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HDFC Bank Bharat Credit Card

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.

Annual feeSee fee details
Rewards—
Forex markup3.5%3.5% on all foreign currency transactions

Rewards

Redemption options

Statement credit:₹1 per point

Cashback categories

5% CashBack every month on spends on PayZapp, EasyEMI, and SmartBuy 5% CashBack every month on ticket bookings via IRCTC. 5% CashBack monthly on fuel, grocery, bill payments, and mobile recharge Get up to 10% CashBack on Flight and Hotel bookings, Gift Vouchers and more via SmartBuy.

Credit cycle: monthly

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

Fees & charges

Joining fee
₹500/- Plus Applicable Taxes
Annual / renewal fee
₹500/- Plus Applicable Taxes
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 amountLate fee
₹0 – ₹100₹0
₹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
Above ₹50,001₹1,300

Insurance covers

Fraud liability

Stay protected against unauthorised use when you shop anywhere with EMV Chip Card technology.

Features

✓ Chip & PIN

Additional features

  • PayZapp integration for extra cashback
  • SmartBuy platform access for up to 10% cashback
  • EasyEMI facility
  • Swipe to Pay feature without OTP hassle
  • Single interface for tracking spends and rewards

No rewards on

Wallet Loading · Rent Payments · Government Transactions · Mobile Purchases At Outlets

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PhonePe HDFC Bank Ultimo Credit Card

Joining₹999
Annual₹999/yr
Reward1%Assumes 1 Reward Point = Re.1 when redeemed as cashback against statement credit (issuer's primary redemption path); min 500 RP to redeem, max cashback redemption ₹7,500 per calendar month. SmartBuy path only Re.0.3/RP.
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