HDFC is one of the trusted banks in India and the nation’s largest credit card issuer. In addition to personal credit cards, HDFC offers a range of business credit cards specifically designed to help business owners streamline their operations and manage expenses effectively. These business credit cards come with various features designed to meet the needs of different business sizes and requirements, making it super easy for enterprises to manage their financial transactions effortlessly while also enjoying rewards for their spending.
Whether you’re steering a small startup or overseeing a large corporation, HDFC’s business credit cards offer solutions that perfectly align with your unique business goals. Many of these cards let businesses earn reward points or cashback on everyday expenses like utility bills, vendor payments, advertising, and tax payments. You can redeem these reward points for vouchers, cashback, or even use them to offset future card payments, helping to lower your operational costs. Plus, some cards provide noteworthy cashback on tax payments, government expenses, and utility bills, making it simpler to manage your ongoing costs more efficiently!
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Explore a curated list of the best HDFC business credit cards available, each offering unique benefits and reward structures to cater to businesses of all types. Depending on your company’s specific needs, you can choose a card that aligns with your spending habits, travel requirements, and reward preferences.
5X RPs on Select Business Spends and 5 RPs on Other Spends of ₹150
Club Marriott Membership and Taj Vouchers Worth ₹5,000
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The HDFC Bank BizBlack Metal Edition Credit Card is an exclusive and rewarding option for larger enterprises, featuring a joining fee of ₹10,000. It offers 5X reward points on select business categories, including bill payments and vendor transactions. Welcome perks include a Club Marriott Membership and ₹5,000 Taj vouchers. Cardholders also benefit from unlimited free lounge access globally, enhancing travel for business professionals.
5X RPs on Select Business Spends (Google Ads, Reliance Digital, etc) and 4 RPs on Other Spends of ₹200
Amazon Prime Annual and Biz Prime (6 Months) Memberships
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2 Cash Points/₹200 on Business Spends. 10X Cash Points on Select Categories
Gift Voucher Worth ₹250
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3% CPs on EMI Spends, 2% CPs on Utility Bill Payments and Smartpay/Payzapp and 1% CPs on Other Spends Including UPI Spends.
Voucher Worth Rs. 250
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6 CashPoints/₹200 Spent on Tax Payments, Business Software Spends, Bill Payments, Business Digital Spends, and More. 2 Cash Points/₹200 on All Other Eligible Spends
Gift Voucher Worth ₹250
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3% Cashpoints on Groceries, SuperMarket, and Dining expenses; 2% Cashpoints on utility spends & 1% Cashpoints on every other expense.
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4 RPs/₹150 (Including Insurance and Utilities)
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5 RPs for Every ₹150 Spent
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3 Reward Points on every Rs 150 spent
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The HDFC Bank Corporate Platinum Credit Card, similar to the HDFC Corporate Premium Credit Card, is a popular choice for businesses. It offers a solid reward program, earning 3 Reward Points for every ₹150 spent, with a cap of 6,000 reward points per statement cycle. These points can be redeemed for miles with major international and domestic airlines, hotels, or catalog options. Additionally, the card provides 8 complimentary domestic lounge accesses annually, though it does not include international lounge access. Other features include insurance coverage and an Advanced Reconciliation Process to help businesses track and manage expenses effectively. Currently, there are no fees for the HDFC Bank Corporate Premium Credit Card, but it’s advisable to check with the bank for the latest updates.
4 reward points for every Rs. 150 spent
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4 Reward Points on every Rs 150 spent online and 2 Reward Points on every other spent
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HDFC Bank’s business credit cards offer some of the best reward structures in the market. Whether you are looking for cash back or points for purchases in business-specific categories like utilities, advertising, or vendor payments, these rewards can directly contribute to your bottom line, helping businesses save money on routine transactions.
All HDFC business credit cards have a very reasonable annual fee, and some, like the HDFC Bank Corporate Platinum Credit Card or the HDFC Bank Purchase Premium Credit Card, have no annual fee at all. For the cards that have an annual fee, the bank offers spend-based fee waivers, so if you are using the cards for your business expenses and you hit the milestone for spending, the annual fee is going to be waived off. For instance, the HDFC Bank BizBlack Metal Edition Credit Card has the highest annual fee of ₹10,000. The annual fee for this card can be waived once the user spends ₹7.5 lakhs or more in a year.
The majority of these cards offer an excellent reward point system that allows users to earn and redeem points. Cards like the HDFC Bank BizPower Credit Card or the HDFC Bank BizBlack Metal Edition Credit Card offer accelerated rewards for specific business expenses, making them even more worth holding and using. The accumulated rewards can then be redeemed for vouchers, cash against statements, transfers to partner hotel/fight programs, and more.
HDFC business cards come with travel perks, such as access to domestic and international airport lounges. These may be complimentary benefits, such as lounge access with Priority Pass Membership or lounge access for RuPay or Mastercard users. Five out of the twelve cards mentioned here come with access to airport lounges, which is a great advantage if your business requires you to travel alot. Similarly, the points you collect with these credit cards as cashback can be transferred to hotel loyalty programs or can be used to buy vouchers.
Cards like HDFC Business Regalia Credit Card also offer insurance coverage worth ₹1 crore on accidental air death and coverage worth ₹15 lakhs for emergency hospitalization for overseas treatment, which is a great benefit to come with a credit card.
HDFC Bank provides an extensive range of business credit cards that are tailored to meet the unique needs of various businesses, whether small, medium, or large enterprises.
For businesses that require regular travel, cards like the HDFC Bank Corporate Premium Credit Card and BizBlack Metal Edition Credit Card offer travel perks, including access to domestic and international airport lounges, travel insurance, and the ability to earn reward points that can be redeemed for miles on airlines and hotels. These features are ideal for companies with employees who travel frequently for business.
For small and medium enterprises (SMEs) looking for affordable solutions, cards like the HDFC Bank BizGrow Credit Card and Giga Business Credit Card are perfect. With low joining fees, minimal annual fees, and easy ways to earn rewards or cashback, these cards allow businesses to benefit from rewards programs without incurring high upfront costs. Moreover, many cards waive their annual fees after meeting specific spending criteria, further making them cost-effective options for growing businesses.
On the other hand, businesses focused on cost-effective operational expense management will find cards such as the HDFC Bank Purchase Credit Card and BizPower Credit Card valuable. These cards allow companies to track spending patterns and manage transactions more efficiently.
Selecting the best HDFC business credit card comes down to understanding your company’s spending habits, travel needs, and reward preferences. Whether you need a card that helps streamline business expenses, rewards you for routine transactions, or offers superior travel benefits, HDFC Bank has a suitable card option for every type of business. By reviewing the fees, reward structures, and added benefits of each card, you can ensure that you choose the best card to support your business’s financial needs and growth.
Yes, the HDFC Bank BizGrow Credit Card has a low joining fee of ₹500 plus taxes, making it an affordable option for small businesses.
The HDFC Bank BizBlack Metal Edition Credit Card has a joining fee of ₹10,000, which can be waived off if you spend ₹7.5 lakh or more in a year.
The HDFC Giga Business Credit Card is designed specifically for freelancers and small business owners, offering rewards for spending on advertising, cloud hosting, tax payments, and bill payments.
Yes, some cards, like the HDFC Bank Corporate Premium Credit Card and the HDFC Bank Purchase Premium Credit Car,d have no annual fee.
Choose the best card based on your business’s spending habits, travel needs, and reward preferences. Consider factors like annual fees, reward structures, and the additional benefits that align with your business needs.