Business
HDFC BizFirst Credit Card
HDFC’s entry business card for small business owners: 3% back on EMI spends, 2% on bills and electronics, and an easy ₹50,000 fee waiver.
Joining fee₹500 + GST
Annual fee₹500 + GST
Fee waiverOn ₹50,000 spend a year
Top reward3% CashPoints on EMI spends
LoungeNone listed
Forex markupCheck with HDFC Bank
Best for: Small shop owners and freelancers who want a cheap card for business bills.
Rewards and cashback
| Where you spend | You earn | Limit |
|---|---|---|
| EMI spends | 3% as CashPoints | – |
| Utility bills, SmartPay, PayZapp, electronics | 2% as CashPoints | – |
| Other spends | 1% as CashPoints | – |
- HDFC does not publish clear caps; check the card terms.
Benefits
Welcome benefit
- ₹250 voucher on your first transaction within 37 days.
Milestones
- 2,000 CashPoints each quarter you spend ₹75,000.
Travel and lounges
- No lounge access listed.
Fuel and forex
- Check HDFC Bank for forex and fuel terms.
Other perks
- Interest-free credit for business purchases
Fees and charges
| Joining fee | ₹500 + GST |
|---|---|
| Annual fee | ₹500 + GST, waived on ₹50,000 yearly spend |
GST at 18% applies on fees. Banks change charges from time to time; the bank’s own terms are final.
Who can apply
- Self-employed, age 21 to 65
- ITR of ₹6 lakh or more
You will usually need PAN, Aadhaar or address proof, and income proof (salary slips or ITR). A credit score of 750 or more improves your chances.
Pros and cons
What we like
- Low fee and easy waiver
- 2% on bills
- Quarterly bonus
Watch out for
- Few travel benefits
- Point value depends on redemption
Frequently asked questions
Who can get HDFC BizFirst?
Self-employed people aged 21 to 65 with an ITR of ₹6 lakh or more.
Ready to apply for the HDFC BizFirst Credit Card?Applying takes about 10 minutes online. Approval depends on the bank.
Apply nowSimilar cards
Sources: Bajaj Markets · HDFC Bank. Details checked on 23 Oct 2026. For information only, not financial advice; always read the bank’s most important terms (MITC) before applying.