Earn 10X Cash Points on essential business spends from bill payments and tax filings to travel bookings and business software.
10X Cash Points on select business spends.
Gift voucher worth ₹500 on the first transaction.
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| Benefit | Details |
|---|---|
| 10X Cash Points on Business Spends | Earn 10X Cash Points on select business transactions, including bill payments via PayZapp and SmartPay, income tax and advance tax payments, GST payments, hotel and flight bookings on MMT MyBiz via SmartBuy BizDeals, purchases of business productivity tools such as Tally, Office 365, AWS, and Google via SmartBuy BizDeals, spends at DMart, and transactions on ClearTax. Subject to a minimum monthly spend of ₹10,000; capped at 1,500 Cash Points per month on accelerated categories. |
| Base Reward Rate | Earn 2 Cash Points per ₹150 on all other eligible business spends. A maximum of 15,000 Cash Points can be earned in a month. |
| Reward Redemption Value | Cash points can be redeemed at 1 Cash Point = ₹0.25 against cashback, SmartBuy purchases, and the product catalogue. Redeemable at 1 Cash Point = ₹0.30 against the business's catalogue. |
| Welcome Benefit | Gift voucher worth ₹500 on making the first transaction within 37 days of card issuance. |
| Annual Fee Waiver | Annual fee of ₹500 waived on spending ₹1,00,000 or more in a card anniversary year. |
| Business Travel Discounts | Instant discounts on flight and hotel bookings made through MMT MyBiz on the SmartBuy BizDeals platform. |
| Business Software Discounts | Instant discounts on essential business software such as Google Workspace, Tally Prime, AWS, Microsoft Azure, and more via SmartBuy BizDeals. |
| Dining Discount | Up to 20% discount at partner restaurants through the Swiggy Dineout programme. |
| Fuel Surcharge Waiver | 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 at all fuel stations across India, capped at ₹250 per statement cycle. No reward points earned on fuel transactions. |
| Business Insurance Package | Complimentary business insurance coverage for fire and burglary worth up to ₹5 lakh, cash in safe or transit up to ₹25,000, electronic equipment up to ₹50,000, and hospital cash of ₹1,000 per day for accident and illness. |
| Loan Facility | Cardholders can avail an Insta Loan against the assigned credit limit. A jumbo loan facility is also available for borrowing beyond the credit limit without blocking any part of the existing limit. |
| Interest-Free Period | Up to 55 days of interest-free credit from the date of purchase. |
| Attribute | Classification |
|---|---|
| Issuer / Provider | HDFC Bank Limited |
| Bank / Non-bank | Bank-affiliated |
| Category | Business / Rewards / Travel |
| Type of Card | Visa |
| Free or Paid | ₹500 + Applicable Taxes annually (waived on ₹1,00,000 annual spend) |
The HDFC Bank BizGrow Credit Card is tailored for self-employed professionals, entrepreneurs, and small business owners seeking rewards on routine business expenses. It is ideal for those making digital payments for utilities, taxes, travel bookings, and productivity tools like Tally or AWS. The card offers 10X Cash Points on select business spends, aligning with regular operational needs. Additionally, it provides a base rate of 2 Cash Points per ₹150 on other transactions. With a low annual fee of ₹500, waived on ₹1 lakh annual spend, it remains cost-effective. A complimentary business insurance package further enhances its value by offering added financial protection.
Business-Focused Rewards: The HDFC Bank BizGrow Credit Card is built around the spending patterns of self-employed professionals and small businesses, with 10X Cash Points on high-frequency business expenses such as bill payments, tax filings, travel bookings, and essential software subscriptions.
SmartBuy BizDeals Platform: The card integrates with HDFC Bank's SmartBuy BizDeals platform, which serves as the central hub for earning accelerated rewards and accessing instant discounts on business travel bookings via MMT MyBiz and software purchases via Nuclei.
Business Insurance: The card comes with a complimentary business insurance package covering fire and burglary (up to ₹5 Lakh), cash in safe or transit (up to ₹25,000), electronic equipment (up to ₹50,000), and hospital cash of ₹1,000 per day for both accident and illness.
