HDFC Bharat Credit Card (Review and Comparison)

HDFC Bharat Credit Card (Review and Comparison)

HDFC Bharat Credit Card is a simple common man’s credit card for everyday purchases such as grocery, utility bill payments, mobile recharge, and IRCTC train booking.

Using HDFC Bharat Credit Card you can easily Earn Rs.3000 in cashback every year.

The annual fee for this credit card is very low, just Rs.500.

What is so good about HDFC Bharat Credit Card?

You need to spend just Rs.20,000 annually( or Rs.1700 monthly) to waive your annual fees.  It is an all-rounder credit card for beginners.

What is not so good about HDFC Bharat Credit Card ?

The maximum cashback earned every month from shopping and paying bills using this credit card is just Rs. 150.  It’s almost peanuts compared to what Standard Chartered SuperValue Titanium Credit Card provides ( Rs.500 per month in cashback with a small annual fee of Rs. 750)

Read Review on Standard Chartered SuperValue Titanium Credit here.



All salaried employees with 2 Lakhs annual salary or self-employed with 2 Lakhs annual income are eligible to apply.  If you have a salary account with HDFC Bank then you’ll easily get approved.  But even otherwise, you can apply for the credit card.

Check Eligibility

Highlights of HDFC Bharat Credit Card

  • 5% Cashback on rail bookings through IRCTC Website or mobile app
  • 5% cashback on fuel spends
  • 5% cashback on bill payments and mobile recharge
  • max cashback of Rs.150 per month on the above 3 categories.
  • 5% cashback on EasyEMI, PayZapp and SmartBUY transactions (max Rs.150 cashback per month)
  • 1% Fuel surcharge waived
  • zero liability on lost credit card
  • 50 days of interst free period

Annual Fee: Rs.500 (waived on annual spends of Rs.20,000 or more)

Recommended:  Highly recommended for first time credit card buyers.  No other credit card from HDFC or ICICI or SBI or Citibank has this low annual fees and annual spending requirements( Just spend Rs,20,000 annually using the card and pay no fees).

Apply Here


Also Read: Best HDFC Credit Cards in India

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