HDFC bank
HDFC bizgrow business credit card
Get the HDFC BizGrow Business Credit Card — a business-focused credit card with rewards on GST payments, utility bills, tax payments, travel, and everyday business spending.
Highlights
Main benefits
- Business-focused credit card
- Up to 10X CashPoints on select business spends
- Rewards on GST and tax payments
- 1% fuel surcharge waiver
- Travel and software business benefits
- SmartBuy BizDeals access
- Up to 55 days interest-free credit period
Fees
Fees and charges
Joining fee
₹500 + GST
Renewal fee
₹500 + GST
Annual fee waiver
Annual fee waiver available on achieving eligible yearly spending milestones.
Who can apply
Eligibility
- Age: 21–65 years
- Self-employed Indian applicants only
- Annual ITR above ₹6 lakh preferred
- Good credit score preferred (750+ improves approval chances)
Checklist
Documents required
- PAN Card
- Aadhaar Card
- Address Proof
- Business Proof / GST Certificate
- Income Proof / ITR
- Bank Statements
Process
How to apply
1. Visit the official HDFC BizGrow Business Credit Card page.
2. Click on “Apply Now."
3. Enter your details:
- Mobile number
- PAN card
- Business details
- Income and employment details
4. Check eligibility status online.
5. Upload required documents:
- PAN card
- Aadhaar/address proof
- ITR or GST documents
- Bank statements
6. Complete video KYC / OTP verification.
7. Application review and approval. HDFC checks:
- Credit score
- Business income
- ITR/GST details
- Banking relationship
8. Card delivery. After approval, the physical card is delivered to your registered address.
Value
Reward and cashback structure
Reward rate
Earn 2 CashPoints on regular spending and up to 10X CashPoints on select business categories.
Cashback
Earn CashPoints on business spending with accelerated rewards on GST, tax, and utility payments.
Good fit
Pros
- Strong rewards for business expenses
- Useful for GST and tax payments
- Good utility and bill payment benefits
- Business travel discounts available
- Fuel surcharge waiver included
- Useful for self-employed professionals
Watchouts
Cons
- Mainly useful for business owners
- Annual fee waiver requires spending milestone
- Rewards capped on select categories
- Limited lifestyle and entertainment benefits
- Not ideal for personal cashback spending
Related
Related cards
Compare
Compare Cards
| Field | HDFC bizgrow business credit card | HDFC Diners Club Black METAL Credit Card |
|---|---|---|
| Bank/provider | HDFC bank | HDFC Bank |
| Joining fee | ₹500 + GST | ₹10,000/- plus Applicable Taxes |
| Renewal fee | ₹500 + GST | ₹10,000/- plus Applicable Taxes |
| Best for | Business expenses, GST payments, tax payments, utility bills, and business travel | Luxury travel, airport lounge access, and maximum reward points on high spending |
| Reward rate | Earn 2 CashPoints on regular spending and up to 10X CashPoints on select business categories |
|
| Cashback | Earn CashPoints on business spending with accelerated rewards on GST, tax, and utility payments | Cashback redemption value: around ₹0.30 per point against statement balance |
| Lounge access | Dining and travel benefits available through partner programs and SmartBuy BizDeals | Unlimited lounge access to 1,300+ lounges in India and abroad for primary and add-on card members |
| Fuel surcharge waiver | 1% fuel surcharge waiver on eligible fuel transactions across India | 1% waiver at fuel stations across India on transactions above ₹400, with a maximum waiver of ₹1,000 per statement cycle |
| Welcome benefit | Get a welcome voucher worth ₹250 on eligible card activation and first transaction | Annual memberships of Club Marriott, Amazon Prime and Swiggy One on 1.5 Lakh spends in first 90 days |
| Annual fee waiver condition | Annual fee waiver available on achieving eligible yearly spending milestones | Spend ₹ 8 lakh in 12 Months and get Renewal Fee waived for next renewal year |
| Eligibility |
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| Apply link | Apply | Apply |