INDEPENDENT PUBLIC DIRECTORY: Eligo does not issue credit cards, collect customer applications, or earn affiliate referral commissions. All terms, fees, and interest charges below are sourced directly from the official hdfcbank.com (HDFC Bank Ltd.) Most Important Terms and Conditions (MITC).

🏛️HDFC Bank Ltd.Network: Visa / RuPayShopping & Rewards CardsLast Verified: 2026-09-28

HDFC Bharat Cashback Credit Card

एचडीएफसी भारत कैशबैक क्रेडिट कार्ड

Semi-urban and mass-market cashback card offering 5% cashback on IRCTC train tickets, fuel, grocery, and utility bill payments.

Annual Fee₹500 + GST (Renewal: ₹500 + GST)

Reward Rate5% Cashback on IRCTC train ticket bookings, fuel refills at all petrol pumps, bill utility payments via PayZapp, and grocery purchases (each category capped at ₹150 cashback per month).

Airport LoungeNo complimentary airport lounge access is included on this tier 2/3 mass-market card.

Forex Markup3.50% + GST on foreign currency transactions.

What Is This Card

HDFC Bharat Cashback Credit Card is specifically engineered for Tier 2, Tier 3, and semi-urban Indian consumers. It focuses reward benefits strictly on indispensable monthly expenses: IRCTC railway bookings, petrol pump fuel, household groceries, and electricity/water utility bills.

Key Benefits (Official MITC Sourced)

💳Annual Fee & Joining Fee

₹500 + GST (Renewal: ₹500 + GST)

Fee Waiver: Spend ₹50,000 or more in each preceding anniversary year to get the annual renewal fee of ₹500 waived.

🎁Welcome Benefit

500 CashPoints credited upon payment of joining fee and first retail purchase within 30 days of card issuance.

⚡Reward Points Structure

5% Cashback on IRCTC train ticket bookings, fuel refills at all petrol pumps, bill utility payments via PayZapp, and grocery purchases (each category capped at ₹150 cashback per month).

Redemption Value: 1 CashPoint = ₹1.00 directly redeemable against card statement balance (minimum 500 CashPoints required for redemption).

🛫Airport & Railway Lounge Access

No complimentary airport lounge access is included on this tier 2/3 mass-market card.

🛡️Insurance & Fuel Surcharge Waiver

Insurance Cover: Standard fraud liability cover up to credit limit under zero lost card liability.

Fuel Surcharge: 1% fuel surcharge waiver across all fuel stations in India on transaction amounts between ₹400 and ₹5,000 (maximum waiver of ₹250 per statement cycle).

🎯Milestone Spends & Grace Period

Milestones: Annual fee reversal on ₹50,000 annual spend. High 5% value back on everyday household and train commuting expenses.

Interest-Free Period: Up to 50 days of interest-free credit from transaction date.

What's Missing (Eligo's Honest Disclosures)

Fine-Print Exclusions & Realistic Costs

Cashback is subject to a strict monthly cap of ₹150 per category (maximum ₹600 total monthly cashback). No airport lounge access. Standard retail non-bonus categories earn no accelerated points.

Forex Markup Fee3.50% + GST on foreign currency transactions.

Cash Advance Fee2.5% of withdrawn amount or ₹500 (whichever is higher) + 3.60% monthly finance charges.

Finance Charges (Interest)3.60% per month (43.20% per annum) on revolving balances.

Late Payment SlabsNil for outstanding up to ₹100; ₹100 for ₹101–₹500; ₹500 for ₹501–₹1,000; ₹600 for ₹1,001–₹5,000; ₹800 for ₹5,001–₹10,000; ₹1,100 for ₹10,001–₹25,000; ₹1,300 for above ₹25,000 (+ GST).

Reward Points ExpiryCashPoints expire 2 years (24 months) from the date of accrual.

Categories Earning ZERO Rewards (Standard MITC Exclusion):Wallet top-ups, rent payments, educational institutional fees, and government tax payments.

