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HDFC BankClassic

HDFC Bharat Cashback Credit Card

•••• •••• •••• 4242

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Quick facts

HDFC Bharat Cashback Credit Card

Top reward5% cashback

Annual feeLifetime Free

Min income₹15,000/mo

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⛽Fuel Masters

HDFC Bank · Classic tier

HDFC Bharat Cashback Credit Card

Entry fuel cashback card with no annual fee.

Key Benefits

Fuel (select stations): 5% cashback (cap ₹250/month reward)Other spends: 1% cashbackLifetime free — no annual feeBest for: Fuel commuters

Annual fee

Free

Top rate

5% cashback

Min income

₹15,000/mo

Eff. return

1.13%

Realistic net value (moderate user): ₹5,430/year

After ₹0 fee & ₹630 forex. Based on ₹40,000/mo spend.

12,400 users matched · Verified 2026-06-12

You apply directly with the bank. If you share your contact details on their form, the bank may call you. We never sell your data or make sales calls.

We earn commission if approved — at no cost to you. Zero sales calls.

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Our transparency commitment

✓ Reward caps shown in absolute ₹ — not just "5% cashback"

✓ Exclusions listed upfront — fuel, EMI, rent, wallet

✓ Point conversions with conservative ₹/point rates

Rates, fees, and eligibility notes are sourced from public issuer information and may contain errors. Always verify on the bank's website before applying.

All Benefits

Rewards, lounge rules, fee perks, and extras — sourced from public issuer information.

Fuel (select stations): 5% cashback (cap ₹250/month reward)
Other spends: 1% cashback
Lifetime free
1% on other spends
Best for: Fuel commuters
Best for: Lifetime-free seekers
Best for: ₹15K+ income

Source: HDFC Bharat T&Cs (public product page)

⛽Fuel Masters

BPCL, IOCL & surcharge waivers

Reward Structure

Source: HDFC Bharat T&Cs (public product page)

Fuel (select stations)

5% cashback

Cap: ₹250/month reward

Example: ₹250/mo spend → ≈ ₹12.50/mo (max at cap)

Other spends

1% cashback

Example: ₹10,000/mo spend → ≈ ₹100/mo

Excluded categories (no rewards)

EMIRentWallet loadsInsurance

What You Actually Earn (in ₹)

Absolute INR estimates based on your spends. Caps and exclusions applied — no marketing fluff.

Gross rewards / year

₹6,060

Before fees & forex

Costs / year

₹630

Fee ₹0 + forex ₹630

Net value / year

₹5,430

1.13% effective return on spend

Category-wise breakdown

Fuel

Spend ₹4,000/mo · 5% cashback

₹2,400/year

₹200/mo

₹4,000 × 5% = ₹200/mo

All other eligible spends

Spend ₹30,500/mo · 1% cashback

₹3,660/year

₹305/mo

₹30,500 × 1% = ₹305/mo

Estimates assume eligible spends only (exclusions per issuer T&Cs apply). Point values use typical redemption rates — actual value varies by redemption choice. Bank approval and reward crediting is at issuer discretion.

Best for

→Fuel commuters
→Lifetime-free seekers
→₹15K+ income

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Fees & Charges — Full Disclosure

All amounts in INR. Everything that can reduce your net value.

Joining fee

Lifetime free card

₹0

Annual / renewal fee

No renewal fee ever

₹0

Forex markup

3.5% on international transactions

Finance charges

≈3.5–3.75% per month (42–45% p.a.) if you revolve balance — pay in full to avoid

Late payment fee

₹400–₹1,300 depending on statement balance — always pay on time

Reward redemption fee

Usually ₹0 for cashback cards; points cards may have ₹99+ redemption fee

Example: moderate user net math

Gross rewards+ ₹6,060

Annual fee− ₹0

Forex cost− ₹630

Net annual value₹5,430

Eligibility Snapshot

Public criteria from HDFC Bharat T&Cs (public product page). Bank makes final decision.

Minimum age21–60 years

Min income (salaried)₹15,000/mo

Min income (self-employed)₹1,80,000/year

Employment acceptedsalaried, self employed

Credit historyNo minimum stated

CIBIL checkBank checks at application — CardHungry never pulls your score

Secured optionUnsecured card only

Card tierClassic — entry-level product

Important: These are indicative eligibility bands from issuer websites. Actual approval depends on the bank's internal score, existing relationship, and current portfolio policy. CardHungry shows bands, not guarantees.

FAQ

How much can I actually earn with HDFC Bharat Cashback Credit Card?+

At moderate spend (₹40,000/mo), gross rewards are about ₹6,060/year. After the ₹0 annual fee, net value is approximately ₹5,430/year. Use the calculator above to model your own spends.

What is the minimum income for HDFC Bharat Cashback Credit Card?+

₹15,000/month for salaried applicants (indicative — bank decides).

What spends do NOT earn rewards?+

EMI, Rent, Wallet loads, Insurance.

Does CardHungry pull my CIBIL score?+

No. We use public eligibility criteria only. The bank will check CIBIL when you apply.