex markup on international spends.
Who is this card for?
Households in rural, semi-urban, or smaller cities who want straightforward cashback on fuel, groceries, and utility bill payments without complex reward structures.
Quick Links
Data last updated 24 Mar 2026