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Federal BankThe 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
Fees
Joining Fee
Renewal Fee
Best Suited For
Business Expenses |
Reward Type
Reward Points |
Welcome Benefits
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
Travel
N/A
Golf
N/A
Domestic Lounge Access
N/A
International Lounge Access
N/A
Insurance Benefits
N/A
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
3.5%
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
Nil
- This is a card most suited for businessmen.
- This card offers 55 days of interest-free credit.
Pros
- This card comes at a low joining fee of Rs. 500.
Cons
- 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 |
