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.