Cashback
Zero Forex
HDFC Bharat Cashback Credit Card
HDFC 8.5
CardTrail Score
Very Good
out of 10
Annual Fee
₹500
Spend ₹50K/year
Forex Markup
0%
No extra charge
Reward Rate
1%
Up to 5%
Lounge Access
0
domestic | 0 intl
About This Card
The HDFC Bharat Cashback Credit Card is a cashback credit card from HDFC with an annual fee of ₹500. It offers a base reward rate of 1.0% with up to 5.0% on select categories. Key perks include zero forex markup, fuel surcharge waiver. Best suited for cashback seekers and everyday users.
Pros & Cons
Pros
- Competitive 1.0% reward rate
- Zero forex markup — great for international use
- Fuel surcharge waiver saves on petrol/diesel
- Easy EMI conversion on purchases
Cons
- No complimentary lounge access
Fee Details
Annual Fee
₹500
Joining Fee
₹500
Fee Waiver Condition
Spend ₹50K/year
Fuel Surcharge Waiver
Yes
EMI Conversion
Yes
Reward Structure
Base Rate
1%
Max Rate
5%
Currency
Cashback
Welcome Bonus
₹500 cashback
Lounge Access
Domestic Lounges
0
International Lounges
0
Key Highlights
- + Annual fee ₹500 (waiver: Spend ₹50K/year)
- + Up to 5.0% rewards on accelerated categories
- + Zero forex markup on international spends
- + Fuel surcharge waiver at all pumps
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Quick Summary
Best For
cashback general
Annual Fee ₹500
Base Reward 1%
Max Reward 5%
Forex Markup 0%
Network RuPay
Min Income ₹3L+
CardTrail Score
Best For
cashback general
