Explore Benefits of HDFC BankBiz FirstCredit Card

HDFC Bank

Explore Biz First Credit Card

Basic Information

Welcome Benefits ₹250 Gift Voucher on making at least 1 transaction within first 37 days of card issuance; voucher redeemable on brands such as Amazon, Swiggy and others.

Card Details Card Name: HDFC Bank Biz First Credit Card; Bank Name: HDFC Bank; Card Type: Business Credit Card

Eligibility Minimum Income Required: Annual ITR above ₹6 lakh; Employment Type: Self-Employed; Age Criteria: 21–65 years; Documents/Income proof: ITR / GST Returns / Bank Statements / Merchant Payment Reports

Rewards Program

Reward Points EMI Spends: 3% CashPoints, max 1,000/month; Utility Bills, Electronics, SmartPay & PayZapp: 2% CashPoints, max 500/month; Other eligible spends including UPI: 1% CashPoints, max 500/month; Maximum CashPoints: 15,000 per statement cycle; Validity: 2 years from accumulation.

Redemption CashPoints can be redeemed against statement balance, SmartBuy flight/hotel bookings, product catalogue and business catalogue; statement cashback value currently up to ₹0.15 per CashPoint; minimum 2,500 CashPoints required for statement redemption; flights/hotels redemption up to 50% of booking value; select products/vouchers up to 70% through CashPoints.

Travel Benefits

Travel Offers MMT MyBiz: 4% off on flight and hotel bookings.

Shopping Benefits

Online Shopping SmartBuy: Up to 5% cashback on selected travel/online shopping; Instant Vouchers: 5% cashback on selected vouchers such as Amazon, Swiggy, Reliance Digital etc.

Brand Offers Business productivity/software offers through Nuclei/SmartBuy Biz Deals, including Google Workspace, Tally Prime, AWS, Microsoft Azure and others.

Fuel Benefits

Fuel Savings Fuel Surcharge Waiver: 1% at fuel stations across India; eligible transaction ₹400–₹5,000; maximum cashback/waiver ₹250 per statement cycle.

Dining & Entertainment

Dining Swiggy Dineout: Up to 20% savings / offers on restaurant bill payments; specific offer may vary by merchant/offer terms.

Entertainment SmartBuy / PayZapp / business productivity offers available; no specific OTT benefit established.

Daily Spending Benefits

Utility Bills 2% CashPoints on eligible utility bill payments, maximum 500 CashPoints/month; SmartPay also earns 2% CashPoints.

Grocery Grocery transactions can earn applicable CashPoints; maximum 2,000 CashPoints/month for grocery.

Rent Payments Rental transactions attract 1% fee, capped at ₹3,000 per transaction; rent transactions are excluded from the ₹75,000 quarterly milestone calculation.

Insurance Payments Insurance transactions are excluded from the Utility transaction fee mentioned for transactions above ₹75,000; eligible insurance spends can earn CashPoints, subject to applicable caps.

Education Education payments through third-party apps attract 1% fee, capped at ₹3,000/transaction; direct payments through school/college websites or POS are not charged under this specific fee; international education transactions are not charged under this specific fee.

Insurance & Protection

Insurance Optional Business Insurance package starting at ₹3,785/year: Fire & Burglary for shop up to ₹5 lakh; Cash in Safe/Transit up to ₹25,000; Electronic Equipment insurance up to ₹50,000; Hospital Cash up to ₹1,000/day for accident/illness under the listed package. Higher covers are available.

Card Security Zero Lost Card Liability for fraudulent transactions on the credit card.

Digital Features

Payments UPI on Credit Card: RuPay Biz First can be linked with UPI apps; 1% CashPoint benefit on eligible UPI spends; Contactless Payment supported.

Mobile Wallet UPI support through apps including PayZapp, BHIM, MobiKwik, Paytm and PhonePe for the RuPay variant.

Banking Features HDFC MyCards: view transactions, CashPoints, statements, outstanding and due date; enable/disable online and contactless usage; set card limits and card controls.

Add-on Features

EMI Features Easy EMI: conversion/facility for large online and in-store purchases.

Bill Payments SmartPay: automatic payment facility for eligible utility bills; assured cashback up to ₹1,800 in the first year plus e-vouchers up to ₹800 for adding 2 or more bills, subject to terms.

Fees & Charges

Joining Charges ₹500 + applicable taxes

Annual Charges Annual/Renewal Fee: ₹500 + applicable taxes; Annual Fee Waiver: Spend ₹50,000 in an anniversary year / preceding 12 billing cycles to waive next renewal fee.

Finance Charges Interest: 3.75% per month / 45% per annum; Late Payment Charge: ₹900 in the applicable BizFirst calculation example.

EMI Charges EMI Facility: Easy EMI option available for large online/in-store purchases; EMI Reward: 3% CashPoints, maximum 1,000 CashPoints per calendar month.

Other Charges Rental Transaction Fee: 1%, capped at ₹3,000/transaction; Fuel transactions above ₹30,000: 1% fee, capped at ₹3,000/transaction; Utility transactions above ₹75,000: 1%, capped at ₹3,000/transaction; Education through third-party apps: 1%, capped at ₹3,000/transaction.

Customer Support

Service 24×7 card management: MyCards / WhatsApp Banking / NetBanking / PhoneBanking IVR; customer care numbers: 1800 1600 / 1800 2600.

Emergency Services Lost/Fraud protection: Zero Lost Card Liability for fraudulent transactions.

