HDFC Bank Bharat Credit Card: Features, Benefits & More Explained in Detail in This Article

At a time when credit cards have moved beyond a payment option and are considered assets, the HDFC Bank Bharat Credit Card is one of the top choices of people who want the most out of their spends - travel, dining, or everyday spends. This is a first-of-its-kind card offering a combination of offers and benefits tailored for Indian consumers who love to explore, eat out, and earn rewards on all their spends.

In this extensive post, we will be reviewing the HDFC Bank Bharat Credit Card in detail – and telling you what its features, benefits are, and why this card could be the perfect fit for you! If you love to travel, or you simply love to enjoy good food and want earn rewards on everyday spending, there’s something in this card for just about everyone.

Get to Know the HDFC Bank Bharat Credit Card

HDFC Bank Bharat Credit Card, being one of the most popular banks in the country, is designed to assist the smartholders in building reward points whenever they are enjoying their favorite pastimes. As the name suggest is crafted for the Indian customer and comes with offers and benefits keeping in mind customers who like to travel and dine, and would want to save on their spends.

And in the case of HDFC Bank, which is popular for their multiple credit cards, the Bharat credit card is unique offering from them by virtue of some of the best feature it posses, annual fees & certainly the reward rate which directly influence cardholders in way that they do care about.

Salient Features of the HDFC Bank Bharat Credit Card

The HDFC Bank Bharat Credit Card is packed with a few of the standout features, which is sure to delight for those who desire to earn value on each rupee spent. Here are some highlights of the card:

Attractive Annual Fee

HDFC Bank Bharat Credit Card’s joining fee is also quite reasonable so it is a perfect card for beginners.
The renewal rate is also very affordable, which means you don’t have to spend all your savings just to keep the benefits of your card.

Reward Points System

The reward points of the HDFC Bharat Credit Card is one of its most outstanding features. You can get reward points on all kinds of transactions, which you can then redeem in the form of flight tickets, hotel stays, merchandise and shopping vouchers among others.

• 4 Reward Points per ₹150 for categories - dining, travel and entertainment.

• 1 Reward Point for every ₹150 spent on all other categories including your utility bills and retail purchases.

Travel Benefits

Travel Benefits: The HDFC Bharat Credit Card has strong Travel Benefits as well. It comes with some nice perks and bonuses for those who travel often, whether domestic or abroad.

• Complimentary Lounge Access: Cardmembers can use airport lounges all around the USA before a flight.

• Priority Pass Membership: This card includes a free Priority Pass Membership which will help the cardholders to access over 1,000 premium airport lounges all over the globe.

Dining Benefits

Dining Perks: Additionally, the card provides cardholders dining perks and includes discounts at participating restaurants and food outlets, perfect for individuals who love to eat out.

Fuel Surcharge Waiver

Customers who have the habit of refilling their vehicle with fuel can now enjoy fuel surcharge waiver at any petrol pump in India through HDFC Bharat Credit Card.

• 1% fuel surcharge concessions/refund on a minimum of ₹400 and a maximum of ₹5,000 per statement cycle for each Customer ID/ CIF.

Insurance Coverage

• Purchase Protection: Cardholders receive insurance that covers eligible purchases made with the card in the event of theft or damage.

• Air Accident Coverage: For those who are traveling by air, this card offers air accident coverage.

Advantages of the HDFC Bank Bharat Credit Card

With the features covered, let’s move on to the specific advantages that make the HDFC Bharat Credit Card something a lot of people need.

Reward Points Redemption

You can use the reward points collected on the card to avail exciting options including shopping vouchers, travel benefits and gift cards.

• Customers can redeem points on the HDFC SmartBuy portal for merchandise, hotel bookings, flight tickets and more.

• 4 Reward Points = ₹1, cardholders can derive maximum value every time any spend is made on the card.

• For the more experiential than material, points can be cashed in for flight bookings, hotel stays, and even movie tickets.

Dining Offers

For foodies, it is an HDFC Bharat Credit Card as it brings some great dining discounts on dining, which include 5% off at top of the line restaurants as well as most of the casual restaurants across India. That perk alone makes this card an excellent option for those who dine out frequently.

Travel Perks

Whether you are looking to plan a trip domestically or internationally, the travel features of the HDFC Bharat Credit Card can be players when it comes to making the most out of your travel. The card offers:

• Lounge Access: Get access to a select number of airport lounges in India and even internationally (with the Priority Pass Membership).

• Hotel & Flight Booking Rewards: Earn rewards and redeem your points to book flight tickets and hotel room to make travel more valuable.

Insurance and Security

Besides travel benefits, the HDFC Bharat credit card provides protection on the purchases made through your card. This also protects against damage, loss or theft of eligible all of your eligible purchases.

In addition, if your card is lost or stolen, you won’t be liable for any unauthorized transactions, relax your mind and your wallet. The air accident cover is supplemental income in case of any loss that may occur during journey on flight.

Low Annual Fee

The HDFC Bharat Credit Card is a great value card for annual fee is way cheaper than most premium cards. At just ₹599, it’s a cost-effective way of reaping benefits, such as reward points, travel benefits and dining offers.

At just 95, the fee is relatively low; a great option for people looking to get a premium product without costly annual fees.

Why Should You Opt for the HDFC Bharat Credit Card?

The HDFC Bharat Credit Card is special in many ways, especially if you are someone who travels, dines, and entertain often. Here are a couple of reasons you might want to consider this card:

Best for Everyday Rewards

As the HDFC Bharat Credit Card is not limited to high reward structure in particular category unlike other cards. Whether you’re eating out, shopping online, or paying for utilities, you’re rewarded with points that can be exchanged for travel, merchandise, and gift vouchers.

Travel & Dining Benefits

Very good for travellers- the HDFC Bharat Credit Card has free airport lounge access and travel benefits. It doesn’t matter if your are flying a domestic or international flight, the card enhances your travel. For food lovers too, the card ensures you're rewarded each time you dine at participating restaurants across India.

Flexibility in Reward Redemption

The HDFC Bharat Credit Card is very liberal when it comes to redemption of reward points. You can redeem points on hotels, flights or for products and gift cards with some of Australia’s largest retailers.

Low Fee, High Value

The annual fee of the HDFC Bharat should be viewed as a return on investment for the benefits and the features it has to offer. You can enjoy premium rewards, travel perks and dining deals for a relatively modest fee.

Comparison with Other Credit Cards

Among the other credit cards available in the market, HDFC Bharat Credit Card provides a decent mix of reward points, travel advantages and dining privileges, all at a reasonable price. Though, there are cards concentrating more on a particular category such as travel (HDFC Regalia Credit Card) or dining, but this is a balanced card.

It offers comparably against the likes of SBI Card Elite, ICICI Coral Visa Signature, and Axis Bank Ace Credit Card in terms of benefits and features with the difference of having less fee and is well suited for users looking to enjoy premium benefits at an affordable price point.

Conclusion

For those who are interested in earning rewards on their every purchase and availing benefits such as dining discounts, travel offers and reward points redemption, the HDFC Bharat Credit Card is a good choice. With a low annual fee and solid value, it’s good for casual spenders and those who want to maximize rewards on everyday buys.

If you enjoy traveling, going out to eat and collecting rewards, this card strikes a nice balance between cost and value. Whether you’re holidaying or having a sumptuous meal with your family, the HDFC Bharat Credit Card makes it even more joyful and rewarding.

Both as a spender and as an HDFC customer, you can get the best S/R/P value when you own this card, Only with the HDFC Bharat Credit Card you have the edge of value in reward points and super offer.