On Fuel expenses, enjoy savings with 5% monthly cashback.
Get 5% monthly cashback by booking tickets through IRCTC
On Groceries spends, enjoy savings with 5% monthly cashback, and enjoy savings with 5% monthly cashback on Bill Payment and Mobile recharge through Bharat Credit Card
Enjoy Revolving Credit at Nominal interest rate
Save annually up to Rs 3,600/- by just using HDFC Bank Bharat credit card
Welcome Benefits include getting vouchers worth Rs. 500 on spending Rs. 15,000 within 90 days
5% cashback on making the first EMI transaction made within 90 days of card set-up
10X Reward Points on purchases greater than Rs.20,000
6X Reward Points on all online purchases and 3X Reward Points on all offline purchases
4 complimentary domestic lounge access per quarter
4 complimentary Railway lounge access every quarter
Low foreign exchange mark-up fee of 1.99%
20% discount on 1500+ Restaurants
15% discount on 3000+ Health & Wellness Outlets
Free Road Side Assistance(RSA) worth Rs. 1,399
Editor's Review
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
Pros
10X Rewards on all spends done on your Birthday
Reward points will never expire
Comprehensive Travel Insurance Cover of Rs. 22,500
Cons
Welcome gift voucher is only provided on spending Rs.15,000 within 90 days of card set-up
Interest-free cash withdrawal available for 48 days only
The dining benefits provided by the card are satisfactory but not that great