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The HDFC Bank BizFirst Credit Card is an excellent option for business-related expenses. The joining fee for the card is Rs. 500, and the renewal fee is the same amount, both subject to GST. The card’s reward system is designed to cater specifically to business-related expenses, providing 3% CashPoints on EMI spends, 2% on utility bill payments, and SmartPay/Payzapp transactions. Additionally, 1% of CashPoints are earned on other expenses, including UPI transactions. Apart from the rewards, the card offers a welcome benefit in the form of a voucher worth Rs. 250 and a renewal fee waiver on spends exceeding Rs. 50,000.

HDFC Bank BizFirst Credit Card


Joining Fee

Rs. 500 + GST

Renewal Fee

Rs. 500 + GST

Best Suited For

Business Expenses |

Reward Type

Reward Points |

Welcome Benefits

Voucher Worth Rs. 250

Movie & Dining

Dinning Discounts Via Swiggy Dineout

Rewards Rate

3% CPs on EMI Spends, 2% CPs on Utility Bill Payments and Smartpay/Payzapp and 1% CPs on Other Spends Including UPI Spends.

Reward Redemption

Rewards Can Be Redeemed for Vouchers, Flight/Hotel Bookings, and Cashback Against Statement





Domestic Lounge Access


International Lounge Access


Insurance Benefits


Zero Liability Protection

Cardholder Will Not Be Liable for Any Fraudulent Transaction if the Card is Reported Lost or Stolen to the Bank in a Timely Manner

Spend Based Waiver

Renewal Fee Waiver on Spends of Rs. 50,000

Rewards Redemption Fee

Rs. 99

Rewards Redemption Fee

Rs. 99

Foreign Currency Markup


Interest Rates

3.60% Monthly (43.20% Annually)

Fuel Surcharge

Fuel Surcharge Waiver Up to Rs. 250 Each Statement Cycle on Transactions Between Rs. 400 and Rs. 5,000.

Cash Advance Charges

2.5% or Rs. 500

Add-on Card Fee


  • This is a card most suited for businessmen.
  • This card offers 55 days of interest-free credit.


  • This card comes at a low joining fee of Rs. 500.


  • Other than a decent reward structure, this card doesn’t offer any other benefits.

HDFC Bank BizFirst Credit Card Rewards

  • 3% CashPoints on EMI Spends (Merchant/EasyEMI, Aggregator EMI, and Brand EMI). The maximum earning limit for Cash Points has been set at 1,000.
  • You can earn 2% CashPoints when you pay your utility bills, purchase electronics, make transactions using SmartPay, or use PayZapp. You can earn 500 Cash Points each month for this category. 
  • You earn 1% CashPoints on all other expenses, including UPI spends. The maximum cap is 500 Cash Points in a month. 
  • No Cash Points shall be earned for Fuel, Rent Payments, Education Transactions, Wallet/ Gift /Prepaid Card loads, or voucher Purchase transactions.

Reward Redemption

Redemption Value of 1 Cash Point
Cashback (Against Statement) ₹ 0.15
Flight and Hotel Bookings on Smartbuy ₹ 0.15
Product Catalogue Via Netbanking and Smartbuy ₹ 0.15
Insta Vouchers (Amazon, Croma, Raymonds, Reliance Digital) ₹ 0.15
Business Catalogue Via Netbanking and Smartbuy ₹ 0.15


The Biz First Credit Card offers 55 days of interest-free credit period.
HDFC Bank BizFirst Credit Card

HDFC Bank BizFirst Credit Card


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