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HDFC Bank Bharat Credit Card
RuPay
HDFC Bank Bharat Credit Card
HDFC's entry-level, low-income-threshold card aimed at first-time credit card users in smaller towns, offering modest cashback on everyday essentials like fuel, groceries and mobile recharges. The low caps mean the absolute cashback earned stays small, but it is an accessible way to start building credit history with a major bank.
Annual fee
₹500
Joining fee
₹0
Reward type
cashback
Base reward rate
1%
Card network
RuPay
Card tier
Entry
Who this card fits
Best suited to applicants with a credit score of roughly 650+ whose spend is concentrated in fuel, groceries. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 1% base rate
Benefits by category
- 🛒 Groceries
5% reward rate (capped ₹150/monthly)
- 🧾 Utilities
5% reward rate (capped ₹150/monthly)
- ⛽ Fuel
5% reward rate (capped ₹150/monthly) · Fuel surcharge waiver at all fuel stations.
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 650
- Minimum monthly income: ₹12,000
- Employment: salaried, self-employed
- Age: 21–60
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹50,000
- Foreign currency markup: 3.5%
- Interest rate: 3.6% p.a.
- Fuel surcharge waiver: 1% fuel surcharge waiver on transactions between Rs 400 and Rs 5,000.
Benefits
- 5% cashback on fuel, grocery, mobile recharge and other everyday categories, capped at Rs 150/month per category.
- Fuel surcharge waiver at all fuel stations.
Pros
- + Low income eligibility bar
- + No joining fee
- + Cashback on everyday essentials like fuel and groceries
Cons
- − Very low monthly cashback caps
- − Reward rate outside bonus categories is minimal