Earn CashPoints on every business spend and put your money back where it belongs.
3% CashPoints on EMI transactions
Up to 40% savings via SmartBuy
Enter your details to get started
| Benefit | Details |
|---|---|
| EMI CashPoints | Earn 3% CashPoints on EMI spends, capped at 1,000 CashPoints per month. |
| Utility and Digital Spends | Earn 2% CashPoints on utility payments, electronics, SmartPay, and PayZapp spends, capped at 500 CashPoints per month. |
| All Other Retail Spends | Earn 1% CashPoints on all other retail spends, including UPI transactions, capped at 500 CashPoints per month. |
| Welcome Benefit | Receive a Rs. 250 gift voucher on completing one transaction within 37 days of card issuance. |
| Quarterly Milestone Benefit | Earn 2,000 bonus CashPoints on quarterly spends of Rs. 75,000 or more. |
| Annual Fee Waiver | Rs. 500 renewal fee waived on spending Rs. 50,000 or more in a year. |
| Attribute | Classification |
|---|---|
| Issuer / Provider | HDFC Bank Limited |
| Bank / Non-bank | Bank-affiliated |
| Category | Super-Premium Business / Rewards / Travel / Lifestyle |
| Type of Card | Diners Club (Metal) |
| Free or Paid | Rs. 500 joining fee + Rs. 500 annual fee (waived on Rs. 50,000 annual spend) |
The HDFC Bank BizFirst Credit Card is aimed at self-employed individuals, small business owners, and entrepreneurs who are looking for a structured way to earn rewards on their regular business expenditure. The card is particularly suited for those who make frequent EMI purchases, pay utility bills, or use digital payment platforms like PayZapp and SmartPay as part of their routine business operations. With category-wise CashPoints, access to business travel deals via SmartBuy BizDeals, a bundled business insurance option, and a modest annual fee that can be waived on meeting a spending threshold, the card is a practical option for small and growing businesses seeking to make their day-to-day spends more rewarding.
CashPoints Redemption: CashPoints earned on the HDFC Bank BizFirst Credit Card can be redeemed for travel bookings via SmartBuy, for products from the business rewards catalogue, or applied as statement credit.
The value of 1 CashPoint is ₹0.15 when redeemed for flights or hotels via SmartBuy, with up to 50% of the booking value payable through CashPoints.
SmartBuy BizDeals: Cardholders can access SmartBuy BizDeals for savings of up to 40% on business travel. This includes a 4% discount on flights and hotels booked through MMT MyBiz, making it relevant for business owners who travel regularly.
Business Software Discounts: Through Nuclei, the card provides instant discounts on select business software subscriptions, including Google Workspace, Tally Prime, AWS, and Microsoft Azure.
Business Insurance Package: An optional business insurance package is available to cardholders starting at an annual premium of ₹3,785.
The cover includes fire and burglary insurance for the shop up to ₹5 lakhs, cash-in-safe or transit cover up to ₹25,000, electronic equipment insurance up to ₹50,000, and hospital cash of up to ₹1,000 per day for both accident and illness.
3% CashPoints on EMI spends (capped at 1,000 CashPoints per month). This is the highest earning tier and is relevant for business owners who convert larger purchases into monthly instalments.
2% CashPoints on utility bill payments, electronics, SmartPay, and PayZapp transactions (capped at 500 CashPoints per month): Regular business overheads such as electricity or broadband bills paid via the card would fall under this category.
1% CashPoints on all other retail spends, including UPI transactions (capped at 500 CashPoints per month): This serves as the base earning rate across general purchases.
CashPoints accumulated on the HDFC Bank BizFirst Credit Card can be redeemed in the following ways: for flights and hotel bookings on SmartBuy (up to 50% of the booking value can be paid via CashPoints, at a value of ₹0.15 per CashPoint), against products listed in the business rewards catalogue.
Welcome Benefit: New cardholders receive a gift voucher worth ₹250 on completing one transaction within the first 37 days of receiving the HDFC Bank BizFirst Credit Card.
Quarterly Milestone Benefit: Cardholders who spend ₹75,000 or more on retail transactions in a quarter (excluding rent and petrol) receive 2,000 bonus CashPoints.
The HDFC Bank BizFirst Credit Card offers a 1% fuel surcharge waiver at all fuel stations across India
Disclaimer: The card features, benefits, application process, and other details mentioned above are accurate at the time of writing but may change without prior notice.
| Fee Type | Amount | Details |
|---|---|---|
| Joining Fee | Rs. 500 + GST | One-time charge at the time of card issuance. |
| Annual / Renewal Fee | Rs. 500 + GST | Charged every anniversary year; waived if spends in previous year are Rs. 50,000 or more. |
| Criteria | Details |
|---|---|
Nationality | Indian citizen |
Occupation | Self-employed |
Age | 21–65 years |
Annual Income (ITR) | Above Rs. 6 lakh |
Credit Score | Good credit score recommended |
Residency | Resident of India |
| Document Type | Details |
|---|---|
| Identity Proof | PAN Card, Aadhaar Card, Passport, Driving Licence |
| Address Proof | Aadhaar Card, Passport, Driving Licence, Voter ID, utility bill |
| Income Proof | ITR filings, GST returns, bank statements, merchant payment reports |
| Photographs | Recent passport-size photographs |
Step 1: Click on Apply Now: Hit the "Apply Now" button to start your application.
Step 2: Fill in Your Detail: Enter your personal, contact, and financial details in the application form.
Step 3: Upload Required Documents: Upload your PAN Card, Aadhaar/Address Proof, and Income Proof.
Step 4: Submit Your Application: Review all the details and click Submit.
Step 5: Approval & Card Delivery: Once approved, your HDFC Bank BizFirst Credit Card will be delivered to your registered address.
| Usage Tips | Details |
|---|---|
Maximise EMI CashPoints | Use EMI for large purchases to earn 3% CashPoints. |
Claim Welcome Benefit | Make one transaction in the first 37 days to get Rs. 250 voucher. |
Target Quarterly Milestones | Spend Rs. 75,000 per quarter (excl. rent/petrol) to earn 2,000 bonus CashPoints. |
Use SmartBuy for Travel | Book flights/hotels via SmartBuy for discounts and Rs. 0.15/point redemption. |
Track Annual Spends | Reach Rs. 50,000 yearly to waive Rs. 500 renewal fee. |
Pay Utility Bills | Earn 2% CashPoints on electricity, broadband, and other bills. |
Explore Insurance Package | Optional cover starts at Rs. 3,785/year. |
Redeem CashPoints | Redeem regularly via SmartBuy or statement credit. |
The HDFC Bank BizFirst Credit Card is designed for users who want to maximize their credit card benefits effectively.
Disclaimer: The information provided on this page has been gathered from various reliable sources and is intended solely for general informational purposes. As details may change over time, we do not guarantee the accuracy or completeness of the content. Users are advised to verify the information with official or relevant sources before making any decisions or taking action.
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