HDFC Bank Bharat Credit Card
HDFC Bank · Closed to new applicants
HDFC's entry cashback card: 5% back, as reward points worth ₹1 each, on fuel, groceries, bill payments, mobile recharges, IRCTC and PayZapp, EasyEMI and SmartBuy spends, capped at ₹150 a month across all of them, and nothing on other spends. ₹500 a year, waived at ₹50,000 a year. Closed to new applicants.
- Annual fee
- ₹500 + GST a year
- Joining fee
- ₹500 + GST
- Fee waiver
- Annual fee waived on ₹50,000 spend per card year
- Base rate
- No cashback on any other spend: 0% in Reward Points (about 0% at cash value)
- Lounges
- None on record
- Forex markup
- 3.5%
- Data
- From bank documents, checked 24 Oct 2026
Main earn rates
- 5% on IRCTC ticket bookings: 5% in Reward Points (about 5% at cash value)
- 5% on fuel, groceries, bill payments and mobile recharges: 5% in Reward Points (about 5% at cash value)
- 5% on SmartBuy purchases (flights, hotels, vouchers): 5% in Reward Points (about 5% at cash value)
Earns nothing on
- No cashback on wallet loads, rent or government payments
- No cashback on EasyEMI; it is reversed if a purchase is converted to SmartEMI
- No cashback on education fees paid through third-party apps (from 1 September 2024)
- No cashback on online skill-based gaming (from 1 July 2025)
- No cashback on any other spend
Terms the calculator does not value
- The page lists "spends on PayZapp, EasyEMI" at 5% as well; the calculator has no PayZapp or EasyEMI spend line, so only the SmartBuy part of that rule is applied.
- The card is closed to new applicants; the calculator values it as if issued today. HDFC gives no closing date.
- Insurance: the MITC's clause e cap ("Reward Points accrued for insurance transactions will have a maximum cap of ... 2000 per month for all other credit cards", from 1 July 2025) has nothing to limit on this card: insurance is not one of its 5% categories and the page says "No rewards/cashback on MCCs outside fuel, groceries, IRCTC, and recharges", so insurance earns nothing (the base rule). No line names insurance itself, so there is no separate exclusion rule. The MITC's clause n also lists Bharat among the cards that keep "the capping as per the product feature" (the combined ₹150 a month).
Sources
- Bharat Credit Card product page (Product page, the bank's own, read 20 Oct 2026)
- Bharat Credit Card fees and charges (Schedule of charges, the bank's own, read 20 Oct 2026)
- HDFC Bank credit cards Most Important Terms and Conditions (Key Fact Statement), version 4.15, updated 17 October 2026 (Most important terms (MITC), the bank's own, read 20 Oct 2026)
- HDFC Bank rewards redemption form (cashback conversion ratios and minimums by card; PDF created 24 September 2026) (Reward terms, the bank's own, read 20 Oct 2026)