HDFC Bank
HDFC Bank Bharat Credit Card
Best for rewards, everyday
₹500/yr annual fee
By FinWiz24 Research Desk · Reviewed by FinWiz24 Research Desk · How we review
Annual fee
₹500/yr
Reward rate
Not published
Min. income
₹2,50,000
Forex markup
3.5%
Lounge access
None
Eligibility
₹2.50 lakh/yr · CIBIL 650+
Reward cap
₹2,000/month
Welcome benefit
None beyond the reward rate
Who is this for
- Rewards optimiser
What we like
- 5X rewards on grocery spends
Watch out for
- 2.5% cash-advance fee
- 3.5% foreign-transaction markup
Issuer
Headquarters
Mumbai, Maharashtra
Established 1994
Website
www.hdfcbank.comFees and charges
| Fee | Amount | Waiver |
|---|---|---|
| Joining fee | ₹500 | Not waivable |
| Annual fee | ₹500 | Waived on annual spends ≥ ₹50,000 |
| Renewal fee | ₹500 | Waived on annual spends ≥ ₹50,000 |
| Late payment | ₹500 | Not waivable |
| Cash advance | 2.5% of amount | Not waivable |
| Forex markup | 3.5% | Not waivable |
| Fuel surcharge | 1% | 1% surcharge waived on fuel between ₹400 and ₹10,000 (max ₹250/month) |
Rewards
| Spend category | Rate | Cap | Redemption |
|---|---|---|---|
| All spends | 2.00 | — | 0.25 |
| GROCERIES | 5.00 | ₹2,000/month | 0.25 |
Benefits
-
Fuel surcharge waiver
1% fuel surcharge waiver on fuel between ₹400 and ₹10,000 (max ₹250/month) — 1% waiver
-
Welcome benefits
Welcome voucher on card activation and milestone vouchers on annual spends
-
5X rewards on grocery spends Highlight
5X Reward Points on grocery and supermarket spends — 5X
Eligibility
- Age
- 21–65 years
- Min. income
- ₹2,50,000
- Min. credit score
- 650+
- Score note
- Stable income
- Employment
- Salaried, self-employed
- Documents
- Bharat mass-market rewards card
HDFC Bank Bharat Credit Card is a MASTERCARD credit card from HDFC Bank. It is best suited for rewards, everyday.
Fees and rewards
- Annual fee: ₹500
- Joining fee: ₹500
- Rewards: 2 reward points per ₹150
Eligibility
Bharat mass-market rewards card
Card data is compiled from the issuer’s published fee schedules and is reviewed weekly. High-confidence record. Status: active.
Apply for HDFC Bank Bharat Credit Card
Last reviewed · How we review
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