Business
HDFC BizGrow Credit Card
A low-fee HDFC business card that earns 10X CashPoints on business spends above ₹10,000 a cycle, with a quarterly bonus.
Joining fee₹500 + GST
Annual fee₹500 + GST
Fee waiverOn ₹1 lakh spend a year
Top reward10X on business spends above ₹10,000
LoungeNone listed
Forex markupCheck with HDFC Bank
Best for: Small businesses spending ₹10,000+ a month on business purchases.
Rewards and cashback
| Where you spend | You earn | Limit |
|---|---|---|
| Business spends above ₹10,000 a cycle | 10X CashPoints | Monthly cap applies |
| Other eligible business spends | 2 CashPoints per ₹200 | – |
- A CashPoint is worth about ₹0.25, depending on how you redeem it.
Benefits
Welcome benefit
- ₹250 voucher on activation within 37 days.
Milestones
- 2,000 CashPoints each quarter you spend ₹1 lakh.
Travel and lounges
- No lounge access listed.
Fuel and forex
- Check HDFC Bank for forex and fuel terms.
Other perks
- Often offered lifetime free for a limited time
Fees and charges
| Joining fee | ₹500 + GST |
|---|---|
| Annual fee | ₹500 + GST, waived on ₹1 lakh 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 above ₹6 lakh
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
- 10X on larger business spends
- Low fee
- Quarterly bonus
Watch out for
- Caps on 10X not clearly published
- Few travel perks
Frequently asked questions
BizGrow or BizFirst?
BizGrow suits steady business spending above ₹10,000 a month; BizFirst suits EMI purchases and bills.
Ready to apply for the HDFC BizGrow Credit Card?Applying takes about 10 minutes online. Approval depends on the bank.
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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.