HDFC Bharat Cashback Credit Card – Review, Details, Offers, Benefits


HDFC Bank Bharat Cashback Credit Card is desgined for Emerging India with cashback on IRCTC / Bill Payment / Fuel / Payzapp/ Smart Buy


  • Enjoy 5% CashBack on rail bookings through IRCTC website or mobile app.
  • Enjoy 5% CashBack on Fuel Spends.
  • Enjoy 5% CashBack on all Bill pay and recharges done using the Bharat CashBack card.
  • Additionally enjoy 5% CashBack for all EasyEMI, PayZapp and SmartBUY transactions using the card.

Please note-

  • Maximum CashBack per month for categories 1,2 and 3 is Rs 150 (combined)
  • Maximum CashBack per month for category 4 is Rs 150 (combined)
  • 1% Fuel Surcharge waived off on fuel transactions ( Minimum transaction of INR 400, Maximum Cashback of INR 250 per statement cycle).
  • 15% off on 3000+ restaurants
  • Other exclusive offers on HDFC Credit Cards

Reward Points Collection

  • There is no reward points on HDFC Bharat CashBack Credit card
  • 5% cashback (max total Rs 150 per month) on HDFC SmartBuy Site

Reward Points Redemption

  • There is no reward points redemption on HDFC Bharat CashBack Credit card

Fees:   First year fee and Annual Fees – Rs 500

  • First year fee waived off if you spend Rs 10000 in first 90 days
  • Spend Rs 20,000 in a year and get a waiver of next year’s annual membership fee


This card offers 5% cashback on IRCTC / Bill Payments and Fuel (max Rs 150 per month cashback) . In a year, you can get a max cashback of Rs 3600.

Leave a Reply

Your email address will not be published. Required fields are marked *