HDFC

HDFC Biz First Credit Card

Apply for HDFC Biz First Credit Card and earn 3% CashPoints on EMI, 2% on utilities & PayZapp, and 1% on all other spends including UPI. Best for small business owners.

ShoppingDiningTravelUtility BillsUPI
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Issued by

HDFC

HDFC Biz First Credit Card image
Joining Fee₹500
Annual Fee₹500
Income₹40000
Credit Score0

Key Highlights

Get 2000 CashPoints

on quarterly retail spends of ₹75,000 and above

Dining

Get Up To 20% Savings

on restaurant bill payments via Swiggy Dineout using the Swiggy app at 20,000+ restaurants

Utility Bills

Get E-Vouchers Worth ₹800

on adding two or more bills to SmartPay

Shopping

Get Up To 5% Cashback

on online shopping through SmartBuy

UPI

Get 1% CashPoints

on UPI payments made using your Biz First Credit Card

Utility Bills

Get Assured Cashback on Utility Bill Payments

through SmartPay with up to ₹1,800 in the first year

Travel

Get Up To 5% Cashback

on travel bookings made through SmartBuy

Get Up To 20% Savings

on restaurant bill payments via Swiggy Dineout using the Swiggy app at 20,000+ restaurants

Eligibility

Age Criteria21-65

N/A

Credit Score0

N/A

Salaried Income₹40000

N/A

Self-employed Income₹6 LPA

A minimum annual income of ₹6 LPA is required to apply for this card, as per bank eligibility criteria.

Employment TypeSelf Employed
New to CreditNot eligible

Fees & Waivers

Joining Fee₹500

A one-time joining fee of ₹500 plus applicable taxes is charged at the time of card issuance as per the bank's policy.

Joining Fee OffsetGift voucher worth ₹250 on first transaction within the first 37 days of card issuance.
Annual Fee₹500

Not Applicable

Annual Fee WaiverThe annual fee is waived if you spend ₹50,000 or more in a year on your card, as per bank policy.
Estimated Annual Saving₹40000

Rewards & Redemption

Reward Conversion1 CashPoint = ₹0.15
Redemption Options
  • SmartBuy – Flights & Hotels
  • Product Catalogue  
  • Business Catalogue
  • Cashback
Earning ExclusionsFuel Spends, Rent Payments, Education Transactions, Wallet/ Gift /Prepaid Card loads & Voucher Purchase Transactions
Spend ExclusionsFuel Spends, Rent Payments, Education Transactions, Wallet/ Gift /Prepaid Card loads & Voucher Purchase Transactions

Benefits

All Benefits

  • Earn 3% CashPoints on EMI spends; 1 CashPoint = up to ₹0.15; capped at 1,000 CashPoints per month
  • Earn 2% CashPoints on Utility bills, Electronics, SmartPay & PayZapp transactions; capped at 500 CashPoints per month
  • Earn 1% CashPoints on all other spends including UPI spends; capped at 500 CashPoints per month
  • Earn 2,000 CashPoints every quarter on spending ₹75,000 per quarter (excludes Rent & Petrol)
  • Maximum 15,000 CashPoints per statement cycle; expires after 2 years

Welcome Benefits

  • Avail a gift voucher worth ₹250 on making 1 transaction within the first 37 days of card issuance; redeemable on top brands like Swiggy, Amazon and more

Flight Benefits

  • 4% off on flight bookings via MMT MyBiz; discounted fares, free meal & seat selection, low cancellation fees

Dining Benefits

  • Enjoy Up to 20% savings on restaurant bill payments via Swiggy Dineout applicable on payments made through Swiggy App, valid across 20,000+ partner restaurants
  • Get 10% extra off on dining bills at 35,000+ restaurants

Fuel Surcharge Waiver Benefits

  • Get a 1% fuel surcharge waiver for transactions between ₹400 and ₹5,000, with a maximum waiver of ₹250 per billing cycle

Insurance Benefits

  • Zero lost card liability on fraudulent transactions if reported immediately
  • Credit liability cover of ₹3,00,000
  • Business Insurance package starting at ₹3,785 per year: Fire & Burglary cover up to ₹5,00,000; Cash in Safe/Transit up to ₹25,000; Electronic Equipment insurance (excluding terrorism) up to ₹50,000; Hospital Cash (Accident) ₹1,000 per day; Hospital Cash (Illness) ₹1,000 per day

Bank Offers

  • Easy EMI option available on large online and offline purchases using your HDFC BizFirst Credit Card
  • Zero liability on fraudulent transactions reported promptly to the bank

Milestone Benefits

Minimum Spend₹75000
Within90 days
Reward Points Bonus20000

Documents

PAN Card
Aadhaar Card or valid address proof
Latest salary slips or income proof
Recent bank statements

Terms

Card benefits, fees, and limits are governed by bank T&Cs.

FAQ

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