CardAgent
Verified by CardAgent admin · last checked 08 Jul 2026
HDFC Bank

HDFC Bharat Cashback Credit Card

44
Ranked #42 of 170 in credit
creditVisa/Mastercard (also had a RuPay variant called plain "Bharat Credit Card")Entry-levelLegacy · discontinued

DISCONTINUED entry-level HDFC cashback card offering simple 1:1 point-to-rupee cashback (5% on fuel/groceries/bill payments/recharges) with relaxed eligibility, positioned below MoneyBack in HDFC hierarchy.

Score breakdown

Data completeness: 95% · Last verified: 09 Jul 2026

Reward value33/100 · weight 71%
≈ 1.63% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +1.5% score bonus — earns broadly without narrow category restrictions.
Fee efficiency95/100 · weight 12%
Redemption flexibility92/100 · weight 9%
Perks16/100 · weight 9%

Fees

All fees shown base + 18% GST (India card fees legally attract GST).

Joining fee
₹500 + 18% GST
= ₹590 total
Annual fee
₹500 + 18% GST
= ₹590 / year total
Waiver: Waived on Rs 50,000 annual spend in previous year (one older source cites Rs 20,000 — likely an earlier/lower threshold before revision)
Forex markup
3.5%

Lounge access

Domestic (per year)
0
International (per year)
0

Reward structure

CategoryTypeRateCapNotes
fuelcashback5%₹250 / monthly5% cashback on fuel, min Rs 400 transaction; DISCONTINUED card
groceries_offlinecashback5%₹250 / monthly5% cashback on groceries; DISCONTINUED card
diningcashback2%——
groceriescashback1%——
travelcashback1%——
online_spendscashback1%——
all_spendscashback1%——

Welcome offer

5% cashback on select spends from month one (no distinct welcome bonus beyond standard earn structure)

Milestone benefits

Pros

  • Simple 1:1 cashback (1 point = Re 1, easier to understand than typical HDFC point systems), 5% cashback on fuel/groceries/IRCTC/mobile recharge/bill payments and on SmartBuy/EasyEMI/PayZapp, relaxed eligibility for first-time credit users, Rs 50 lakh accidental death cover

Cons

  • DISCONTINUED — HDFC confirms not accepting new applications
  • 5% cashback capped low (Rs 150-250/month per category per varying sources), mobile recharges bundled with phone purchases or done at mobile-accessory outlets are excluded, no EMI conversion option per user reports

What's inside

More benefits

  • Accidental death insurance

    ₹50,00,000

    Up to Rs 50 lakh complimentary accidental death insurance

    yearly. DISCONTINUED card

Insurance cover

text
₹NaN

Eligibility

text
Age 21-60, salaried monthly income Rs 10,000-12,000+ (sources vary), self-employed ITR Rs 6 lakh+/year — notably relaxed eligibility criteria

Small print

Fuel surcharge:1% fuel surcharge waiver on Rs 400+ transactions, capped Rs 250/statement cycle