HDFC Bharat Credit Card

1. 5% cashback on railway bookings made on the IRCTC website or mobile application.
2. 5% cashback on grocery spends.
3. 5% cashback on fuel spends.
4. 5% cashback on all bill payments and recharges made using your card.
5. 5% cashback on all EasyEMI transactions and SmartBuy transactions.

Note: You will earn cashback as points which can then be redeemed as cashback.

Fuel Surcharge Waiver

1. Enjoy a waiver on the 1% fuel surcharge that is applied to fuel transactions made using your card.
2. To enjoy this waiver, the transaction amount needs to be Rs.400 and the maximum cash back per statement cycle is Rs.250.

Savings

1. Save up to Rs.3,600 every year with the cashback you earn with this card. Here's a table illustrating how:

Add the 1% fuel surcharge waiver and you can save up to Rs.3,600 annually.

Insurance Coverage

Make a minimum of 4 transactions worth Rs.100 each month and enjoy the following complimentary insurance coverage:

1. Up to Rs.50 lakh accidental death insurance.
2. Up to Rs.2 lakh purchase protection in case of loss of a product due to burglary or fire.

Renewal Fee Waiver

1. Spend a minimum of Rs.50,000 in the year prior to your card renewal date and enjoy a waiver on the renewal fee or annual fee of Rs.500.

Zero Lost Card Liability

1. If your card goes missing or has been stolen, notify the bank immediately by calling their customer service centre. Once this is done, you will not be held liable for any unauthorised or fraudulent transactions made using your card.

HDFC Bank Bharat Cashback Credit Card Limit

The credit limit on your card is the amount you can spend without incurring any over limit penalties.

This limit differs from person to person and will be intimated to you by the bank. The reason for the difference in credit limit is because this limit is based on a number of factors. These factors include your employment status, your credit repayment history, your current debt obligations, and your credit score.

Reward Point Benefits

1. The Bharat Credit Card is a cashback credit card; however, you earn the cashback in the form of Reward Points.
2. You get 5% cashback on your spends in the form of points. 1 Reward Point = Rs.1.
3. The cashback you earn for railway bookings, fuel spends, groceries, and bill payments is capped at Rs.150 per month. While the cashback earned on PayZapp transactions or on SamrtBuy and EasyEMI is capped at Rs.150 per statement month.

How to Redeem Reward Points Earned

Your Reward Points can be redeemed for cashback on request.

To know more about how you can convert the points you have earned to cashback, please contact the HDFC bank credit card customer care.

Alternatively, you can visit your local branch to find out how you can place this request.

HDFC Bank Bharat Cashback Credit Card - Fees and Charges

Eligibility for the HDFC Bank Bharat Credit Card

Here are the eligibility criteria for this credit card:

Salaried Individuals

1. Age: Minimum 21 years and Maximum 60 years.
2. Income: Gross monthly income greater than Rs.12,000.

Self-employed Individuals

1. Age: Minimum 21 years and Maximum 60 years.
2. Income: Income tax returns higher than Rs.2 lakh per annum.

Documents Required

The documents required to apply for this card will be intimated to you when you apply for the card. In general, however, here is a list of the documents you may have to provide:

1. Identity-related documents: This can include your PAN card, Aadhaar card, and passport among other documents.
2. Address proof documents: This can include your passport, Aadhaar card, ration card, among others.
3. Income proof documents: These documents can include your payslip, income tax returns, Form 16, etc.

How to Apply for the HDFC Bank Bharat Credit Card Online

You can apply for credit card on the bank's website.

1. Navigate to the page for the HDFC Bank Bharat Credit Card.
2. Select 'Apply online'.
3. Enter the required details such as your name and contact number.
4. You will also have to provide your PAN and income details.
5. Once this is done, hit the 'Submit' button.
6. You may then receive a call or an SMS from the bank requesting for more details with regards to your application.

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