HDFC Bank recently launches HDFC Bharat CashBack Credit Card for the customers who have just begun their career and their pay scale comes under ₹ 2 lakh and ₹ 4 lakh.
This card is in collaboration with Bharat Petroleum (BP) Group.
Which brings HDFC Bharat cashback card into play.
This card holds some excellent features to attract small income customers.
Also Read: HDFC Solitaire Credit Card
Features & Benefits of HDFC Bharat CashBack Credit Card
This card holds the best features for middle-class users.
- Enjoy 5% CashBack on Train tickets booked from IRCTC website or IRCTC mobile app.
- Get 5% CashBack on Fuel Spending (only made at Bharat Petroleum fuel stations).
- Enjoy 5% CashBack on Grocery Spends.
- Cashback on all Bill payment and recharges (DTH, Broadband, Electricity bill, water bill, etc.).
In all the above 4 categories the maximum cashback per month would be ₹ 150, i.e. If you are speeding ₹ 100 daily in the above category If are getting a 5% discount. Isn’t it cool~.
- Another 5% CashBack for all EasyEMI, PayZapp and SmartBUY transactions from your card. (you can get another 5% discount in this category maximum up to ₹ 150).
Also Read:- HDFC Money Back Credit Card
Additional Benefits
- Get 1 % fuel surcharge waiver on spending maximum up to ₹ 150. Get a maximum cashback of ₹ 250 per billing cycle.
- Smart spending annually fill your pocket with ₹ 3600.
- Get 50 days credit facility on your spending.
- HDFC Bharat CashBack Credit Card provide cash withdrawal limit 40% of your credit.
- You will get the cashback in the form of points which can be easily converted into cash into your account like HDFC Cashback credit card.
- Foreign Exchange Markup fee 3.5% (which is common other than some selected forex credit card).
- Immediate updating of your lost credit card will free you from Lost Card liability.
Fees and charges of HDFC Bharat CashBack Credit Card
| Particular of Fee | Fee Charges |
| Annual & Renewal Fee | ₹ 500 + GST (Waived off if annual spending from your card is ₹ 50000. |
| Reward redemption fee | ₹ 99 (every time) |
| Minimum reward points required to redeem: 2500 | |
| Cash advance fee | 2.5% of the withdrawn amount or ₹ 500 (whichever is higher) |
| Interest-free period | 50 days credit facility on your spending |
| Add-on card issuance charges | Nil |
Also Read: Credit Card for Online Shopping
Eligibility Criteria
For the salaried employee:
- The minimum age should be 21 years.
- The maximum age should be 60 years.
- The monthly income should be ₹ 12000 (₹ 1.44 Lakhs).
For self-employed:
- The minimum age should be 21 years.
- The maximum age should be 65 years.
- Your Annual Income must be ₹ 2 Lakhs (as per ITR).
It is recommended to spend your daily required in the above categories which are very easy to use, that will bring your spending above ₹ 50000 per annum and you will get addition renewal fee waiver benefit, other than 5% cashback.
Click here to apply & Share your opinion below in comment box.