HDFC

HDFC Biz Grow Credit Card

Apply for HDFC Biz Grow Credit Card and earn 10X CashPoints on GST & business spends, get 4 lounge visits/year, and save 40% on business software & tools. Best for SME owners.

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Issued by

HDFC

HDFC Biz Grow Credit Card image
Joining Fee₹500
Annual Fee₹500
Income₹50000
Credit Score720

Key Highlights

Earn 2 CashPoints on every ₹150 spent

on all eligible business spends, capped at 15,000 CashPoints per statement cycle with 1 CashPoint worth up to ₹0.25

Shopping

Earn 5% Cashback

on SmartBuy purchases on Myntra, MakeMyTrip, Apple Imagine and more, capped at ₹1,000 per month

Dining

Get 10% Extra Off

on dining bills at 35,000+ restaurants via Swiggy Dineout when paying with the card

Travel

Earn 10X Cash Points

on hotel and flight bookings subject to minimum ₹10,000 statement cycle spends and a maximum of 1,500 Cash Points per cycle

Utility Bills

Get Assured Cashback upto ₹1,800

on SmartPay bill additions in the first year with e-vouchers worth up to ₹800 for adding 2 or more bills

Earn 10X Cash Points

on bill payments, IT payments and GST payments subject to minimum ₹10,000 statement cycle spends and a maximum of 1,500 Cash Points per cycle

Utility Bills

Save Up To 4%

on utility, IT and GST payments through accelerated rewards and partner payment platforms

Travel

Save Up To 40%

on business travel and software purchases through SmartBuy BizDeals

Travel

Get 4% Off

on flight and hotel bookings through MMT MyBiz powered by SmartBuy BizDeals

Utility Bills

Get SmartPay E-Vouchers

worth up to ₹800 in the first year for adding 2 or more bills on SmartPay

Eligibility

Age Criteria21-60

Applicants must be between 21 and 60 years of age at the time of application.

Credit Score720

A minimum credit score of 720+ is recommended for approval.

Salaried Income₹4 LPA

A minimum annual income of ₹4 LPA is required to apply for this card, as per bank eligibility criteria.

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, Salaried
New to CreditEligible

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 making one transaction within the first 37 days of card issuance, redeemable on Amazon, Swiggy, and more.
Annual Fee₹500

Not Applicable

Annual Fee WaiverThe annual fee is waived if you spend ₹1,00,000 or more in a year on your card, as per bank policy.
Estimated Annual Saving₹27300

Rewards & Redemption

Reward Conversion1 Cash Point = ₹0.25
Redemption Options
  • Cashback
  • Flights/Hotels (SmartBuy)
  • Product Catalogue
  • Business Catalogue
Earning ExclusionsRent Payment, Fuel Spends, Insurance Payments, EMI Spends, ATM Cash Withdrawals, Jewellery Purchases, Education Spends, Government-related Transactions, Wallet transactions, Load Money, Bank Charges & Fees, All Reversals, Gambling Transactions, Toll Payments, Security Broker Services, Charity, Railways, Balance Transfer, Financial Charges
Spend ExclusionsRent Payment, Fuel Spends, Insurance Payments, EMI Spends, ATM Cash Withdrawals, Jewellery Purchases, Education Spends, Government-related Transactions, Wallet transactions, Load Money, Bank Charges & Fees, All Reversals, Gambling Transactions, Toll Payments, Security Broker Services, Charity, Railways, Balance Transfer, Financial Charges

Benefits

All Benefits

  •  Earn 2 CashPoints on every ₹150 spent; 1 CashPoint = up to ₹0.25; capped at 15,000 CashPoints per statement cycle
  • Earn 10X CashPoints on Bill payments (Payzapp & SmartPay), Income Tax/Advance Tax, GST payments, hotel & flight bookings via MMT MyBiz, business productivity tools (Tally, Office 365, AWS, Google, Azure etc.) via SmartBuy BizDeals, DMart & Cleartax; applicable on minimum spends of ₹10,000 in a statement cycle; capped at 1,500 CashPoints per statement cycle
  • Earn 2,000 CashPoints on ₹1,00,000 quarterly spends
  • Assured cashback up to ₹1,800 in the first year and e-vouchers worth up to ₹800 on adding 2 or more bills on SmartPay
  • Maximum earning capped at 15,000 CashPoints per statement cycle
  • Get Up to 50% booking payable via CashPoints for travel bookings

Welcome Benefits

  • Get a gift voucher worth ₹250 on making one transaction within the first 37 days of card issuance (redeemable on Amazon, Swiggy & more)

Flight Benefits

  • Get Up to 40% savings on travel bookings via SmartBuy BizDeals
  • Get 4% discount on flights & hotels via MMT MyBiz
  • Redeem up to 50% of flight/hotel booking value using CashPoints
  • Get Up to 70% redemption allowed on select vouchers/products

Dining Benefits

  • Get Flat 10% extra discount on dining bills, valid at 35,000+ restaurants via Swiggy Dineout

Fuel Surcharge Waiver Benefits

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

Insurance Benefits

  • Get Business insurance starting at ₹3,785 annually
  • Get Fire & burglary cover up to ₹5,00,000 (higher plans available up to ₹50,00,000)
  • Cash in safe/ transit up to ₹25,000 (higher slabs available)  
  • Electronic equipment cover up to ₹50,000
  • Hospital cash (accident & illness) up to ₹1,000/day (up to 30 days)
  • Zero lost card liability if reported immediately
  • Get Credit liability cover up to ₹3,00,000

Bank Offers

  • Earn 5% cashback on SmartBuy purchases (Myntra, MakeMyTrip, Apple Imagine, etc.)
  • Earn Maximum cashback capped at ₹1,000 per month
  • Get Instant discounts on business tools (Google Workspace, Tally, AWS, Microsoft Azure) via Nuclei
  • Up to 40% savings on business travel and software purchases via SmartBuy BizDeals
  • 5% cashback on instant vouchers (Amazon, Swiggy, Reliance Digital etc.) via SmartBuy

Milestone Benefits

Minimum Spend₹100000
Within90 days
Reward Points Bonus2000

Documents

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

Terms

The bank may offer a different card variant based on your eligibility. Please carefully read the features of the card offered before submitting your application
A minimum transaction of Rs.100 within 30 days is required to activate the card, otherwise, you won’t be eligible for the Rewards.

FAQ

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