HDFC Bank BizGrow Credit Card

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.

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.

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.

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.