Is there an interest-free period with the HDFC Bank Bharat Credit Card?

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

What is the HDFC Bank Bharat Credit Card, and how is it different from the HDFC Bank Bharat Cashback Card?

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.

Are there any renewal fees for the HDFC Bank Bharat Credit Card, and can rewards points offset these fees?

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

How can I apply for the HDFC Bank Bharat Credit Card online?

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.

Credit Cards

HDFC BankRuPay

HDFC Bank Bharat Credit Card

CashbackEntryRuPay

HDFC Bank Bharat Credit Card

Cashback rewards with zero annual fee

Annual fee₹0

Rewards5%Cashback

Forex markup3.5%3.5% on all foreign currency transactions

No longer offered

HDFC Bank is no longer accepting applications for this card. Existing cardholders continue to be served, so the fees and features below are kept here for reference. There is no application or eligibility check to offer.

Not open to new applicants · kept here for reference

Independent comparison platform. Not affiliated with HDFC Bank. Full disclaimer

Rewards

Base earn rate

1 Reward Point per ₹100

• Unredeemed reward points expire after 2 years of accumulation.
• Redemption fee: ₹99

Fees & charges

Joining fee: ₹500/- Plus Applicable Taxes
Annual / renewal fee: ₹0
Interest rate: Revolving Credit is available at a nominal interest rate. (Check the fees and charges section for more details).
Interest-free period: 50 days
Cash advance fee: Transaction fee of 2.5% (Excluding Infinia, Infinia Metal Edition) or ₹500 whichever is higher on ATM withdrawals. Cash withdrawal limit: 40% of credit limit.
Overlimit fee: 2.5% of overlimit amount subject to minimum of ₹550. Not applicable for Infinia, Infinia Metal Edition, PhonePe HDFC Bank Ultimo/Uno Credit Card (no overlimit facility).
Payment dishonour: 2% of Payment amount subject to minimum of ₹450. Capping of ₹4999 for Infinia & Infinia Metal Credit Card. Applicable for cheque payment return or unsuccessful autopay.
Forex markup: 3.5% on all foreign currency transactions
DCC markup: 3.50%
Reward redemption: ₹99 per redemption
Fuel surcharge: 1% waiver, max ₹250/cycle

Late payment

Outstanding amount	Late fee
Up to ₹100	Nil
₹101-500	₹100
₹501-1,000	₹500
₹1,001-5,000	₹600
₹5,001-10,000	₹750
₹10,001-25,000	₹900
₹25,001-50,000	₹1,100
More than ₹50,000	₹1,300