Credit Card

HDFC Bank Bharat Credit Card, Rewards and Benefits, Joining Fees & amp; Charges, Apply Online

HDFC Bank Bharat Credit Card: HDFC Bank has unveiled its latest offering, the HDFC Bank Bharat Credit Card, designed to cater to the needs of modern consumers with exciting deals and exclusive features. This cashback credit card presents a plethora of benefits, promising a rewarding experience for its users.

One of the standout features of the HDFC Bank Bharat Credit Card is its generous cashback scheme. Cardholders can enjoy a 5% monthly cashback on select merchant categories such as mobile recharges, bill payments, and groceries. This incentivizes everyday spending and provides tangible savings on essential expenses.

Moreover, the card extends its cashback benefits to fuel purchases, offering a 5% monthly cashback along with a 1% fuel surcharge waiver. This not only helps consumers save on fuel expenses but also makes refueling a more cost-effective endeavor.

For those who frequently travel by rail, the HDFC Bank Bharat Credit Card offers an enticing perk of 5% monthly cashback on railway tickets booked through IRCTC. This feature adds further value to the card, making it an attractive choice for individuals who rely on rail transportation.

In terms of affordability, the HDFC Bank Bharat Credit Card boasts a reasonable joining fee of Rs. 500 plus applicable taxes, making it accessible to a wide range of consumers. This ensures that the benefits of the card are within reach for many individuals seeking a rewarding credit card experience.

Overall, the HDFC Bank Bharat Credit Card stands out as a comprehensive offering with its blend of cashback benefits, fuel savings, and travel perks. With its attractive features and competitive pricing, it is poised to become a popular choice among consumers looking for a rewarding credit card solution.

Fees Joining Fee-  Rs. 500 + GST
Renewal Fee- Rs. 500 + GST (per month)
Best Suited For


Reward Type Reward Points
Welcome Benefits NA

Rewards and Benefits

Introducing the HDFC Bank Solitaire Credit Card, tailored to complement your lifestyle with exclusive benefits and rewards. Here’s a comprehensive look at its features:

  • Movie & Dining- NA
  • Rewards Rate- Enjoy 5% cashback every month on bill payments, mobile recharge, fuel, and railway tickets booked through IRCTC. Additionally, earn 5% cashback every month when paying through PayZapp, EasyEMI, or SmartBuy.
  • Reward Redemption- Redeem your reward points as cashback upon request, with 1 Reward Point equivalent to Re. 1, offering flexibility and value.
  • Travel- Receive 5% cashback on booking railway tickets through IRCTC, enhancing your savings on travel expenses.
  • Golf, Domestic & International Lounge Access- NA
  • Insurance Benefits- Benefit from accidental death cover of up to Rs. 50 Lakhs, providing financial security and peace of mind for you and your loved ones.
  • Zero Liability Protection- Rest assured with zero liability protection, ensuring you are not held responsible for card loss or theft upon timely notification to the bank.

The HDFC Bank Solitaire Credit Card offers a blend of convenience, savings, and security, catering to your diverse lifestyle needs. Apply now and experience the difference firsthand.

Fees & Charges

HDFC Bank Solitaire Credit Card – your gateway to exclusive privileges and rewards. Here’s a detailed overview of its key features:

  • Spend Based Waiver- Enjoy the convenience of having the renewal fee waived off by simply spending Rs. 20,000 or more in the previous year, rewarding your consistent usage.
  • Rewards Redemption Fee- A nominal fee of Rs. ₹99 is applicable for rewards redemption, ensuring hassle-free access to your earned benefits.
  • Foreign Currency Markup- Experience seamless international transactions with a competitive foreign currency markup of 3.5%, providing convenience and flexibility wherever you go.
  • Interest Rates- Benefit from competitive interest rates of 3.6% per month (43.2% per annum), ensuring manageable repayment options and peace of mind in managing your finances.
  • Fuel Surcharge- Receive a 1% fuel surcharge waiver on minimum transactions of Rs. 400, with the waiver capped at Rs. 250 per billing cycle, providing savings and convenience every time you refuel.
  • Cash Advance Charges- Access cash effortlessly with cash advance charges set at 2.5% of the amount withdrawn or a minimum of Rs. 500, ensuring flexibility and convenience when you need it most.
  • Add-on Card Fee- Extend the benefits of your card to your loved ones with no add-on card fee, making it easy to share the convenience and rewards with your family.

