HDFC Bank Bharat Credit Card-Reward Points|Benefits|Eligibility

HDFC Bank Bharat Credit Card is a Rupay variant credit card that is specially made for middle-class families. It will help you to earn reward points on travel, bookings, recharges, groceries, and more.

Below we will provide every possible detail that will help you to know more about HDFC Bharat Credit Card.

Key Features Of Bharat Credit Card

HDFC Bharat Credit Card has some exciting features that make it a perfect buy for people with average monthly income. The details have been published below.

  • Bharat Credit Card comes in 2 categories that are A and B.
  • Utility Bill Payment, Recharges, Travel, Groceries, and fuel comes in Category ‘A’.
  • Category ‘B’ consists of Payzapp, Smartbuy, and EasyEmi payments.
  • It will also ensure safety and credit card protection to its customers.
  • People with an average income can also apply for this Bharat Credit Card.
HDFC Bank Bharat Credit Card

Benefits Of HDFC Bharat Credit Card

HDFC Bank Bharat Credit Card is a basic card but still, it will provide exciting benefits and rewards in this price range so that an average earner can surely go for this credit card.

  • First, Category ‘A’ expenses will witness cashback offers and rewards which include travel, groceries, fuel, and bill payment.
  • Booking from IRCTC by using Bharat Credit Card will result in a 5% cashback.
  • 5% cashback on fuel transactions and 1% fuel surcharge waiver on minimum transaction of 400 rupees. However, a maximum of Rs. 250 fuel surcharge waiver will be given per month.
  • Get 5% of cashback by purchasing groceries from Super Mart, Shopping Malls, etc.
  • HDFC Bharat Credit Card will give 5% cashback on mobile recharge and utility bill payments.
  • Category ‘B’ includes payment on Payzapp, Smart Buy, and EasyEmi and you can earn 5% cashback every month.
  • However, there is a capping of 150 rupees on cashback every month for the A and B category combined.

Creditors are competing to be the best, which is great news for consumers who may now obtain a First Progress Platinum credit card even if they have a poor credit history.

Total Annual Savings

With HDFC Bank Bharat Credit Card you can save upto maximum of 3,600 rupees annually. Below we will give you a savings chart that will help you to understand more.

HDFC Bank Bharat Credit Card Annual Savings
HDFC Bank Bharat Credit Card Annual Savings

Eligibility Criteria

In order to get the approval for Bharat Credit Card, you need to fulfill the basic eligibility criteria for which all the details have been published below.

  • Only Indian Citizens can apply for this credit card.
  • Salaried individuals must possess a minimum salary of 12,000 rupees or above and their age must be 21 years to 60 years.
  • Similarly, a self-employed person requires an annual salary of 2 lakh rupees and age must be between 21 to 65 years old.


HDFC Bharat Credit Card does not require piles and bundles of documents for instant approval. You need to submit 2 or 3 documents for approval.

  • Applicant Photograph
  • ITR Copy or Bank Statement.
  • Pan and Aadhar Card.
  • Address and Identity Proof.

How To Apply Bharat Credit Card Online?

HDFC Bharat Credit Card can be applied by both the HDFC and Non-HDFC bank customers online. The process has been mentioned below.

HDFC Bank Customer

Non HDFC Bank Customer

  • Visit this link
  • Enter your mobile number and fill in the captcha code.
  • Click on “Continue” and you will get a call from your nearby HDFC branch.

HDFC Bharat Credit Card Joining And Annual Fees

There is a basic joining and annual fee charged by the HDFC Bank from the Bharat Cardholders. The details are described below.

  • Joining Fee- 500 Rupees+GST
  • Annual Fee- 500 Rupees+GST

HDFC Other Credit Cards

There are few more credit cards offered by the HDFC Bank and their details will be provided by the link below. Click on them and read all the details.

HDFC Bank Freedom Credit Card, Benefits, Review, Charges

👉HDFC Bank Millennia Credit Card, Benefits, Apply, Review

HDFC Bank Regalia Credit Card, Benefits, Review, Reward Points

HDFC Bank Diners Club Black Credit Card-Benefits|Rewardz|Miles

👉HDFC Bank Regalia First Credit Card, Benefits|Rewards|Eligibility

HDFC Bank Infinia Credit Card, Features, Rewards, Eligibility,

MoneyBack HDFC Bank Credit Card


As per our review and understanding if you desperately needed a credit card in low income then you can surely purchase HDFC Bank Bharat Credit Card. As there is no requirement for a lot of paperwork and further documentation.

However, it is advised to do proper research before buying any credit card because any wrong selection will result in heavy debt and you will be left empty pocket.

FAQs (Frequently Asked Questions)

What Is HDFC Bharat Credit Card?

Bharat Credit Card is made for those people who wanted to enjoy the benefits of credit cards on a low salary. It is powered by Rupay network gateway and can be applied with a minimum salary of 12,000 rupees per month.

Can I Turn My Reward Points Into Cashback?

Yes, HDFC bank provides cashback against the reward points earned by the Bharat Credit Cardholders. You need to call the HDFC Bank Credit Card Customer Care Number.

Does It Offer Fuel Surcharge Waiver?

Yes, you can get a 1% fuel surcharge waiver on a minimum transaction of 400 rupees. The maximum waiver of 250 rupees will be given per month.

Disclaimer: All the information published here are for informational and educational purposes only. Moreover, all these information are researched from official sources. However, we will not warranty the information to be accurate and completed. Do not share your bank details or personal details in the comment box. For more queries visit the official website.

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