Summary
The HDFC Bharat Credit Card is structured to provide numerous practical benefits, making it very attractive for use in daily spending. One of the most obvious advantages is cashback on utility bill payments such as electricity, water, and gas bills that help save money on regular expenditures. The card also offers a fuel surcharge waiver at some fuel stations, which makes the card cost-effective for those people who drive extensively.
Major positives of Bharat credit cards include their reward points generation. The buyer earns reward points on all these daily purchases to be redeemed, either in various gift vouchers and merchandise or direct cashback as well l. Not to forget is the welcome gift that comes with the initial purchase, carrying reward points along with special reductions, adding added value to one’s experience from the card usage.
Those who dine out will find the card an advantage because they have discount coupons at restaurants. This reduces the amount of their dining expenses. It also comes with an interest-free period such that the consumer can make the purchases without a charge of interest, provided he pays back before the due date. It teaches responsible spending and timely repayment.
Introduction
Bharat Credit Card is a credit card specially designed for those who want to save on their everyday expenses. Bharat Credit Card was introduced by HDFC Bank and includes many great benefits and features, which make it a great option. And specifically for those whose bills on groceries and a host of bills would cost even more, the HDFC Bharat Credit Card is sure to prove useful.
HDFC Bank Bharat Credit Card especially boasts discounts when spending on such routine expenditures. Through the Bharat Credit Card, you can manage your household expenses and also save. The biggest advantage of Bharat Credit Card is that you can use it in any corner of India, whether you are shopping, traveling, or making online payments.
HDFC Bank Bharat Credit Card is also beneficial for those who live in small cities and towns and want to get additional benefits on their expenses. Along with cashback and reward points, it has many other features such as fuel surcharge waiver, EMI option, and free credit period. The annual fee of Bharat Credit Card is also quite affordable, which makes it even more special.
In today’s article, we will discuss in detail about Bharat Credit Card. In which we will tell you in detail about its benefits. Along with this, we will also discuss the fees of HDFC Bank Bharat Credit Card in this article and will also discuss in detail how to apply for it. So read this article till the end so that you do not have any problems later.
What is the HDFC Bharat Credit Card?
Bharat Credit Card is specially designed for common people who spend on their daily expenses like fuel, grocery shopping, mobile recharge, and utility bill payments. Bharat Credit Card offers up to 5% cashback which is directly credited to your credit card bill.
With the help of Bharat Credit Card, you can avail many attractive offers through HDFC Bank’s SmartBuy portal, such as special discounts on online shopping and travel bookings. Apart from this, the annual fee can also be waived if you spend a certain amount every month.
How is the design of the HDFC Bharat Credit Card?
Bharat Credit Card has been designed very simply yet elegantly. It carries a modern sleek look. Normally, the color combination is blue and white with the HDFC logo written on it.
The design reflects professionalism and trust. The name and card number are also seen on the card. The material used is also very strong to ensure longevity and easy use.
What are the benefits of the HDFC Bharat Credit Card?
Among those are some nice rewards, though:
- Cash Reimbursement against Utility Bills. You can easily get cash for utility bills- electricity, gas, and even watery handy for getting through the tight monthly budget.
- Fuel Surcharge Waiver – Save on petrol/diesel prices with a rebate on fuel surcharge at only a few centers.
- Reward points – Earn every time you are spending, against which you’ll be able to redeem gift vouchers, merchandise, and even cash credits.
- Welcome Gift: The new cardholder gets a welcome gift which could be either in the form of reward points or discounts.
- Dining Discount: The card provides discounts in select restaurants; thus, one can dine out more affordably.
- Interest-free Period: An interest-free grace period is allowed on your purchase if the same is paid in time, hence saving on the interest charges.
- Easy EMI Options: You can convert large purchases into easy monthly installments (EMIs), making it convenient to manage high expenses.
What are the fees for the HDFC Bharat Credit Card?
Here is a simple breakup of the Credit Card fees.
| Joining Fee | ₹2,499 + GST (one-time fee when you get the card). |
| Annual Fee | ₹2,499 = GST per year. This will be waived if you spend 5,00,000 or more in a year. |
| Add-on Card Fee | There are no charges for additional cards for family members. |
| Finance Charges | 3.5% per month (47% annually) on the outstanding balance if you don’t pay your bill in full. |
| Cash Advance Fee | 2.5% of the amount withdrawn or ₹500, whichever is higher. |
| Late Payment Fee | For Statement Balance Less than Rs. 101 – NilRs. 101 – Rs. 500 – Rs. 150Rs. 501 – Rs. 5,000 – Rs. 500Rs. 5,001 – Rs. 20,000 – Rs. 750Rs. 20,000 & above – Rs. 1,000 |
What are the criteria for getting an HDFC Bharat Credit Card?
