HDFC Bank BizGrow Credit Card
- Updated On: 20 July, 2026
The HDFC Bank BizGrow Credit Card is a great choice for small businesses and enterprises looking for a reliable and rewarding credit card. With a low joining fee of ₹500 plus applicable taxes, it’s an affordable option. If you spend ₹1 lakh in a card anniversary year, you can get the renewal fee waived. With the BizGrow Credit Card, you can earn 10X Cash Points for essential business expenses. Additionally, this card offers discounts on Swiggy Dineout, which can help you save big on dining expenses. If you want to learn more about the HDFC Bank BizGrow Credit Card, read on.
HDFC Bank BizGrow Credit Card
( 4.5 / 5 )
- Joining Fee
- Annual Fee
- Best Suited For
- Reward Type
Rewards Rate
2 Cash Points/₹200 on Business Spends. 10X Cash Points on Select Categories
Welcome Benefits
Limited Time Offer - Earn Fuel/Amazon Voucher of ₹500 on Making 6 Transactions Within 90 Days of Card Issuance. Gift Voucher Worth ₹250
Rewards and Benefits
Movie & Dining
Discount With Swiggy Dineout
Rewards Rate
2 Cash Points/₹200 on Business Spends. 10X Cash Points on Select Categories
Reward Redemption
Rewards Can Be Redeemed for Vouchers, Flight/Hotel Bookings, and Cashback Against Statement
Travel
N/A
Domestic Lounge Access
N/A
International Lounge Access
N/A
Golf
N/A
Insurance Benefits
N/A
Fees & Charges
Spend-Based Waiver
Renewal Fee Waiver on Spends of Rs. 1 Lakh
Rewards Redemption Fee
Rs. 99
Foreign Currency Markup
3.5%
Interest Rates
3.75% Monthly (45% Annually)
Fuel Surcharge Waiver
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
Product Details
- This card comes at a joining charge of Rs. 500 plus applicable taxes.
- This card is most suited for small businesses.
- You can earn up to 10X Cash Points for select categories of spends.
Pros/Cons
Pros
- This card comes at a low joining fee of Rs. 500.
Cons
- There is no lounge access provided with this card.
HDFC Bank BizGrow Credit Card Rewards
- 2 Cash Points on every business spend of ₹200
- 10X CashPoints (20 CP on Each ₹200 Spend) on select categories of business spends like-
-
- Bill Payments via SmartPay & PayZapp
- Income Tax/ Advance Tax Payment
- Vendor/Supplier & GST Payment via Swifti SmartHub Vyapaar.
- Dmart
- ClearTax
- Hotel & Flight Bookings on MMT MyBiz
- Business Software Purchase via SmartBuy BizDeals – Nuclei
- You would have to spend Rs. 10,000 each statement cycle to be able to avail of 10X Cash Points.
- You can earn a maximum of accelerated 1,500 Cash Points each statement cycle.
- You can earn a maximum of 15,000 Cash Points each statement cycle.
Reward Redemption
For redemption against the statement balance, you would need a minimum of 2,500 Cash Points.
| Redemption | Value of 1 Cash Point |
| Cashback (Against Statement) | ₹0.20 |
| Flight and Hotel Bookings on Smartbuy | ₹0.25 |
| Product Catalog via Netbanking and Smartbuy | ₹0.25 |
| Business Catalog via Netbanking and Smartbuy | ₹0.30 |
BizGrow Credit Card Other Features
Welcome Benefit
Get a gift voucher worth ₹250 on making one transaction within 30 days of card issuance. These vouchers can be redeemed for popular brands like Amazon and Swiggy.
Eligible HDFC Bank BizGrow Credit Card holders can earn a ₹500 Petrol or Amazon Voucher by completing 6 eligible transactions within 90 days of their card setup. This limited-time offer is applicable only to cards set up between 1 July 2026 and 30 September 2026. Additionally, the BizGrow Credit Card supports contactless payments for faster and more secure transactions, and cardholders can easily set or manage their PIN and contactless settings through the HDFC Bank MyCards portal.
Milestone Benefit
On spending ₹1 lakh every quarter, you shall receive 2,000 Cash Points. These Cash Points can be redeemed in multiple ways, such as cashback and vouchers. Rent and fuel spends shall not be counted towards the milestone.
HDFC BizGrow Credit Card Review
The HDFC BizGrow credit card is an excellent choice for small businesses and enterprises, thanks to its low fees, impressive rewards structure, and valuable benefits. While this card does not offer lounge access, its overall rewards structure is highly attractive and makes it a must-have for local and small businesses willing to forgo a few benefits in exchange for a low joining fee.
FAQs:
How many points shall I earn on spends at DMart?
You can earn 10X Cash Points on spends made at DMart with the BizGrow Credit Card.
What is the joining fee for the BizGrow Credit Card?
The BizGrow Credit Card has a joining and renewal fee of Rs. 500.
How does the renewal fee waiver work for the BizGrow Credit Card?
The renewal fee of Rs. 500 can be waived if you spend Rs. 1 Lakh in a card anniversary year.
Who is eligible for a Biz Grow credit card?
All individuals who fulfill the following criteria are eligible for a BizGrow Credit Card.
- An Indian citizen who is self-employed and aged between 21 to 65 years.
- Annual ITR above Rs 6 Lakhs.
10 comments
TARUN KUMAR
Can I pay this card bill from other bank net banking
Kartik Kanwar
Yes
Mihir Bhandari
Really great helpful information. Will follow this valuable site again and again 🙏🙏🙏🙏
Kartik Kanwar
Thanks
Vishal
Anyone used it?
Kartik Kanwar
Yes, it is a useful card for businesses.
AB
how
Ashish Bhatt
अभी आया है, उपयोग करने पर ही पता चल पाएगा।
Vineeta
So whats the review guys?
Mayur Sable
Kuch pata chala bhai