The HDFC Bank Solitaire Credit Card offers a blend of luxury, convenience, and savings, making it the perfect companion for your lifestyle needs. Apply now and experience the difference firsthand.

Product Details

  • Experience the unmatched benefits of the new HDFC Bank Bharat Credit Card, tailored to suit your lifestyle and preferences. With this innovative offering, you can enjoy an array of exclusive rewards and savings on your everyday transactions.
  • Indulge in a 5% monthly cashback on Category A transactions, including fuel expenses, ticket bookings through IRCTC, groceries, bill payments, and mobile recharges. This generous cashback ensures that you save significantly on your essential purchases, making every transaction more rewarding.
  • Additionally, benefit from a 5% monthly cashback on Category B transactions, encompassing payments made through PayZapp, EasyEMI, or SmartBUY. This further enhances your savings potential, allowing you to maximize the value of your spending.
  • What sets the HDFC Bank Bharat Credit Card apart is its unique cashback mechanism, where your cashback is retained as reward points. This innovative approach ensures that you can redeem your rewards for a variety of exciting offers and benefits, enhancing your overall credit card experience.
  • Enjoy the convenience of a 50-day interest-free period, giving you ample time to manage your finances without the burden of additional charges. This feature adds flexibility and peace of mind to your financial transactions, allowing you to make the most of your credit card while staying in control of your expenses.
  • With the HDFC Bank Bharat Credit Card, you not only enjoy unparalleled rewards and savings but also experience unmatched convenience and flexibility in managing your finances. Elevate your credit card experience with this exceptional offering and unlock a world of possibilities today.

HDFC Bank Bharat Credit Card: Features and Benefits

The HDFC Bank Bharat Credit Card stands out as an ideal choice for individuals who frequently utilize payment platforms like PayZapp, SmartBUY, and EasyEMI. While it’s considered an entry-level credit card, it offers a range of benefits tailored to suit the needs of new credit card users.

  • Zero Lost Card Liability- One of the standout features of this card is its Zero Lost Card Liability policy, providing peace of mind to cardholders in the event of loss or theft. By promptly notifying the bank within 24 hours, users are relieved of any liability associated with unauthorized transactions.
  • Fuel Surcharge Waiver- Moreover, cardholders can enjoy a convenient fuel surcharge waiver of 1% on transactions exceeding Rs. 400 at all fuel stations across India. The waiver amount is capped at Rs. 250 per billing cycle, offering savings on fuel expenses with every purchase.
  • Insurance Benefit- Another compelling benefit of the HDFC Bank Bharat Credit Card is the insurance coverage it provides. Cardholders are eligible for up to Rs. 50 Lakhs in accidental death cover, offering financial security and protection against unforeseen circumstances.
  • Spend Based Waiver- Furthermore, users can avail themselves of a Spend Based Waiver, wherein the annual fee of Rs. 500 is waived off upon spending Rs. 20,000 or more in the previous year. This incentivizes regular usage and rewards responsible spending habits.

In conclusion, while the HDFC Bank Bharat Credit Card may not boast an extensive array of features, it presents a compelling option for new credit card users. With its emphasis on security, savings, and rewards, this card offers a valuable introduction to the world of credit cards, catering to the diverse needs of modern consumers.

HDFC Bharat Credit Card Rewards

Experience the convenience and rewards of the HDFC Bank Bharat Credit Card, offering enticing benefits tailored to your lifestyle.

Elevate your everyday transactions with a generous 5% monthly cashback on Category A expenditures. From fuel purchases to railway ticket bookings via IRCTC, grocery shopping, bill payments, and mobile recharges, indulge in savings on your essential expenses. With a maximum cashback cap of Rs. 150 on all Category A transactions combined, enjoy substantial savings every month.

Additionally, embrace the flexibility of earning a 5% monthly cashback on Category B transactions, encompassing payments made through platforms like PayZapp, SmartBuy, and EasyEMI. With a maximum cashback limit of Rs. 150 on Category B transactions collectively, unlock more value with every purchase.

