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HDFC BANK LTD
HDFC Business Bharat CashBack Credit Card
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Verified Catalog
Source: HDFC BANK LTD Official
Updated: Aug 2026
Overview
Editorial snapshot & Positioning.
Business-focused credit card offering cashback on IRCTC, bill payments, fuel, Easy EMI, PayZapp and SmartBuy with fuel surcharge waiver (Note: This card has been phased out)
Key features
Highlights and rewards metrics.
The strongest rewards and lifestyle perks are surfaced as concise highlights.
Highlight 1
Cashback benefits for business users
Highlight 2
Foreign currency markup of 3.5%
Technical details
Fees structure and lounge network details.
Joining fee, annual fee, and lounge network coverage are shown in a minimal data grid.
Joining fee
₹250
The front-loaded charge when you apply.
Annual fee
₹250
Shown alongside the annual renewal cost.
Networks
Domestic & Int'l
Lounge network compatibility.
Rewards Calculator
Interactive Spend & Earning Estimation.
Slide to match your average monthly spending across categories and see how much value you earn back in a year.
Monthly Spending Profile
Dining & Food (1% value)
₹5,000Travel & Hotels (1.5% value)
₹5,000Groceries (1.5% value)
₹5,000Online Shopping (2% value)
₹10,000Other Spends (1% value)
₹5,000Estimated Annual Spends
₹3,60,000
Annual Value Back
₹5,400
Rewards value at ~₹1 per point.
Annual Fee: ₹250100% Offset
🎉 Your earnings completely offset the annual fee!
Premium Benefits
Core privileges & lounge coverage.
Explore travel, dining, lifestyle, and protection privileges associated with this card tier.
Airport Lounge Access
Complimentary lounge network access details available on issuer portal.
Hotel Privileges
"2 lounge accesses/year"
Detailed Schedule & Eligibility
Technical fees & documentation requirements.
View interest rates, Forex charges, late fees, and document checkmarks needed for approval.
No secondary fee details registered for this card.
Summary
Pros, cons, rating, and decision metrics.
CredHunt Expert Verdict
Editorial Review Score: 10/10
"Basic no-frills card for UPI users; low rewards but LTF with no spending requirements."
Expert opinion & editorial scorecard summarizing the card's position.
5.0 / 5
Pros
- Welcome Offer: Complimentary stay
- Base Rate: 4 reward points per ₹200 spent on other categories
- 2 reward points per ₹200 on certain categories
- Accelerated Rewards Program: 4% online cashback
Cons
- Dining: 1 RP/₹200
- Other Features: Annual preventive health check-up (25 parameters)
- Annual eye and dental check-ups
- Unlimited consultation with healthcare professionals
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Customer Reviews
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