HDFC BankVisaBharat Credit Card
3.6NeoFinQ editorial rating
Basic card for utility bill payers
- Utility and fuel rewards
- Low fee
- Joining fee
- ₹500
- Annual fee
- ₹500
- Reward type
- cashback
- Best for
- Cashback
- Est. rewards
- ₹18,000/yr
Our verdict
Basic card for utility and fuel rewards.
Perfect for
- Utility and fuel bill payers
Not ideal for
- Reward maximizers
Pros & cons
- Utility and fuel rewards
- Low fee
- Limited rewards
Rewards
5% Monthly Cashback on Fuel, IRCTC, Groceries, BillPay, and Mobile Recharge. Max cashback ₹150 per month. 1% fuel surcharge waiver (min ₹400 txn).
| Category | Earn rate |
|---|---|
| Fuel | 5% |
| Utilities | 5% |
| Cashback | 5% |
Fees & charges
| Joining fee | ₹500 |
| Annual fee | ₹500 |
| Renewal fee | ₹500 |
| Fee waiver | Waived on ₹50,000 annual spend |
| Waiver threshold | Spend ₹50,000/yr |
Eligibility
Min. income (annual)
₹1.5L
Employment
Salaried / Self Employed
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Annual fee ₹500