HDFC Bank Bharat Credit Card

Joining fee

₹500 + GST

Renewal fee

₹500 + GST

Add-on card fee

₹0

Reward rate

5% CashBack monthly on fuel, grocery, bill payments, and mobile recharge.

EMI spend earning

5% CashBack every month on spends on PayZapp, EasyEMI, and SmartBuy.

Travel earning

5% CashBack every month on ticket bookings via IRCTC.

Reward exclusions

No cashback on wallet loading, rent payments, or government transactions; mobile purchases/outlets not eligible for 5% cashback.

Reward caps

Combined CashBack capped at ₹150 per month for the mentioned categories.

Cashback redemption

CashBack will be credited as reward points in the next statement.

Catalogue redemption

Reward Points redemption is capped at 3,000 points per month.

Statement-credit redemption

Redemption of cashback against the statement balance is available on request.

Voucher and product redemption

Redeem up to 70% of product/voucher value with points; pay the rest via Credit Card

Point expiry

Unredeemed reward points expire after 2 years of accumulation.

What one reward unit is worth

1 Reward Point = ₹1.

Rent earning

No cashback on rent payments

Wallet load earning

Not offered

Government spend earning

Not offered

Hotel or travel programme

Up to 10% CashBack on Flight and Hotel bookings, Gift Vouchers and more via SmartBuy

Retention or continued-access criteria

The Bank reserves the right to cancel the Card in case the Card remains inactive and is not used for effecting any transaction for a continuous period of 6 (Six) months.

Fuel surcharge waiver

1% fuel surcharge waiver on minimum transaction of ₹400

Surcharge on railway tickets

1% of the transaction

Balance transfer terms

Balance Transfer Processing Charges: 1%.

How to apply

Not offered — not accepting new applications

Forex markup

3.5% on foreign currency transactions.3.50% of transaction value

Dynamic currency conversion markup

1.75%

Cash advance fee

2.5% or ₹500 whichever is higher.

Cash advance interest

All cash advances also carry a finance charge equal to charges on revolving credit.

Cash withdrawal limit

40% of the Credit Limit.

Interest on unpaid balance

3.75% per month (i.e., 45% per annum)

Interest-free period

Up to 50 days of interest-free credit from the date of purchase

Over-limit fee

2.5% of the overlimit amount subject to minimum of ₹550

Payment return or dishonour fee

2% of the payment amount (minimum ₹450)

Statement or duplicate statement fee

₹10 per duplicate physical statement.

Card replacement fee

₹199 for non-metal card variants.

Cash payment / cash deposit fee

₹100 (for all card payments made by depositing in HDFC Bank branches or ATMs)

Education / school fee charge

1% fee will be levied on Education transactions done through third party applications.

Fee on online skill-based gaming spends

1% fee will be levied on Online Skill based gaming spends exceeding ₹10,000 in a calendar month.

Reward redemption fee

₹99 + GST per catalogue redemption request

Wallet load charge

1% fee will be levied on Wallet loading spends exceeding ₹10,000 in a calendar month.

Fuel transaction fee

1% fee will be levied on Fuel transaction exceeding — ₹15,000 for consumer cards.

Rent transaction fee

1% fee on transaction amount will be levied on rental transactions.

Utility transaction fee

Utility Charges: 1% fee will be levied on spends exceeding ₹50,000 per Calendar month for consumer cards.

GST note

Goods and Service Tax (GST) at a rate of 18%