Joining Fee:
₹500 +GST
Return Percentage:0.5% to 1%
Credit Card Overview
A Bharat card from HDFC designed for rural and semi-urban customers, offering simple rewards on essential categories like groceries, fuel, and utilities.
Best Suited For: Cashback, Catalogue Products
HDFC
Fees and charges at a glance
- Annual fee
- ₹500
- Joining fee
- ₹500
- Reward rate
- 0.5% to 1%
- Forex markup
- 3.5%
- Interest rate
- 45% p.a.
- Add-on card
- Free
Charged every year you keep the card
Paid once when you get the card, plus GST
Depends where you spend
Extra charge on foreign spends
Only if you don't pay the full bill
An extra card for family
HDFC Bharat credit card — Earn Categories
Other categories
- Bill Payment & Recharges5 Cashback / ₹100
A maximum of ₹150 cashback can be earned per month. · Minimum ₹100 per transaction
- PayZapp/EasyEMI/SmartBUY/SmartPay5 Cashback / ₹100
A maximum of ₹150 cashback can be earned per month. · Minimum ₹100 per transaction
Everyday rate
- Base Rewards1 Cashback / ₹100
Minimum ₹100 per transaction
3 more earning categories on this card
We track all 6 of them, with the caps and conditions on each. See the full breakdown against your own spending in the app.
Earns nothing on these
Spends in these categories carry no rewards on this card.
- Wallets
- Utilities
- Rent