HDFC Bharat Cashback Credit Card: The HDFC Bharat Cashback Credit Card, as name suggest, a cashback credit card issued by HDFC bank, offers great deals to its customers in different categories. This credit card comes with different offers such as you get cashback on fuel, grocery, mobile recharges, and many more.
The offer doesn’t end here you also get other benefits in other categories such as fuel, railway ticket and many more. This credit card is best suited for first-time users because of its relaxed eligibility criteria and for people who spend through payment platforms such as PayZapp, SmartBUY, and EasyEMI.
Therefore, here in this article we are going to see the all the benefits and features of the HDFC Bharat Cashback Credit Card and the eligibility to apply for the same.
Contents
1. HDFC Bharat Cashback Credit Card Features and Benefits
The HDFC Bharat Cashback Credit Card comes with few benefits across different categories such as fuel, grocery, mobile recharges, and many more, but this credit card doesn’t have many features.
Here we have mentioned the features and benefits offered by the HDFC Bharat Cashback Credit Card:
- Insurance Benefits: With this Credit Card, you get insurance benefits, including travel insurance, air accident cover worth Rs. 50 Lakhs, Medical emergency cover, Delayed baggage and Credit liability.
- Renewal Benefits: If you are able to spend Rs. 20,000 or more, Annual fee of Rs. 500 will be waived off in the previous year.
- Fuel Surcharge Waiver: On your fuel transactions upto Rs. 400, cardholders will get a fuel surcharge waiver of 1%, at fuel pumps all over India with max waiver capped at Rs. 250 per calendar month.
- Zero Liability Protection: You are not liable to fraudulent transactions made with the card in case of timely reporting i.e., within 24 hours about the theft or loss of the card
- Reward Points: You can enjoy 5% monthly cashback on Category A transactions like fuel expenses, railway ticket bookings through IRCTC, grocery and bill payments, and mobile recharge and maximum cashback on all the ‘Category A’ transactions combined is capped at Rs. 150. And, also can also enjoy a 5% monthly cashback on Category B transactions which includes payments done through platforms like PayZapp/SmartBuy/EasyEMI with maximum cashback on the ‘Category B’ transactions combined is capped at Rs. 150.
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2. HDFC Bharat Cashback Credit Card Fees and Charges:
- The Joining fee charges are- Rs. 500.
- The Annual fee and renewal fee charges, an annual membership fee of Rs. 500.
- The Cash withdrawal fee, is 2.5% i.e., Rs. 500 of the withdrawn amount.
- An interest rate of 3.6% per month (43.2% annually) is applicable on the due amount on the card if the cardholder is unable to clear all the dues by the payment due date.
- On all the Foreign currency transaction, you have to pay forex fee of 3.5% on the transacted amount. This fee is to be paid on all international transactions done using this credit card.
- Late Payment Charges are- apart from the interest rate, a late payment fee shall also be applicable, For Statement Balance: Less than Rs. 100: Nil, Rs. 100 to Rs. 500: Rs. 100, Rs. 501 to Rs. 5,000: Rs. 500, Rs. 5,001 to Rs. 10,000: Rs. 600, Rs. 10,001 to Rs. 25,000: Rs. 800, Rs. 25,001 to Rs. 50,000: Rs. 1,100 and Above Rs. 50,000: Rs. 1,300.
3. HDFC Bharat Cashback Credit Card Eligibility Criteria to Apply:
The common eligibility criteria and the documents required to apply for HDFC Bharat Cashback Credit Card are as follows:
- The age limit for applying for this card is 21-60 years of age for salaried person and 21-65 years of age for self- employed.
- The cardholder should be an Indian resident.
- The cardholder should be either salaried with min. monthly income of Rs. 12,000 or self-employed with min. Rs. 2 Lakhs per annum.
- For Identity Proof documents you need are Aadhar Card, Voters Id, PAN Card, Passport, Driving License.
- For Address Proof, Utility bills of the latest months, Aadhar Card, Passport, and Ration card are the needed documents.
- For Income Proof, you need to submit the latest bank statement as a salaried person, and can also, submit your company ID card, and if you are self-employed, you should submit your latest ITR.
4. How to Apply for HDFC Bharat Cashback Credit Card:
For HDFC Bharat Cashback credit card you can apply either online or offline. For offline mode, you can visit your nearest HDFC Bank branch with all the required documents and fill out the physical application form.
Here are the steps to be followed to apply for your HDFC Bharat Cashback credit card:
- Step 1: Visit Official website of the HDFC Bank- www.hdfcbank.com
- Step 2: Click on ‘Cards’ option, under ‘Borrow’ option.
- Step 3: Then, select ‘Credit Card’ option.
- Step 4: Under the category, Corporate or Business Credit Cards.
- Step 5: Choose the ‘HDFC Bharat Cashback Credit Card’.
- Step 6: Click on ‘Apply Now’.
- Step 7: Enter your mobile number and captcha to start the application, and all the requested details and providing the required documents.
This the way in which you can apply for HDFC Bharat Cashback credit card online.
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