HDFC Bank Bharat Credit Card

Rewards

• Rewards rate

  5% cashback every month on spending towards bill payments, and mobile recharge, fuel and railway tickets booked through IRCTC. 5% cashback every month while paying through PayZapp/EasyEMI/SmartBuy.

• Reward redemption

  The reward points can be redeemed as cash back at the request of the cardholder. 1 Reward Point = Re. 1

Benefits

• Travel

  You get 5% cashback on booking railway tickets through IRCTC.

• Insurance

  Accidental death cover of up to Rs. 50 Lakhs

Fees & charges

• Spend-based waiver

  Renewal fee waived off on spending Rs. 20,000 in previous year

• Rewards redemption fee

  Rs. 99

• Foreign currency markup

  3.5% on the conversion amount

• Interest rates

  3.6% p.m. (43.2% p.a.)

• Fuel surcharge waiver

  1% fuel surcharge waiver on minimum transaction of Rs. 400. The waiver is capped at Rs. 250 per billing cycle

• Cash advance charges

  2.5% or Rs. 500 whichever is higher

Product highlights

• 5% monthly cashback on Category A transactions (fuel expenses and ticket bookings through IRCTC, groceries, bill payments and mobile recharges).
• 5% monthly cashback on Category B transactions (on payments done through PayZapp, EasyEMI or SmartBuy)
• Cashback will be retained as reward points.
• Avail 50 days interest-free period.

FAQs