Joining Fee:
₹500 +GST
Return Percentage:1% to 2%
Credit Card Overview
A Bharat Cashback variant that delivers cashback on fuel, bill payments, and everyday categories, aimed at budget-conscious users in semi-urban markets.
Best Suited For: Cashback
HDFC
Fees and charges at a glance
- Annual fee
- ₹500
- Joining fee
- ₹500
- Reward rate
- 1% to 2%
- 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 Cashback credit card — Earn Categories
Where you earn more
- SmartBuyOnline · E-Commerce5 reward points / ₹100
A maximum of ₹150 cashback can be earned per month. · Minimum ₹100 per transaction
Other categories
- FuelFuel · Fuel5 reward points / ₹100
A maximum of ₹150 cashback can be earned per month. · 1% charge on this category · Minimum ₹100 per transaction
Everyday rate
- Base Rewards5 Reward Points (reward points) / ₹100
Minimum ₹100 per transaction
4 more earning categories on this card
We track all 7 of them, with the caps and conditions on each. See the full breakdown against your own spending in the app.