Not available via the quiz
No longer accepting new applications.
HDFC Bank Bharat Credit Card
HDFC Bank
A very low-income-bar entry card with basic fuel and utility coverage.
₹500
Joining fee
₹500
Annual fee
Rs 500 fee waiver if spending exceeds Rs 50,000 yearly (aggregator-referenced; base annual fee amount not explicitly stated in fetched content).
3.5%
Forex markup
3.7 / 5
Rating
Eligibility
Estimated minimum income: ₹12,000+/month
Estimated — not officially confirmed by the bank.
Estimated minimum CIBIL score: 620+
Estimated — not officially confirmed by the bank.
Age: 21–60
Now moot for new applicants given discontinued status. Salaried min Rs 12,000/month; self-employed ITR exceeding Rs 2 lakh annually. Described by the aggregator as an entry-level card with relaxed eligibility criteria.
Key features
- 1% fuel surcharge waiver
- Up to 50 days interest-free credit
- ₹500 joining/renewal fee, no waiver spend threshold published
Reward details
- 5% cashback on IRCTC ticket bookings, groceries, bill payments, mobile recharges, fuel expenses — Rs 150 per category group/month (aggregate annual cap referenced as up to Rs 3,600/year across categories)
- 5% cashback on PayZapp/EasyEMI/SmartBUY transactions — Rs 150 per category group/month
Redemption
Cashback issued as reward points, applied toward credit card bill payments.
Ratio: 1 Reward Point = Re 1
- Fuel surcharge waiver 1% across all fuel stations, on transactions over Rs 400, capped at Rs 250/statement cycle.
Real-world feedback
Not found beyond the discontinuation notice itself, which is the dominant and most relevant status information for this card at this point.
Sources
- Aggregator — eligibility, rewards, discontinuation status
- Official (not independently verified) — page exists but did not render fee content