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HDFC Bank

HDFC Bank Bharat Credit Card

HDFC Bank Bharat Credit Card

  • Joining Fee :

    Rs. 500 + GST

  • Renewal Fee :

    Rs. 500 + GST

  • Reward Type :

    Reward Points

Welcome Benefits

NA

Best suited for

Shopping

Product Details

  • 5% monthly cashback on Category A transactions (fuel expenses and ticket bookings through IRCTC, groceries, bill payments and mobile recharges).

  • 5% monthly cashback on Category B transactions (on payments done through PayZapp, EasyEMI or SmartBUY)

  • Cashback will be retained as reward points.

  • Avail 50 days interest-free period.

Rewards & Benefits

  • Movie & Dining

  • NA

  • Rewards Rate

  • 5% cashback every month on spending towards bill payments, and mobile recharge, fuel and railway tickets booked through IRCTC. 5% cashback every month while paying through PayZapp/EasyEMI/SmartBuy.

  • Reward Redemption

  • The reward points can be redeemed as cash back at the request of the cardholder. 1 Reward Point = Re. 1

  • Travel

  • You get 5% cashback on booking railway tickets through IRCTC.

  • Golf

  • NA

  • Domestic Lounge Access

  • NA

  • International Lounge Access

  • NA

  • Insurance Benefits

  • Accidental death cover of up to Rs. 50 Lakhs

  • Zero Liability Protection

  • Cardholders will not be held liable for card loss/theft on informing the bank within the prescribed time frame

Fees & Charges

  • Spend Based Waiver

  • Renewal fee waived off on spending Rs. 20,000 in previous year

  • Rewards Redemption Fee

  • Rs. 99

  • Rewards Redemption Fee

  • Rs. 99

  • Foreign Currency Markup

  • 3.5% on the conversion amount

  • Interest Rates

  • 3.6% p.m. (43.2% p.a.)

  • Fuel Surcharge

  • 1% fuel surcharge waiver on minimum transaction of Rs. 400. The waiver is capped at Rs. 250 per billing cycle

  • Cash Advance Charges

  • 2.5% or Rs. 500 whichever is higher

  • Add-on Card Fee

  • Nil

Live UPI withdrawals

₹20 is the minimum earnings required for withdrawal

3 Simple Steps to Earn FreeUPIcash
1
Login

It's just one click process to login with your Google account.

2
Shop through us

Search for the retailer you want to shop on, go to retailer and shop normally as you would otherwise do.

3
Earn freeupicash

We track your transaction on the retailer website and credit freeupicash to your account.

India's Largest FreeUPIcash Platform

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Ways to earn
1500+
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₹20
Min. withdrawal amount ( UPI )