The HDFC Bank Bharat Credit Card from HDFC Bank is designed for Mid-income users spending on fuel and digital payments.
⏱ 1 min read📅 29 Sep 2026✍️ Raj Thakur
✅ Verified September 2026 · 🔍 Reviewed by editorial team · 📊 Official bank data
Key Features
Annual Fee: ₹500
Reward Rate: 5% cashback on PayZapp and SmartBuy; 3% on fuel
Lounge Access: None
Forex Markup: 3.5%
Always verify on the official bank website before applying.
RT
Raj Thakur
Credit Card Analyst · 10BestCreditCards.com
Raj has reviewed 150+ credit cards across all major Indian banks. He specialises in cashback optimisation, travel rewards and forex savings. All data is sourced directly from official bank websites.
⚠️ Affiliate disclosure: Some links on this page are affiliate links. We may earn a commission if you apply through our links at no extra cost to you. This does not influence our rankings.
Frequently Asked Questions
The annual fee is ₹500. Check if you qualify for a fee waiver based on annual spend.
Mid-income users spending on fuel and digital payments
5% cashback on PayZapp and SmartBuy; 3% on fuel
Click the "Apply Now" button on this page. It takes you directly to the official HDFC Bank application page. You will need your PAN card, Aadhaar and income proof.
