Earning rates across spend categories
Annual fee waived on spends of ₹50,000
| Joining Fee | ₹500 + GST |
| Annual Fee | ₹500 + GST |
| Annual Fee Waiver | Available |
| Foreign Currency Markup | 3.50% |
| Cash Advance Fee | 2.50% |
The HDFC Bank Bharat Credit Card is designed for rural and semi-urban India, offering a flat 5% cashback on fuel, groceries, bill payments, and government transactions — categories that form the backbone of everyday spending in smaller cities and towns. With a low ₹500 annual fee (waived on ₹50K spend) and a RuPay network enabling UPI payments, it's a practical everyday card for tier-2/3 city users.
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Households in rural, semi-urban, or smaller cities who want straightforward cashback on fuel, groceries, and utility bill payments without complex reward structures.