The following are the primary requirements:
- To apply for the HDFC Bank Bharat Credit Card, you must be between 18 and 70 years old.
- The income requirement differs according to your employment status:
- Self-Employed Professionals: A minimum Annual income of Rs 10 lakhs usually does the job.
- A secured income ensures regular timely payments on the credit card bill. Any amount above it ensures that it increases the approval probability.
- Your credit score plays a role in the selection process. It is a tendency for HDFC Bank to favor borrowers with a better credit score usually above 750.
- You must be an Indian resident and have valid address proof within the country.
- A salaried person must be employed with a reputed company or organization. The bank can ask you for documents like your salary slip or employment letter.
- A Self-employed person must have business experience in the past years, generally 2+ years. You must show the bank proof of good consistent income. This may be your income tax returns and bank statements.
What documents are required to get an HDFC Bharat Credit Card?
The documents that you will have to submit to get a Credit Card are as below:
| Identity Proof | Aadhaar card, Passport, Voter ID, Driving license, PAN card |
| Address Proof | Salary slip for the last 3 months if you are a salaried employee bank statement for the last 3 monthsITR for self-employed persons |
| Income Proof | Salary slip for the last 3 months if you are a salaried employee bank statement for the last 3 months for self-employed persons |
| Photograph | The latest passport-sized photograph |
Where can the HDFC Bharat Credit Card be used?
Here is the list of places where you can use it:
- With the HDFC Bank Bharat Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.
- You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.
- You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.
- You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.
- You can use your credit card to pay electricity and water bills, mobile bills, and internet services.
- You can use your Bharat Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).
- The HDFC Bank Bharat Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.
What is the credit limit of the HDFC Bharat Credit Card?
The credit amount you can spend is what you are provided with a Bharat Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.
For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.
The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another or even more, considering his/her profile and financial background.
It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit then penalties get added, and your credit score also goes down.
How do you apply for an HDFC Bharat Credit Card?
Apply it through both these modes:
Online Application Process
- Visit the official website of the HDFC Bank, i.e.
- Go to ‘Cards’, followed by ‘Credit Cards’.
- On that page, you can see numerous options for credit cards issued by HDFC Bank; for instance, you can choose the HDFC Bharat Credit Card.
- Just hover your cursor on the HDFC Bharat Credit Card, followed by selecting ‘Apply Now‘ from there.
- You will be asked to fill out your details including your name, contact information, income details, and employment status.
- Be accurate and updated with the information provided.
- You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.
- After filling out the details and uploading the documents, review your application to make sure everything is correct.
- Apply online through the application form.
- The bank will check your application after submitting it. They can ask for extra documents or information if required.
- You will be informed about the status of your application, and if approved, your card will be delivered to you.
Offline Application Process
- You can walk into the nearest HDFC Bank branch to apply for the HDFC Bank Bharat Credit Card.
- Request for the credit card application form of the Bharat Credit Card. They will provide you with the form and proceed accordingly.
- Fill the details in the application form wherever it is required. Care should be taken that all the information about personal details, income, and jobs provided by the applicant should be correct.
- Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and pas hotograph.
- Your application will be processed, and your information will be cross-checked at the bank level.
- In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.
- You will receive the Bharat Credit Card by post at the same postal address.
- Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the HDFC Bank Card website, or mobile app or by calling their customer service.
- For security purposes, you must set your PIN (Personal Identification Number) before you can start using your credit card.
Would getting an HDFC Bharat Credit Card in 2025 be right?
Yes, getting an HDFC Bharat Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. On top of that, the bank provides discounts and easy access to the EMI facility.
HDFC Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should make sure that you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a very good option in 2025.
Conclusion
HDFC Bank Bharat credit card is a good choice for those looking for a credit card to save on a day-to-day expense. Along with the interest cash back feature and fuel surcharge waiver on fuel purchases, the HDFC Bank Bharat credit card provides an excellent and useful solution for the common Indian.
Also, the annual fee of HDFC Bank Bharat Credit Card is relatively low and can be waived under specific spending conditions. Thus, Bharat Credit Card has become even more affordable. The special offers and other benefits available on the SmartBuy portal make it even better for those who like to shop or book travel online.
Frequently Asked Questions (FAQ’s)
Ans: With Bharat Credit Card you will be given a 1% surcharge waiver on fuel, up to ₹400 per month.
Ans: The cashback for the transactions you make will be credited in the next billing cycle.
Ans: All the above expenses like grocery, fuel, mobile recharge, and utility bills get up to 5% cashback. Other expenses are getting 1% cash back.
Ans: No, the Bharat Credit Card is not useful for international transactions; other credit cards may be of more use there.
Ans: You can apply for a Bharat Credit Card through the HDFC Bank website or the nearest HDFC Bank branch. For this, you have to submit some required documents, such as identity proof, address proof, and income proof.
