HDFC Bank
HDFC Bank Bharat Credit Card
Entry-level Visa with cashback for enhanced savings
₹500/yr annual fee · 1x rewards
By FinWiz24 Research Desk · Last reviewed · How we review
FinWiz24 Research Desk
Verified independently against issuer Terms & Conditions
Editorial Team
-
Best for
- First-time cardholder
- Cashback seeker
-
What we like
- Simple 1% cashback on all spend
- Low joining and annual fee
- Low ₹50,000 waiver threshold
-
Watch out for
- Only 1% cashback (low earn rate)
- ₹500/month cashback cap
- Standard 3.5% forex markup
Annual fee
₹500/yr
Reward rate
1x
Min. income
₹2,50,000
Forex markup
3.5%
Lounge access
None
Eligibility
₹2.50 lakh/yr · CIBIL 700+
Reward cap
₹500/month
Welcome benefit
None beyond the reward rate
Who is this for
- First-time cardholder
- Cashback seeker
What we like
- Simple 1% cashback on all spend
- Low joining and annual fee
- Low ₹50,000 waiver threshold
Watch out for
- Only 1% cashback (low earn rate)
- ₹500/month cashback cap
- Standard 3.5% forex markup
Issuer
Headquarters
Mumbai, Maharashtra
Established 1994
Website
www.hdfcbank.comHDFC Bank is an RBI-regulated entity. See RBI's Master Directions on Credit Cards for the regulatory framework.
Fees 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 |
| Forex markup | 3.5% | Not waivable |
| Late payment | ₹750 | Not waivable |
| Cash advance | 2.5% of amount | Not waivable |
| Fuel surcharge | 1% | 1% surcharge waived on fuel transactions between ₹400 and ₹4,000 (max ₹500/month) |
Rewards
| Spend category | Rate | Cap | Redemption |
|---|---|---|---|
| All spends | 1.0 | ₹500/month | 1.00 |
| UTILITY | 1.00 | ₹500/month | 1.00 |
Benefits
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Cashback on Every Spend Highlight
1% cashback on retail and utility bill spend — straightforward savings.
-
Fuel Surcharge Waiver
1% surcharge waiver on fuel transactions between ₹400 and ₹4,000 (max ₹500/month).
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Low Annual Fee
₹500 annual fee waived on just ₹50,000 in annual spend.
Eligibility
- Age
- 21–60 years
- Min. income
- ₹2,50,000
- Min. credit score
- 700+
- Score note
- Decent credit card required
- Employment
- Salaried, self-employed
- Documents
- PAN, Aadhaar (DigiLocker sufficient), salary slip / ITR for self-employed
HDFC Bank Bharat Credit Card is an entry-level Visa with simple cashback for first-time cardholders. It targets beginners who want straightforward savings without complex reward structures.
Fees and rewards
- Joining fee: ₹500 (non-waiver)
- Annual fee: ₹500, waived on annual spends ≥ ₹50,000
- Rewards: 1% cashback on retail and utility bill spend (max ₹500/month)
- Forex markup: 3.50%
Cashback benefits
- 1% cashback on every retail and utility bill spend
- 1% fuel surcharge waiver (max ₹500/month)
- Low annual fee waiver threshold of ₹50,000
Eligibility
Minimum annual income ₹2,50,000 (salaried) / ITR-based for self-employed. Decent credit score required.
Card data is compiled from the issuer’s published fee schedules. Last reviewed 2026-09-26.
Step-by-step application guide: Read the HDFC Bank Bharat Credit Card apply walkthrough →
Apply for HDFC Bank Bharat Credit Card
Last reviewed · How we review
FinWiz24 may earn a commission from issuer links. Our editorial process is independent and unbiased.
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Frequently asked questions
Is the HDFC Bank Bharat Credit Card worth it?
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Does the HDFC Bank Bharat Credit Card offer airport lounge access?
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Disclaimer: Card details are based on publicly available issuer schedule of charges. Eligibility and approval are at the issuer’s sole discretion. FinWiz24 does not guarantee card approval or specific terms. Always read the issuer’s terms and conditions before applying.
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