HDFC · Credit Card

HDFC Bharat Credit Card

Official product: HDFC Bank Bharat Credit Card

Everyday

Designed for first-time credit card users
Simple, easy-to-understand rewards
Simple, no-frills card built for everyday spending

Opens the partner’s official application pageDownload product PDF

Fees, rewards and eligibility shown below are decided solely by HDFC and can change without notice — always confirm current terms on the official page before applying.

Fees & Charges

Joining Fee: ₹500 + taxes
Annual / Renewal Fee: ₹500 + taxes
Annual Fee Waiver Condition: Not disclosed by issuer — check official card page
Interest Rate / Finance Charge: 3.6% per month (43.2% p.a.) on many current HDFC consumer cards; card-specific MITC/product terms prevail.
Late Payment Charges: As per current HDFC Bank MITC / statement balance slab; see official MITC for current slabs.
Forex Markup Fee: Not disclosed by issuer — check official card page

Rewards, Travel & Lifestyle

Reward / Cashback Rate: Not disclosed by issuer — check official card page
Reward / Cashback Cap: Reward-point redemption capped at 3,000 points/month per current product terms.
Welcome Benefits: Not disclosed by issuer — check official card page
Domestic Lounge Access: Not disclosed by issuer — check official card page
International Lounge Access: Not disclosed by issuer — check official card page
Lounge Unlock / Spend Condition: Not disclosed by issuer — check official card page
Fuel Surcharge Waiver: Not disclosed by issuer — check official card page

Eligibility & Documents

Minimum Income / Eligibility: Not disclosed by issuer — check official card page
Age Eligibility: Generally 18+; exact upper age / income is product and underwriting dependent.
Employment Type: Salaried / self-employed, subject to bank underwriting.
Documents Required: PAN, identity proof, address proof and income proof such as salary slips/Form 16/ITR/bank statements, as applicable.

Official Sources & Verification

Official card page →Official MITC / Schedule of Charges →

Last verified: 2026-09-12. Verified from official source(s); undisclosed fields explicitly marked

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Before you apply

Frequently asked questions

What are the joining and annual fees for the HDFC Bharat credit card? ▾

Joining fee: ₹500 + taxes. Annual fee: ₹500 + taxes.

Who is eligible for the HDFC Bharat credit card? ▾

Generally 18+; exact upper age / income is product and underwriting dependent. Salaried / self-employed, subject to bank underwriting.