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Card Benefits and Features

More about Bharat Credit Card

Card Management and Controls

  • Single Interface 
    One unified platform for Credit Cards, Debit Cards, Fastag and Consumer Durable Loans  

  • Spends tracking 
    Simple interface to track all your spends 

  • Reward Points 
    View and redeem points at the push of a button

Card Management and Controls

Card Control and Redemption

  • 1 Reward Point = ₹1
  • CashBack will be credited as reward points in the next statement.
  • Redemption of cashback against the statement balance is available on request.
  • Unredeemed reward points expire after 2 years of accumulation.
  • With effect from 1st February 2023,

    • Reward Points redemption is capped at 3,000 points per month.    
    • Redeem up to 70% of product/voucher value with points; pay the rest via Credit Card.

Click here for further details on the process to redeem Reward Points. 

Card Control and Redemption

Credit and Safety

  • Revolving Credit is available at a nominal interest rate. (Check the fees and charges section for more details).

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

  • The offer is subject to the submission of the charge by the merchant.

  • Stay protected against unauthorised use when you shop anywhere with EMV Chip Card technology.

Credit and Safety

Fees & Renewal

  • Joining / Renewal Membership Fee – Rs. 500/- Plus Applicable Taxes
  • To view all the fees and charges applicable on your Bharat Credit Card, go to 'Manage Your Credit Cards -> Personal MITC'
  • Goods and Services Tax (GST)
  • Effective 1st July 2017 Service Tax , KKC & SBC of 15% is replaced by Goods&Service Tax (GST) at 18%
  • The applicable GST would be dependent on place of provision (POP) and place of supply (POS).If POP and POS is in the same state then applicable GST Would be CGST and SGST/UTGST else, IGST.
  • GST For FEE & Charges / Interest transactions Billed on statement date will reflect in next month statement.
  • GST levied will not be reversed on Any dispute on Fee & Charges / interest.
  • For card sourced effective 01-11- 2020, Below T&Cs are applicable 

Note*: 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 after prior written notice sent on the email address and/or phone number and/or communication address, registered in the records of the Bank.

Click here to know more Fees & Charges

Validity

Most Important Terms and Conditions

  • The Most Important Terms and Conditions for each of our banking offerings features all the specific terms and conditions that govern their use. You must go through it thoroughly to fully understand the terms and conditions applicable to any banking product you choose.
Terms and Conditions

Frequently Asked Questions

Absolutely! Enjoy an interest-free period of up to 50 days from the date of purchase, adding value to your financial transactions.

The HDFC Bank Bharat Credit Card is a versatile financial tool, often called the HDFC Bank Bharat CashBack Card. It offers a fuel surcharge waiver, a generous credit limit, and an interest-free period.

Yes, there is a renewal fee. However, the reward points accumulated with each transaction can be redeemed, reducing or offsetting the renewal fee.

We are currently not accepting new applications for the HDFC Bank Bharat Credit Card. However, you can explore a range of other credit cards that may suit your needs. Click here to view our available options and find the right card for you.