Dining Benefits: Cardholders can access discounts of up to 20% at partner restaurants through the Swiggy Dineout programme.
Loan on Card: The card offers two loan facilities Insta Loan (against the available credit limit) and Jumbo Loan (beyond the credit limit, without blocking the existing limit), providing financial flexibility for business expenses.
Fuel Surcharge Waiver: A 1% fuel surcharge waiver applies on transactions between ₹400 and ₹5,000, capped at ₹250 per statement cycle.
Reward Redemption: Cash Points can be redeemed via HDFC Bank's SmartBuy platform or through the bank's rewards catalogue, with a higher redemption value of ₹0.30 per Cash Point when redeemed against the business catalogue.
Customer Care: Cardholders can contact HDFC Bank credit card customer care on 1800-202-6161 or 1860-267-6161 (toll-free) for any queries or card-related assistance.
10X Cash Points: Earned on select business spends subject to a minimum monthly spend of ₹10,000 and capped at 1,500 cash points per month under the accelerated category. Eligible categories include:
Bill payments via PayZapp and SmartPay
Income tax and advance tax payments via eportal.incometax.gov.in
GST payments via payment.gst.gov.in
Hotel and flight bookings on MMT MyBiz powered by SmartBuy BizDeals
Purchase of business productivity tools such as Tally, Office 365, AWS, and Google via SmartBuy BizDeals
Spends at DMart
Transactions on ClearTax
2 Cash Points per ₹150: Earned on all other eligible business spends. A maximum of 15,000 cash points can be earned in a month across all categories.
Exclusions: Reward points are not earned on fuel transactions, rent payments, and certain other categories as specified by HDFC Bank in its terms and conditions.
Cash Points earned on the HDFC Bank BizGrow Credit Card can be redeemed in the following ways:
Cashback and SmartBuy: 1 cash point = ₹0.25, redeemable against cashback or purchases on the SmartBuy platform, including travel bookings, vouchers, and the product catalogue.
Business Catalogue: 1 Cash Point = ₹0.30, redeemable against the business catalogue available on the SmartBuy BizDeals platform, offering a marginally higher value for business-specific redemptions.
Gift Voucher: Cardholders receive a gift voucher worth ₹500 on making the first transaction within 37 days of card issuance. This effectively offsets the first-year joining fee of ₹500.
MMT MyBiz Discounts: Instant discounts on flight and hotel bookings made through the MMT MyBiz platform, accessible via SmartBuy BizDeals. Booking business travel through this platform also earns 10X Cash Points, subject to the monthly cap.
Software Discounts via SmartBuy: Instant discounts on essential business software including Google Workspace, Tally Prime, AWS, Microsoft Azure, and similar tools, available via SmartBuy BizDeals. Purchases of these tools through the platform also earn 10X Cash Points.
Swiggy Dineout Programme: Cardholders can access up to 20% discount at partner restaurants through the Swiggy Dineout programme, making the card useful for business lunches and client entertainment.
The HDFC Bank BizGrow Credit Card includes a complimentary business insurance package covering the following:
Fire and burglary cover for shop/office: Up to ₹5 Lakh
Cash in safe or transit: Up to ₹25,000
Electronic equipment cover: Up to ₹50,000
Hospital cash: ₹1,000 per day for accident and illness
Fuel Surcharge Waiver: A 1% waiver on fuel surcharges applies to transactions between ₹400 and ₹5,000 at all fuel stations across India, capped at ₹250 per statement cycle. Fuel transactions do not earn cash points.
