Bharat Credit Card Review 2026 — Fees, Rewards & Eligibility
By Credit Card Hunt Editorial Team
Issuer: HDFC Bank
Network: Visa | Tier: Entry
The Bharat Credit Card is an Entry Visa credit card issued by HDFC Bank, best suited for beginners. It carries a joining fee of NIL, with an interest rate of 3.49% per month. Key benefits include UPI enabled card and Cashback. On fees — No airport lounge access; Foreign transaction markup: 3.5%; Fuel surcharge: 1% waiver. Applicants typically need ₹2,00,000/year to qualify. It falls under the Entry-level, Shopping, and Fuel category on CreditCardHunt.
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Why Choose the Bharat Credit Card?
The Bharat Credit Card is a Entry-tier Visa credit card issued by HDFC Bank, rated 4.2/5 by the Credit Card Hunt editorial team. It is best suited for Beginners. With a reward rate of Cashback and an annual fee of NIL, it ranks among the popular Entry-level cards in India in 2026.
New cardholders are welcomed with None, which adds immediate value in the first year.
Bharat Credit Card Fees & Charges
| Annual Fee | NIL |
|---|---|
| Joining Fee | NIL |
| Interest Rate | 3.49% per month |
| Foreign Markup | 3.5% |
| Fuel Surcharge Waiver | 1% waiver |
Bharat Credit Card Rewards & Benefits
| Reward Rate | Cashback |
|---|---|
| Welcome Bonus | None |
| Lounge Access | None |
| Best For | Beginners |
Key Highlights of the Bharat Credit Card
- UPI enabled card
- Cashback
Bharat Credit Card Eligibility Criteria
- Age: 21-60 years
- CIBIL score: 700+
- Minimum income: ₹2,00,000/year
Minimum Income Required: ₹2,00,000/year
Advantages of the Bharat Credit Card
- UPI integration — a genuine plus for anyone eyeing this entry card.
Drawbacks of the Bharat Credit Card
- Basic benefits — worth weighing before you apply.
Bharat Credit Card — Frequently Asked Questions
What is the annual fee of the Bharat Credit Card?
The Bharat Credit Card has an annual fee of NIL and a joining fee of NIL. New cardholders receive None as a welcome benefit, which helps offset the joining cost.
Does the Bharat Credit Card offer airport lounge access?
No, the Bharat Credit Card does not include complimentary airport lounge access. If lounge access matters to you, compare travel cards on CreditCardHunt.in.
Who is eligible for the Bharat Credit Card?
The minimum income requirement is ₹2,00,000/year. Banks typically also look for a CIBIL score of 700 or above and a clean repayment history.
What is the reward rate of the Bharat Credit Card?
The Bharat Credit Card earns Cashback. It is best suited for Beginners.
Credit Cards Similar to the Bharat Credit Card
If you are considering the Bharat Credit Card, these entry-level credit cards are worth comparing before you apply:
- SBI Cashback Card (Visa) by SBI Card — rated 4.7/5, ₹999 annual fee
- ACE Credit Card by Axis Bank — rated 4.6/5, ₹499 annual fee
- IDFC FIRST Select Credit Card by IDFC FIRST Bank — rated 4.5/5, NIL annual fee
- RBL ShopRite Credit Card by RBL Bank — rated 4.4/5, ₹500 annual fee
Official sources for this review
Fees, rules and limits described above are governed by the primary sources below.
- RBI Master Direction — Credit Card and Debit Card Issuance and Conduct Directions, 2022 — Reserve Bank of India
- Department of Financial Services — Banking Division — Ministry of Finance, Government of India
- Consumer Financial Decision-Making research — Wharton School, University of Pennsylvania
- RuPay Credit Card on UPI — circulars and guidelines — National Payments Corporation of India (NPCI)
Explore more on CreditCardHunt.in
- Browse all 100+ credit cards — filter by bank, fee, and reward type.
- Compare cards side by side — fees, rewards and benefits in one table.
- Find a card that matches your income and spending with our card finder.
- Read our credit card guides & FAQ.
Expert Rating: 4.2/5