Explore Benefits of HDFC BankBiz PowerCredit Card

HDFC Bank

Explore Biz Power Credit Card

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

Instant Check Eligibility | Biz Power Credit Card

Instant Check Eligibility

Frequently Asked Questions About Biz Power Credit Card

What is the HDFC Bank Biz Power Credit Card and what are its key benefits?

The HDFC Bank Biz Power Credit Card is a business credit card designed for self-employed individuals, entrepreneurs and business owners. It offers reward points on eligible business expenses, accelerated rewards on selected payments such as Income Tax, GST, Google Ads and Meta Ads, airport lounge access, business travel benefits and discounts on business software. It also provides milestone vouchers and other lifestyle benefits, subject to applicable terms and conditions.

Who is eligible to apply for the HDFC Biz Power Credit Card?

The HDFC Biz Power Credit Card is primarily designed for self-employed Indian citizens aged between 21 and 65 years. As per the bank's current product information, applicants should have an annual ITR above ₹12 lakh. Final eligibility depends on the applicant's financial profile, credit history, documentation and HDFC Bank's internal approval criteria.

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

Applicants generally need an annual Income Tax Return (ITR) above ₹12 lakh to meet the eligibility criteria mentioned on the HDFC Bank Biz Power Credit Card page. The bank may also assess GST returns, business income, bank statements and other financial records while evaluating the application.

What documents are required to apply for the HDFC Biz Power Credit Card?

To apply for the HDFC Biz Power Credit Card, self-employed applicants may need to provide their PAN card, identity and address proof, Income Tax Returns (ITR), GST returns and bank statements. Additional business or merchant payment documents may be requested by HDFC Bank during the verification process.

What is the joining fee and annual renewal fee of the HDFC Biz Power Credit Card?

The HDFC Bank Biz Power Credit Card has a joining fee of ₹2,500 plus applicable taxes. The annual renewal fee is also ₹2,500 plus applicable taxes. However, cardholders can qualify for a renewal fee waiver by spending ₹4 lakh during the anniversary year (12 billing cycles), subject to the bank's terms and conditions.

How can I earn 5X reward points on the HDFC Bank Biz Power Credit Card?

Cardholders can earn 5X Reward Points on eligible business transactions, including Income Tax payments, GST payments, Google Ads, Meta Ads, selected bill payments, business software purchases and eligible hotel and flight bookings. The accelerated reward benefit requires qualifying spends of at least ₹25,000 in a statement cycle, excluding Income Tax and GST payments, and is subject to a maximum of 7,500 Reward Points per statement cycle.

Does the HDFC Biz Power Credit Card offer cashback or reward points on business expenses?

Yes, the HDFC Biz Power Credit Card offers reward points on eligible business and retail expenses rather than a standard cashback rate on every purchase. Cardholders can earn 5 Reward Points for every ₹200 spent on eligible business transactions, with additional accelerated rewards on selected categories. Reward Points can be redeemed through eligible options such as statement cashback, travel bookings and the bank's reward catalogue.

Does the HDFC Bank Biz Power Credit Card offer domestic and international airport lounge access?

Yes, the HDFC Biz Power Credit Card offers domestic and international airport lounge benefits. Eligible cardholders can get 2 domestic airport lounge visits per calendar quarter after meeting the previous quarter's spending requirement of ₹75,000. The card also offers 6 international lounge visits per year through Priority Pass, subject to applicable eligibility and usage conditions.

What welcome benefits are available with the HDFC Biz Power Credit Card?

Eligible first-time HDFC Biz Power Credit Card holders can receive an Amazon Prime annual membership or an Amazon voucher worth ₹1,500 by completing one qualifying transaction within the first 30 days of card issuance. The qualifying transaction may include Income Tax, GST, eligible travel bookings or Google Ads and Meta Ads payments. This welcome benefit is not applicable to card conversions, migrations or upgrades.

Can I use the HDFC Biz Power Credit Card for GST and Income Tax payments?

Yes, the HDFC Bank Biz Power Credit Card can be used for eligible GST, Income Tax and Advance Tax payments through the respective government payment portals. Eligible transactions may also qualify for accelerated reward points, subject to the bank's spending requirements, transaction limits and reward programme conditions. Business owners can also request GST number linking with their business credit card by following HDFC Bank's prescribed process.

How can I apply for the HDFC Bank Biz Power Credit Card online?

You can apply for the HDFC Bank Biz Power Credit Card online through Sum New Victory or the official HDFC Bank website. To begin, check your eligibility, enter your basic details, verify your mobile number and PAN details, and complete the application process. Depending on your profile, the bank may request additional documents or Video KYC. Final card approval and credit limit are determined by HDFC Bank after verification.