• Enjoy spending on your Bharat Credit Card with 5% CashBack on IRCTC / Bill Payment / Fuel
  • Enjoy 5% CashBack on EasyEMI / SmartBUY / PayZapp spends
  • Zero Lost Card liability post reporting of the loss of card


  • Save up to Rs 3000 by using the Bharat Card.
  • Get renewal fee waived on spends of Rs. 20,000 in a year prior to renewal date.

Know more

Click here for Credit Card Usage Guide

What are the features and benefits of a Bharat Credit Card?


You will get some exclusive features and benefits with your Bharat  Credit Card

    • Enjoy 5% CashBack on rail bookings through IRCTC website or mobile app.

      Enjoy 5% CashBack on Fuel Spends.

      Enjoy 5% CashBack on all Bill pay and recharges done using the Bharat card.

      Enjoy 5% CashBack for all EasyEMI, PayZapp and SmartBUY transactions using the card.

      Please note-
      • Maximum CashBack per month for categories 1,2 and 3 is Rs 150 (combined)
      • Maximum CashBack per month for category 4 is Rs 150 (combined)
      • CashBack will be retained as points and can be redeemed as CashBack on customer request.
      • 5% CashBack for eligible transactions will be posted in the next statement

    • Annual Savings
      Save annually up to Rs 3,000/- by simply using your HDFC Bank Bharat credit card. Click here for detailed illustration on your savings using Bharat card.

    • Fuel Surcharge waiver
      1% fuel surcharge waived off on fuel transactions.(Minimum transaction of INR 400. Maximum cash back of INR 250 per statement cycle).

    • Safe & Secure Transactions 
      DIP your Chip Card at any Chip enabled POS or swipe your card at any non-chip POS (Regular POS).

    • Zero liability on lost card 
      If you lose your Card, report it immediately to our 24-hour call centre. After reporting the loss, you have a zero liability on any fraudulent transactions made on your card.

    • Revolving Credit 
      Enjoy Revolving Credit on your Credit Card at nominal interest rate, refer Fees and Charges section.

  • Interest free credit 
    Avail up to 50 days of interest free period from the date of purchase (subject to the submission of the charge by the Merchant).

    Credit Card Offers: Click here for exclusive offers on your HDFC Bank Credit Card.


You are eligible for the Bharat Credit Card based on the following:

Customer ProfileCriteria
Salaried Age: Min 21 yrs & Max 60 Yrs, Income: Gross Monthly Income> Rs 12,000
Self Employed Age: Min 21 yrs & Max 65 Yrs, Income: ITR > Rs 2 Lakhs per annum

What are the fees and charges applicable to a Bharat Credit Card?

Please click here to view the fees and charges applicable on your Bharat Credit Card.

Goods and Services Tax (GST)

  • Effective 1st July 2017 Service Tax , KKC & SBC of 15% is replaced by Goods&Service Tax (GST) at 18%
  • The applicable GST would be dependent on place of provision (POP) and place of supply (POS).If POP and POS is in the same state then applicable GST would be CGST and SGST/UTGST else, IGST.
  • GST For FEE & Charges / Interest transactions Billed on statement date will reflect in next month statement.
  • GST levied will not be reversed on Any dispute on Fee & Charges / interest.

Have questions?


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