HDFC Bank Bharat Credit Card

HDFC Bank · ₹500 a year

A basic RuPay card with a small monthly cashback on essentials.

Base rate: 0% cashback.

What the bank says

• 5% cashback on fuel, groceries, bills, recharges and IRCTC, up to ₹150 a month in total
• No rewards on other spends

Where it pays more

• 5% on fuel, groceries, bills and recharges, up to ₹150 a month in total

Things that catch people out

• Everything else earns nothing, and the 5% stops at ₹150 a month.

Joining fee: ₹500. Foreign currency markup: not published. This card is no longer issued.

Read from HDFC Bank’s own page on 2026-09-16.

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