HDFC Bank UPI RuPay Credit Card vs HDFC Bharat Credit Card
Joining Fees
₹250
₹500
Editor's Rating
3.5
3.3
Key Features
* Avail 3% Cashpoints on Groceries, SuperMarket & Dining spends & PayZapp transactions. The maximum points that can be earned in a calendar month is 500 Points
* Avail 2% Cashpoints on Utility spends. The maximum points that can be earned in a calendar month is 500 Points
* Avail 1% Cashpoints on other spends. The maximum points that can be earned in a calendar month is 500 Points
* Up to 50 days of interest free period on the HDFC Bank UPI RuPay Credit Card from the date of purchase
* Revolving Credit on HDFC Bank UPI RuPay Credit Card is at nominal interest rate
* In an annual year, before the Credit Card's renewal date, spend Rs. 25,000 or more and get renewal fee waived off from second year onwards
- 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
* Avail 3% Cashpoints on Groceries, SuperMarket & Dining spends & PayZapp transactions
* Avail 2% Cashpoints on Utility spends
* Avail 1% Cashpoints on other spends
Cons
* No Golf benefits
* No airport lounge access
* No fuel benefits
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
