HDFC Bank EasyEMI Credit Card vs HDFC Bharat Credit Card

Joining Fees

₹500

₹500

Editor's Rating

2.5

3.3

Key Features

  • Milestone Benefit: Spend Rs. 20000 and more in the first 90 days to get first year membership fee waived off
  • Launch Offer: Get Rs. 1000 worth gift vouchers on spends of Rs. 1,00,000 and above in each calendar quarter, for the first year only
  • Contactless payment enabled
  • Get 5% CashBack on Amazon, Flipkart, Flight and Hotel bookings on shopping via PayZapp and SmartBuy
  • Get 2.5% CashBack on all online spends
  • Get 1% CashBack on all offline spends and Wallet reloads
  • All transactions of Rs. 10,000 and more will be auto converted to EasyEMI for 9 months. Do note that auto conversion will not be applicable on gold, jewellery, and fuel transactions, and the conversion will be processed after 5 business days from the date of transaction
  • Zero Lost card liability 
  • Up to 50 days of interest free period from the date of purchase
  • Revolving Credit is available at a nominal interest rate
  • Get 1% fuel surcharge waiver at fuel stations in India on minimum transaction of Rs. 400
  • Get 5% monthly cashback by booking tickets through IRCTC
  • On Fuel expenses, enjoy savings with 5% monthly cashback
  • Get 1% surcharge waiver and save up to Rs. 250 in every billing cycle (Min transaction of Rs. 400)
  • On Groceries spends, enjoy savings with 5% monthly cashback
  • Enjoy savings with 5% monthly cashback on Bill Payment and Mobile recharge
  • Get 5% monthly cashback on spends on PayZapp/EasyEMI/SmartBUY
  • Avail up to 50 interest-free days from date of purchase
  • Get Revolving Credit at Nominal interest rate
  • Save annually up to Rs 3,600 by simply using the HDFC Bank Bharat credit card

Editor's Review

Pros

  • Launch Offer
  • Get 5% CashBack on Amazon, Flipkart, Flight and Hotel bookings on shopping via PayZapp and SmartBuy
  • Get 2.5% CashBack on all online spends

Cons

  • No golf benefits
  • No rewards benefits
  • No airport lounge access

Pros

  • Get 1% surcharge waiver and save upto Rs. 250 in every billing cycle (Min transaction of Rs. 400)
  • Get 5% monthly cashback on spends on PayZapp/EasyEMI/SmartBUY
  • Avail up to 50 interest-free days from date of purchase

Cons

  • No Lounge Access
  • No Golf benefits


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