Reward redemption:

Reward redemption is hassle-free, as the cashback earned on your HDFC Bank Bharat Credit Card transactions is accumulated as rewarding points. Seamlessly convert your accumulated reward points into tangible cashback, where each reward point holds the equivalent value of Re. 1.

Experience the synergy of convenience and rewards with the HDFC Bank Bharat Credit Card, designed to enhance your financial journey.

HDFC Bank Bharat Credit Card: Fees and Charges

Here are the key fees and charges associated with the HDFC Bharat Credit Card, ensuring transparency and clarity for cardholders:

  • To embark on the journey of benefits, the joining and annual fee for the HDFC Bank Bharat Credit Card stand at a modest Rs. 500, making it accessible and affordable.
  • For transactions made in foreign currencies, a markup fee of 3.5% is applied by the HDFC Bank Bharat Credit Card, ensuring seamless international usage with a nominal charge.
  • Managing your finances responsibly, the monthly interest rate on this card is set at 3.6%, translating to an annual interest rate of 43.2%. This empowers you to make informed decisions while utilizing credit facilities.
  • In instances where cash advances are necessary, the HDFC Bank Bharat Credit Card imposes a charge of 2.5% of the transaction amount or Rs. 500, whichever is higher. This ensures flexibility while accessing cash but with prudent consideration of associated charges.
  • Stay informed and empowered with the HDFC Bharat Credit Card, where transparency and convenience are paramount.

HDFC Bharat Credit Card Eligibility Criteria:

HDFC Bank sets forth eligibility criteria for individuals seeking to obtain an HDFC Bank Bharat credit card. Below outlines the minimum requirements applicants must fulfill to be considered:

Discover the gateway to financial empowerment with the HDFC Bank Bharat credit card, tailored to meet the diverse needs of our valued customers.

Applicant Age Income
Salaried Employee 21 – 60 years Minimum monthly gross income of Rs. 12,000
Self-employed individual 21 – 65 years
Minimum annual ITR of Rs. 2 lakhs p.a.

Documents Required

To initiate the application process for the HDFC Bank Bharat Credit Card, applicants are required to furnish specific documents for verification purposes. The documents requested include:

  • Establish your identity with any of the following: Aadhar Card, PAN Card, Voter’s ID, Passport, Driving License, or any other valid government-issued identification document.
  • Verify your residential address by providing recent utility bills from the last month, Aadhar Card, Passport, or any other document reflecting your current address.
  • For assessment of your financial capacity, submit proof of income such as your latest salary slips, bank statements, or the latest audited Income Tax Return (ITR) statement.
  • By furnishing these documents, you can facilitate a smooth and efficient application process for the HDFC Bank Bharat Credit Card, ensuring eligibility verification and expedited card issuance.

HDFC Bharat Credit Card Limit

Given the fundamental nature of the HDFC Bharat Credit Card, initial credit limits may not be exceedingly high. The allocated credit limit is subject to variation among cardholders, contingent upon factors such as credit history, monthly income, and other relevant considerations. Individuals with higher income levels or a commendable credit track record typically secure more substantial credit limits compared to those with lower monthly incomes.

However, demonstrating responsible usage over time can lead to potential credit limit enhancements. By consistently managing your card usage prudently and establishing a favorable credit history over several months, opportunities to request a higher credit limit from the card issuer may arise.

Embrace the journey of financial responsibility with the HDFC Bharat Credit Card, where prudent management can unlock enhanced credit opportunities over time.

How To Apply For HDFC Bharat Credit Card?

Accessing the HDFC Bharat Credit Card is convenient through both online and offline channels, accommodating varied preferences and accessibility. For offline application, visit the nearest HDFC Bank branch equipped with the requisite documents, where you can seamlessly apply by completing the physical application form.

Alternatively, the online application process offers simplicity and efficiency through the following steps:

  1. Navigate to the official HDFC Bank website.
  2. Explore the ‘Borrow’ section and opt for Credit Cards.
  3. Locate and select the HDFC Bharat Credit Card from the available options.
  4. Initiate the application process by clicking on ‘Apply Now,’ and diligently fill out the digital application form.
  5. Progress through subsequent steps as guided to finalize your application.

Whether opting for the traditional route of in-person application at a branch or leveraging the ease of online submission, securing the HDFC Bharat Credit Card is streamlined to suit your convenience.

Apply Now

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