Performance & Ratings

Best Usage Best For: Business expenses, EMI spends, utility payments, UPI, SmartPay, fuel and business-related shopping/services.

Advantages Up to 55-day interest-free credit period; 3% CashPoints on EMI; 2% on utility/electronics/SmartPay/PayZapp; 1% on other eligible/UPI spends; ₹2,000 quarterly milestone; ₹50,000 annual spend fee waiver; fuel surcharge waiver; UPI support; business insurance option; SmartBuy/SmartPay benefits.

Limitations CashPoints have category/monthly caps; maximum 15,000 CashPoints per statement cycle; rent/fuel excluded from quarterly milestone; CashPoints expire after 2 years; several high-value utility/fuel/rent/education transactions can attract 1% additional fee.

Instant Check Eligibility | Biz First Credit Card

Instant Check Eligibility

Frequently Asked Questions About Biz First Credit Card

What is the HDFC Bank Biz First Credit Card and how can it benefit small business owners?

The HDFC Bank Biz First Credit Card is designed for self-employed individuals and business owners who want to manage their business expenses efficiently. It offers CashPoints on eligible purchases, fuel surcharge waivers, business-related offers, EMI facilities and up to 55 days of interest-free credit, subject to applicable terms. It can help business owners manage everyday expenses while earning rewards on eligible transactions.

Who is eligible to apply for the HDFC Biz First Credit Card in India?

Self-employed Indian citizens between 21 and 65 years of age can apply for the HDFC Biz First Credit Card, subject to the bank's eligibility and credit assessment. The stated income requirement is an annual ITR above ₹6 lakh. Applicants may use eligible financial documents such as ITR, GST returns, bank statements or merchant payment reports to support their application.

What is the minimum income required for the HDFC Bank Biz First Credit Card?

The stated income criterion for the HDFC Biz First Credit Card is an annual Income Tax Return (ITR) above ₹6 lakh. Since this is a business-focused credit card, self-employed applicants can also submit eligible GST returns, bank statements or merchant payment reports as supporting financial documents. Final approval depends on HDFC Bank's internal assessment.

What documents are required to apply for an HDFC Biz First Business Credit Card?

To apply for an HDFC Bank Biz First Credit Card, applicants may need their PAN card, identity and address proof, Income Tax Returns (ITR), GST returns, bank statements or merchant payment reports, depending on the bank's verification requirements. Additional documents or Video KYC may be requested during the application process.

How many CashPoints can you earn with the HDFC Biz First Credit Card?

The HDFC Biz First Credit Card offers different CashPoint earning rates on eligible transactions. Cardholders can earn 3% CashPoints on eligible EMI transactions, 2% on eligible utility bills, electronics, SmartPay and PayZapp transactions, and 1% on other eligible retail and UPI spends. Monthly earning limits and transaction exclusions apply. Cardholders can also earn 2,000 bonus CashPoints on eligible quarterly retail spending of ₹75,000 or more.

What are the joining fee and annual renewal charges for the HDFC Bank Biz First Credit Card?

The HDFC Biz First Credit Card carries a joining fee of ₹500 plus applicable taxes and an annual renewal fee of ₹500 plus applicable taxes. However, cardholders who spend more than ₹50,000 during an anniversary year (12 billing cycles) can qualify for a waiver of the renewal fee for the following year, subject to the bank's terms and conditions.

Can self-employed professionals and small business owners apply for the HDFC Biz First Credit Card without a salary slip?

Yes, salaried income proof is not the primary eligibility requirement for this self-employed business credit card. Eligible self-employed individuals and business owners can apply using financial documents such as ITR, GST returns, bank statements or merchant payment reports. Applicants must meet the bank's age, income and credit assessment requirements.

Does the HDFC Biz First Credit Card offer cashback or rewards on GST payments and business expenses?

The HDFC Biz First Credit Card is designed to support business-related spending through CashPoints on eligible transactions. It also supports eligible tax and GST payments through the relevant payment channels. However, reward eligibility varies by transaction category, and GST or tax payments should not automatically be assumed to qualify for CashPoints. Cardholders should check the latest reward exclusions and applicable charges before making payments.

How can I redeem HDFC Biz First Credit Card CashPoints against my credit card bill?

HDFC Biz First Credit Card CashPoints can be redeemed through eligible options such as statement balance redemption, SmartBuy bookings and the reward catalogue. For statement balance redemption, 1 CashPoint is equivalent to ₹0.10, and a minimum of 2,500 CashPoints is required. The redemption value may vary depending on the selected redemption option. Unredeemed CashPoints expire after two years from their accumulation date.

Can I use the HDFC Bank Biz First Credit Card for UPI payments and fuel transactions?

Yes, the RuPay variant of the HDFC Biz First Credit Card can be linked to supported UPI applications for eligible merchant payments. Eligible UPI transactions earn 1% CashPoints, subject to the applicable monthly reward limit and exclusions. The card also offers a 1% fuel surcharge waiver on eligible fuel transactions between ₹400 and ₹5,000, with a maximum waiver of ₹250 per statement cycle.

How can I apply for an HDFC Bank Biz First Credit Card online and check my application status?

You can apply for the HDFC Bank Biz First Credit Card online through the bank's official application process. Generally, you need to enter and verify your registered mobile number, date of birth and PAN details, confirm your information, select the card and submit your application. Depending on your profile, additional documents or Video KYC may be required. After submission, you can check your application status through the available HDFC Bank application tracking facilities.