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 Rs. 500 plus applicable taxes, it’s an affordable option. If you spend Rs. 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 up to 20% 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
Best Suited For
Business Expenses |
Reward Points |
Movie & Dining
Discount With Swiggy Dineout
2 Cash Points/Rs. 150 on Business Spends. 10X Cash Points on Select Categories
Rewards Can Be Redeemed for Vouchers, Flight/Hotel Bookings, and Cashback Against Statement
Domestic Lounge Access
International Lounge Access
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. 1 Lakh
Rewards Redemption Fee
Rewards Redemption Fee
Foreign Currency Markup
3.60% Monthly (43.20% Annually)
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 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.
- This card comes at a low joining fee of Rs. 500.
- There is no lounge access provided with this card.
HDFC Bank BizGrow Credit Card Features
Get a gift voucher worth Rs. 250 on making one transaction within 30 days of card issuance. These vouchers can be redeemed for popular brands like Amazon and Swiggy.
On spending Rs. 1 lakh every quarter, you shall receive 2,000 Cash Points. These Cash Points can be redeemed using multiple options like cashback and vouchers.
HDFC Bank BizGrow Credit Card Rewards
- 2 Cash Points on every business spend of Rs. 150
- 10X CashPoints (20 CP on Each Rs. 150 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.
- 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.
For redemption against the statement balance, you would need a minimum of 2,500 Cash Points.
|Value of 1 Cash Point
|Cashback (Against Statement)
|Flight and Hotel Bookings on Smartbuy
|Product Catalogue Via Netbanking and Smartbuy
|Insta Vouchers (Amazon, Croma, Raymonds, Reliance Digital)
|Business Catalogue Via Netbanking and Smartbuy
HDFC Bank 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 reward structure is highly attractive and makes it a must-have for local and small businesses that are willing to forego a few benefits in exchange for a low joining fee.