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 | ₹500 + Applicable Taxes | One-time charge on card issuance. Effectively offset by the ₹500 welcome gift voucher on the first transaction within 37 days. |
| Annual Fee | ₹500 + Applicable Taxes | Waived on annual spends of ₹1,00,000 or more in a card anniversary year. |
| Finance Charges | 3.75% per month (45% per annum) | Applicable on outstanding balances carried forward beyond the due date. |
| Cash Advance Fee | 2.5% of the amount withdrawn or ₹500, whichever is higher | Applicable on ATM cash withdrawals; interest charges apply from the date of withdrawal. |
| Fuel Surcharge Waiver | 1% on ₹400–₹5,000 transactions | Maximum benefit of ₹250 per statement cycle. No Cash Points on fuel transactions. |
| Interest-Free Period | Up to 55 days | Applicable when the full outstanding balance is paid before the due date. |
| Late Payment Charges | ₹0 to ₹1,300 (based on outstanding balance slab) | Nil for balance up to ₹100; ₹100 for ₹101–₹500; ₹500 for ₹501–₹1,000; ₹600 for ₹1,001–₹5,000; ₹750 for ₹5,001–₹10,000; ₹900 for ₹10,001–₹25,000; ₹1,100 for ₹25,001–₹50,000; ₹1,300 for amounts above ₹50,000. |
| Criteria | Details |
|---|---|
Occupation | Self-employed individuals, entrepreneurs, and small business owners |
Age | 21 to 65 years |
Minimum Annual Income | Annual ITR of at least ₹6 Lakh |
Residency | Resident of India |
Credit Score | A good credit score of 750 or above is recommended for higher approval chances |
| Document Type | Details |
|---|---|
| Identity Proof | PAN Card (mandatory), Aadhaar Card, Passport, Driving Licence, or Voter ID |
| Address Proof | Aadhaar Card, Passport, Driving Licence, Voter ID, or recent utility bills |
| Income Proof | ITR (Income Tax Return) filings, GST returns, bank statements, and merchant payment reports as applicable |
| Business Proof | Business registration documents or equivalent proof of self-employment as required |
| 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 Details: Enter your personal information, including name, date of birth, contact details, employment information, and financial details in the application form.
Step 3: Upload Required Documents: Upload scanned copies of your PAN Card, Aadhaar/Address Proof, Income Proof, and a recent photograph.
Step 4: Submit Your Application: Carefully review all the details you've entered for accuracy and click the Submit button.
Step 5: Approval & Card Delivery: Once your application is approved after verification, your HDFC Bank BizGrow Credit Card will be dispatched to your registered address within 7-10 working day.
| Usage Tips | Details |
|---|---|
Route Business Payments Through the Card | Use the card for all eligible business payments via PayZapp/SmartPay, GST and tax filings, and DMart purchases to earn 10X Cash Points, subject to the ₹10,000 monthly minimum and 1,500 Cash Point monthly cap. |
Use SmartBuy BizDeals for Travel and Software | Book business flights and hotels via MMT MyBiz on SmartBuy BizDeals and purchase software like Tally, Office 365, and AWS through the same platform to earn 10X Cash Points and avail instant discounts simultaneously. |
Redeem via Business Catalogue for Better Value | When redeeming Cash Points, choose the business catalogue at ₹0.30 per Cash Point rather than cashback at ₹0.25 per Cash Point to extract marginally higher value from accumulated rewards. |
Claim the Welcome Benefit Early | Make the first transaction within 37 days of card issuance to claim the ₹500 welcome gift voucher, effectively recovering the joining fee. |
Track Spending to Meet the Annual Fee Waiver | Spend ₹1,00,000 in a card anniversary year to have the ₹500 annual fee waived; given the card targets business spenders, this threshold should be achievable for active cardholders. |
Use the Fuel Surcharge Waiver | Make fuel transactions between ₹400 and ₹5,000 to avail the 1% surcharge waiver, saving up to ₹250 per statement cycle. |
Use the Dining Discount for Business Entertainment | Use the Swiggy Dineout programme to access up to 20% off at partner restaurants when entertaining clients or dining for business purposes. |
Leverage Loan Facilities for Business Needs | Use the Insta Loan facility for short-term requirements against the available credit limit. For larger needs, the Jumbo Loan facility enables borrowing beyond the credit limit without blocking the existing limit. |
Pay the Full Outstanding Balance on Time | Pay the full outstanding balance before the due date to take advantage of the up to 55-day interest-free period and avoid finance charges at 3.75% per month. |
The HDFC Bank BizGrow 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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