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Bharat Credit Card by HDFC Bank

by Kshitiz V Sharma on

The Bottom Line

Bharat Credit Card
The Best Entry Level Card by HDFC Bank

5% Cashback on grocery, fuel, utilities & travel bookings with IRCTC and 1% Cashback for everything else.

Monthly Spend ₹5K ₹10K ₹20K ₹50K ₹100K
Net Reward Yield 2.4% 1.9% 1.0% 0.5% 0.3%
Est. Monthly Reward (₹) 120 185 195 240 300
All-India Rewards Rank* 4 9 82 252 319
Within Bank Rank* 2 5 16 36 38
* Based on est. net reward yield for nearly 400 credit cards in India, for each monthly spending level. Read about how we calculate the net reward yield here.

The Bharat Credit Card give 5% cashback on grocery, fuel, utilities & travel with IRCTC and 1% cashback for everything else.

Overall, you can earn a net reward yield of 1.9-2.4% on spends below ₹10,000 with this card, making this a good entry level card.

The HDFC Bank Millennia Credit Card is the best choice for HDFC Bank customers who charge between ₹10,000 – 50,000 a month on their card. The Millennia has a net reward yield of 2.3-2.7% in that range.

The Millennia is only available for customers under 40 years of age. If you’re not eligible for the Millennia, consider the Paytm HDFC Bank SELECT Credit Card, which has net reward yield of 1.5-1.8%.

High spenders looking for an HDFC Bank credit card should choose the 6E Rewards XL – Indigo HDFC Bank Credit Card instead, which has a yield of 2.2% for monthly spending >₹50,000 a month.

Our list of the best credit cards in India, at every spending level and from every bank, is here. You can find a detailed discussion of our methodology here.


The Rewards

Card Bharat Credit Card
Card Type Cashback
Cashback Features 5% Cashback on:
– Groceries
– Fuel
– Utilities
– Travel (IRCTC)

1% Cashback for everything else

Milestone Rewards Nil
Other Rewards Nil
Rewards Redemption Fee ₹99
Cashback Caps ₹300 p.m.
Preferred Redemption Method Cashback against statement balance


Fees & Charges

Card Bharat Credit Card
Joining Fee ₹500 + Taxes
Annual Fee ₹500 + Taxes
Min. Annual Credit Card Spend
for Fee Waiver
₹50,000
Income Criteria Salaried >₹12,000 p.m.
Self-employed ITR>₹2 Lacs
Supplementary Card Fee Free
Interest Rate 43.20%
Foreign Currency Markup 3.50%
Cash Advance Charge 2.50% with a minimum of ₹500

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