Basic Information

Welcome Benefits Welcome Benefit: ₹1,500 Amazon Voucher / Amazon Prime Membership; Additional Welcome Benefit: Amazon Prime Annual Membership + Biz Prime 6 months subscription on completing one online transaction within the first 30 days

Card Details Card Name: HDFC Bank Biz Power Credit Card; Bank Name: HDFC Bank; Card Type: Business Credit Card; Network: Visa

Card Category Premium

Eligibility Minimum Income Required: Annual ITR above ₹12 lakh; Employment Type: Self-Employed; Age Criteria: 21–65 years

Rewards Program

Reward Points Reward Rate: 5X Reward Points on select business spends; 4 Reward Points on other eligible spends; Minimum Spend for 5X Rewards: More than ₹25,000 per statement cycle; Reward Value: 1 Reward Point = ₹0.25 (as per the 4 RP per ₹150 reward rate)

Redemption Reward Redemption Options: Reward redemption through HDFC Bank Rewards

Milestone Rewards Milestone Benefit: ₹2,500 voucher of MakeMyTrip or Reliance Digital on quarterly spends of ₹2.5 lakh; Annual Spend Benefit: ₹2,500 voucher of MakeMyTrip or Reliance Digital on quarterly spends of ₹2.5 lakh

Travel Benefits

Airport Lounge Domestic Airport Lounge: 16 complimentary domestic lounge visits; International Airport Lounge: 6 complimentary international lounge visits

Travel Offers Flight Discount: Travel booking offers through MMT MyBiz; Hotel Discount: Travel booking offers through MMT MyBiz; Travel Booking Offers: Hotel & flight bookings on MMT MyBiz powered by SmartBuy BizDeals

Shopping Benefits

Online Shopping Amazon Benefits: ₹1,500 Amazon Voucher / Amazon Prime Membership; Online Shopping Benefit: Amazon Prime Annual Membership + Biz Prime 6 months subscription on one online transaction within the first 30 days

Brand Offers Merchant Discounts: Up to 8% savings on business spends

EMI Offers Merchant EMI: EMI facility available

Dining & Entertainment

Dining Dining Discount: Up to 5% savings on dining bills with Swiggy Dineout

Daily Spending Benefits

Utility Bills Utility Bill Payments: Bill payments via SmartPay & PayZapp eligible for 5X Reward Points

Add-on Features

EMI Features EMI Conversion: EMI facility available

Fees & Charges

Joining Charges Joining Fee: ₹2,500 + applicable taxes

Annual Charges Annual Fee: ₹2,500 + applicable taxes; Annual Fee Waiver: Spend more than ₹4 lakh in an anniversary year (12 billing cycles) to get the renewal fee waived for the next year

Finance Charges Interest-Free Credit Period: Up to 55 days

EMI Charges EMI Facility: EMI facility available

Performance & Ratings

Best Usage Business Spends, GST Payments, Tax Payments, Bill Payments, Travel Booking, Business Software Purchases

Advantages 5X Reward Points on select business spends, up to 55 days interest-free credit, complimentary airport lounge access, milestone vouchers, Amazon Prime benefits

Limitations ₹2,500 annual fee; ₹4 lakh annual spend required for renewal fee waiver; ₹25,000 statement-cycle spend condition for 5X rewards