HDFC Bank Bharat Credit Card

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

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

Card management via MyCards.

• Is there an interest-free period with the HDFC Bank Bharat Credit Card?
• What is the HDFC Bank Bharat Credit Card, and how is it different from the HDFC Bank Bharat Cashback Card?
• Are there any renewal fees for the HDFC Bank Bharat Credit Card, and can rewards points offset these fees?
• How can I apply for the HDFC Bank Bharat Credit Card online?