HDFC Bank · Credit card
Bharat
A credit card from HDFC Bank. Facts below come from the issuer's own documents. Network: RuPay.
Annual fee
₹500
Fee waiver
Spend ₹50,000 a year
Rewards
- PayZapp, EasyEMI and SmartBuy spends 5% cashback
- IRCTC ticket bookings 5% cashback
- Fuel, grocery, bill payments and mobile recharge 5% cashback
- Flight and Hotel bookings, Gift Vouchers via SmartBuy 10% cashback
Benefits & rewards
Issuer information- Rewards
- PayZapp, EasyEMI and SmartBuy spends 5% cashback
- IRCTC ticket bookings 5% cashback
- Fuel, grocery, bill payments and mobile recharge 5% cashback
- Flight and Hotel bookings, Gift Vouchers via SmartBuy 10% cashback
- Reward cap
- 150
- Lounge access
- Not included
- Does not earn on
- Not eligible under this programme.
Fees, eligibility & repayment
Issuer information- Annual fee
- ₹500
- Joining fee
- ₹500
- Fee waiver
- Spend ₹50,000 in a year
- Foreign purchases
- 3.5% markup on international spends
- Eligibility
- Salaried or self-employed · Age 21+ · Income ₹12,000 salaried · ₹2,00,000 self-employed
- Repayment
- Pay the full statement balance to avoid interest; interest and late fees follow the issuer's schedule of charges.
What changed
Issuer informationDifferences found when this card's published terms were re-verified against HDFC Bank's own pages. Only independently approved changes appear here.
- Reward capChanged150 per_month; 150 per_month; 150 per_month₹150
Reward cap changed from 150 per_month; 150 per_month; 150 per_month to ₹150
Verified 12 Sep 2026 · previous value recorded 26 Jul 2026 · issuer page
Cardholder experience
Experience notesNo admissible cardholder observations are on file for this card yet. Nothing is invented to fill the gap.
Offers on this card
No verified offer currently names this exact card. Offers from the same bank for other cards are not assumed to apply.