Eligibility Criteria

Salaried Indian individuals aged 21 to 60 with monthly salary exceeding ₹15,000. Self-employed individuals aged 21 to 65 with annual ITR exceeding ₹6,00,000.

Age Requirement21 to 60 Years

Minimum Income₹15,000/month (Salaried) / ₹6,00,000/year ITR (Self-Employed)

CIBIL Score NoteA credit score of 700+ is accepted. Ideal for applicants establishing their first credit footprint in non-metro locations.

SBI RelationshipNot mandatory. Open to all qualifying Indian citizens.

How to Apply (Official Procedure)

Online Digital Application Flow

1Check card eligibility on hdfcbank.com or at local rural/semi-urban HDFC branch.

2Enter PAN and mobile number for instant eligibility check.

3Select HDFC Bharat Cashback Card (RuPay variant recommended for UPI linkage).

4Enter employer details and monthly salary.

5Complete online Video KYC session with bank official.

6Card is approved and dispatched via courier within 3 to 5 business days.

Branch Application for Offline Applicants

Apply at any HDFC Bank branch by submitting self-attested copies of PAN, Aadhaar, salary slip, and a passport-size photo.

Visit Official Card Page (hdfcbank.com)Download Official MITC (PDF)

Documents Required

1. PAN Card (statutory requirement)

2. Proof of Identity & Residence: Aadhaar Card, Passport, or Voter ID

3. Proof of Income: Last 3 months' salary slips with bank statement OR Latest ITR with Computation Sheet

4. Passport-size photograph.

Frequently Asked Questions (Official MITC)

What happens if I miss the minimum payment due on HDFC Bharat Cashback Credit Card?

If you do not pay at least the Minimum Amount Due (MAD) on or before the due date, late payment penalties will be charged according to the issuer's tariff: Nil for outstanding up to ₹100; ₹100 for ₹101–₹500; ₹500 for ₹501–₹1,000; ₹600 for ₹1,001–₹5,000; ₹800 for ₹5,001–₹10,000; ₹1,100 for ₹10,001–₹25,000; ₹1,300 for above ₹25,000 (+ GST).. In addition, revolving finance charges at 3.60% per month (43.20% per annum) on revolving balances. will be calculated from the original transaction dates on all outstanding balances and fresh purchases. You will lose the interest-free grace window, and the overdue record will be transmitted to credit bureaus (CIBIL, Experian, CRIF High Mark), adversely impacting your credit score.

Can I convert transactions on HDFC Bharat Cashback Credit Card into EMI?

Yes, HDFC Bank Ltd. provides merchant EMI and post-purchase in-app EMI conversion options for eligible transactions (typically above ₹1,500 to ₹2,500). Cardholders can configure repayment schedules from 3 to 24 months via the bank's mobile application, net banking dashboard, or SMS prompt. Conversion is subject to a nominal one-time processing fee (usually 1% to 2% + 18% GST) and tenure-based interest charges.

How do I track and redeem reward points or cashback on HDFC Bharat Cashback Credit Card?

You can monitor accrued reward points or cashback by accessing your monthly e-statements or logging into HDFC Bank Ltd.'s official mobile banking application or web portal. 1 CashPoint = ₹1.00 directly redeemable against card statement balance (minimum 500 CashPoints required for redemption). Please note: CashPoints expire 2 years (24 months) from the date of accrual.

What is the interest-free grace period on HDFC Bharat Cashback Credit Card and how does it work?

The interest-free period on HDFC Bharat Cashback Credit Card is Up to 50 days of interest-free credit from transaction date.. This benefit is applicable strictly when the full Total Amount Due from the previous billing cycle was cleared by the payment due date. If any residual balance is carried forward, all purchases immediately incur daily finance charges (3.60% per month (43.20% per annum) on revolving balances.) with zero grace period. ATM cash withdrawals never receive a grace period and incur interest and cash advance fees from the withdrawal timestamp.

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