HDFC Bharat Cashback cashback rate, cap and annual fee
HDFC Bharat Cashback pays 5% on fuel, and 5 other rates. The card costs INR 500 a year.
HDFC Bank · India · catalogue v101
Read from HDFC Bank's own published terms on 18 Sep 2026.
HDFC Bank has stopped issuing this card. Existing holders keep it — everything below still describes what it pays them — but it cannot be applied for.
INR 500Annual fee
INR 150Cap across the whole card
5%Best rate
What it pays, by category
| Spending | Rate | Monthly cap |
|---|---|---|
| fuel | 5.00% | —Fuel. Inside the ₹150 monthly ceiling shared with groceries, bills, recharges, IRCTC and PayZapp. |
| groceries | 5.00% | —Groceries. Inside the same shared ₹150 ceiling. |
| bill paymentsgovernment | 5.00% | —Utility and telecom bill payments, inside the same shared ₹150 ceiling. Government transactions themselves earn nothing, and this category covers both |
| phone and internet | 5.00% | —Mobile recharges, except at mobile outlets or alongside a handset purchase. Inside the same shared ₹150 ceiling. |
| IRCTC bookingstravel | 5.00% | —IRCTC ticket bookings. Inside the same shared ₹150 ceiling. |
| PayZapp, EasyEMI and SmartBuyonline and delivery | 5.00% | —PayZapp, EasyEMI and SmartBuy. Inside the same shared ₹150 ceiling. |
HDFC has stopped issuing this card; existing holders keep it, which is why it is still here. The 5% is real but the ceiling is the whole story: "Combined CashBack is capped at ₹150 per month for the mentioned categories" — one ₹150 ceiling across fuel, groceries, bill payments, recharges, IRCTC and PayZapp together, so the 5% is exhausted by ₹3,000 of spending across all of them. Rent, wallet loading and government payments earn nothing at all, and nor does anything outside the listed merchant codes. The separate "up to 10% via SmartBuy" is a ceiling rather than a rate and is not priced here. Cashback arrives as reward points at ₹1 each. Fee ₹500 to join and ₹500 a year. Source: hdfc.bank.in, checked 18 Sep 2026.
Questions people ask
What cashback does the HDFC Bharat Cashback pay?
5% on fuel, and 5 other rates.
Is there a cap on the HDFC Bharat Cashback?
Yes — INR 150 a month across the whole card, however you split your spending.
What is the annual fee on the HDFC Bharat Cashback?
INR 500 a year.
Knowing the rate is not the same as remembering it
PayperWIZ holds the cards you actually own and names the right one at the till — after the cap you have already used this month, and after the foreign-currency fee. It works offline and never connects to a bank.
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