Bharat Credit Card

• Get 5% monthly cashback when you book tickets through IRCTC

I save more when I do more with my card

• Enjoy savings with 5% monthly cashback  on Fuel expenses.
  
• Get 1% surcharge waiver and save upto Rs. 250 in every billing cycle  (Min transaction of Rs. 400)
   

• Enjoy savings with 5% monthly cashback  on spends on Groceries 

• Enjoy savings with 5% monthly cashback  on Bill Payment and Mobile recharge through your Bharat Credit Card

• Get 5% monthly cashback on spends on PayZapp/EasyEMI/SmartBUY

• Category A - Maximum Cashback per month for category A is Rs. 150 (combined)
• Category B- Maximum Cashback per month for category B is Rs. 150 (combined)
• Recharges clubbed with mobile phone purchase, or recharges done at Merchant outlets dealing in mobile sales & accessories will not be eligible for 5% Cashback offer on recharges
• Wallet loading will not be considered for Cashback
• If spends overlap between Category A and B e.g. recharges done through PayZapp, customer will receive credit only under one feature
• Eligibility for Rewards Points on transaction is basis the Merchant Category Code (MCC) captured for the transaction. Only those MCCs recognized and considered by Partner Networks (RuPay) for the above mentioned categories will accrue 5% Reward Points. Transactions not recognized under the MCCs of Fuel/Groceries/IRCTC/Bill Payment & Mobile recharges will not accrue Reward Points
• With effect from 1st January 2023, Rent payments and Govt Related transactions will NOT earn Reward Points
  

For detailed Terms & conditions, Click here

• Stay protected against unauthorized use when you shop anywhere with EMV Chip Card technology

• Avail up to 50 interest-free days from date of purchase (subject to submission of charge by merchant)
• Enjoy Revolving Credit at Nominal interest rate

• Save annually up to Rs 3,600/- by simply using your HDFC Bank Bharat credit card. Detailed illustration on your savings using Bharat card

• Cashback will be retained as Reward Points and will be posted in the next statement. It can be redeemed as CashBack on customer request against statement balance (1 point = 1 Re.)
• With effect from 1st February 2023, Reward points redemption for CashBack redemption are capped per calendar month to 3,000 rewards points.
• With effect from 1st February 2023, cardmembers can redeem upto 70% of product/Voucher value through Reward points on select vouchers/products and pay the remaining amount via Credit card.