HDFC Bharat Cashback Credit Card Review

By | May 7, 2021

HDFC has launched another beginner-level credit card which is named Bharat Cashback Credit Card. HDFC develops this card to give competition to Standard Chartered Credit cards. Another reason to do this is to provide a decent cashback to its low-income level customers.

This card is placed below its Moneyback credit card.

HDFC Bharat Cashback Credit Card Review

HDFC Bharat Card Fees

  • Joining Fees: Rs.500+GST

* No fee waiver as it is a life time free credit card.

Eligibility

HDFC Bharat Cashback Credit Card  eligibility
  • Salaried: Age must be between 21-60 years
    • Monthly income should be greater than Rs.12000
  • Self-employed: Age must be between 21-65 years
    • ITR is required to be more than Rs.2,00,000

How To Apply?

You can apply for the card in the following manner:

  1. You have to visit the get HDFC Bank website to apply for the card.
  2. Fill up all the information to apply for the card
  3. Submit all the necessary documents required for the credit card

Documents Required

  • Identity Proof: 
    • PAN Card,
    • Aadhar Card,
    • Voter’s ID Card,
    • Driving License,
    • Ration Card
  • Address Proof: 
    • Aadhar card,
    • Voter’s ID,
    • Ration Card,
    • Electricity Bill,
    • Lease/Rent Agreement,
    • Utility Bills
  • Income Proof: Salary Slip of last 6 months
    • Bank Statement of last 6 months
    • ITR of an annual year

Also Read
InterMiles HDFC Bank Signature Credit Card Review


HDFC Bharat Card Rewards & Benefits

HDFC Bharat Cashback Credit Card  rewards

This card provides 5% cashback on most of the transaction. The categories giving 5% cashback are:

  • IRCTC
  • Fuel
  • Groceries
  • Bill Payment
  • And on making spends through PayZapp/EasyEMI/SmartBUY.

Maximum Cashback is Rs.150 per cycle, which means you will get only Rs.150 as cashback per month. This is quite low!

Also on spending Rs.72,000 in a year will give you a cashback of Rs3600.

  • 1RP = Rs.1.

Our Suggestion

This is a decent card that rewards us in the form of cashback. However, it does not give any other kind of reward as in the form of points.

It gives 5% cashback on bills and utility payment.

You can keep this card if you want a credit card just for casual spending. Otherwise, there is nothing much offered on this card.

Strength-Weakness

StrengthWeakness
5% cashback No lounge access
Life time free

HDFC Bharat Features

HDFC Bharat Cashback Credit Card  features
  • Reward Rate: 5% on given categories
  • Lounge Access: Nil
  • Fuel Surcharge: 1% fuel surcharge
  • Foreign Exchange Markup: 3.5% + Tax

Bottom Line

Overall, it is an excellent card for those who spend more on the specified categories. 5% cashback on fuel is one such thing that is not even available in some fuel cards. If you want rewards on other spends, you can go for additional cards like HDFC Moneyback, which is also a beginner card.


FAQ’s

What is HDFC Bharat Credit Card?

The Bharat Credit Card is a cashback credit card that gives 5% cashback on selected categories.

Is Bharat Credit Card Life Time Free?

Yes Bharat Credit card is a lifetime free credit card. You have to pay joining fees only.

What is the eligibility for Bharat Credit Card?

  • Salaried: Age must be between 21-60 years
    • Monthly income should be greater than Rs.12000
  • Self-employed: Age must be between 21-65 years
    • ITR is required to be more than Rs.2,00,000
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