HDFC Bank Biz Grow Credit Card
Travel
Reward Points
1st Year Fee: ₹500* Plus Applicable Taxes
Reward Points
10X Cash Points on business spends
Travel
Discount on flights & hotel bookings
Dining
Up to 20% discount on dining
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About HDFC Bank Biz Grow Credit Card
HDFC Bank Biz Grow Credit Card is specifically designed to cater to the needs of businesses, offering enhanced benefits on a wide range of business-related expenses. It offers an extensive rewards structure tailored to business needs, allowing cardholders to earn 2 Cash Points on every Rs. 150 spent on business expenses and 10X Cash Points on select business spends such as bill payments, tax payments, hotel bookings, and software purchases.
Beyond rewards, the credit card also offers other benefits, including discounts on flight and hotel bookings, as well as welcome and milestone bonuses, enabling cardholders to earn decent value back across various spending categories. Additional benefits like fuel surcharge waiver and up to 20% discount on dining further elevate the card’s overall value, making it a well-rounded option for business-related expenses.
Also Read: Best Credit Cards in India 2025
Reward Benefits
Cardholders can earn up to 10X reward points on business spends as per the below details:
- 2 Cash Points on every Rs. 150 on business spends1
- 10X Cash Points on select business spends2
Reward Points Redemption:
- Redeem Cash Points at a value of 1 Cash Point = Re. 0.25 against cashback, SmartBuy purchases & product catalogue
- Redeem Cash Points at a value of 1 Cash Point = Re. 0.30 against business catalogue
Other Features & Benefits
SmartBuy Benefits
- 4% off on flights and hotel bookings via MyBiz
- Instant discount on purchase of business softwares such as Google Workspace, Tally Prime, AWS, Microsoft Azure & more via SmartBuy
Welcome Benefit
- Gift voucher worth Rs. 250 on the first transaction within 37 days of card issuance
Milestone Benefit
- 2,000 Cash Points every quarter on quarterly spends of Rs. 1 Lakh
HDFC Bank Biz Grow Credit Card: Fees & Charges
| Fee Type | Amount | ||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Joining Fee | Rs. 500 | ||||||||||||||||||
| Annual Fee | Rs. 500 | ||||||||||||||||||
| Finance Charges | 3.75% p.m. (45% p.a.) | ||||||||||||||||||
| Late Payment Charges |
|
Things to Know Before you apply
Consider this card if:
You are self employed and looking for an option to earn rewards on business expenses
You prefer using PayZapp or SmartBuy for bill payments to earn accelerated reward points
You frequently travel for business and are looking to save on flight and hotel bookings
Eligibility & Documentation
Occupation: Self-employed
Age Requirement: 21 to 65 years
Income: Annual ITR of at least Rs. 6 Lakh
Paisabazaar Review
What do we like about this card?
HDFC Bank Biz Grow Credit Card is a business-focused card that offers decent value on business-related expenses. It offers accelerated (10X) Cash Points on everyday business transactions, including bill payments, hotel and flight bookings, Dmart purchases, and tax and GST payments, making it an ideal choice for managing routine business costs. Additionally, cardholders can earn accelerated rewards on the purchase of essential tools like Office 365, Tally, and more, further enhancing the card’s overall value for business owners.
Pros
- Welcome benefits equivalent to the joining fee
- 10X Cash Points on select business expenses
- Accelerated value back on everyday expenses through Dmart
Cons
- 10X Cash Points capped at 1,500 points per month
- Low redemption value for reward points
- No reward points on rent and fuel transactions
Conclusion
While many business credit cards offer accelerated benefits on business-related expenses, HDFC Bank Biz Grow Credit Card distinguishes itself by offering 10X rewards on essential business transactions such as bill payments, tax payments, and tool purchases. However, with a monthly capping of 1,500 reward points on the accelerated rewards, it may limit those who rely heavily on credit cards for their spending. Despite this, the card remains a good option for business owners seeking a low annual fee card that offers decent benefits on everyday business expenses.
Frequently Asked Questions
Everything you need to know about this credit card
HDFC Biz Grow and Biz First - both offer decent value-backs to the cardholders. Biz First offers accelerated CashPoints on EMI, electronics, utility bills, SmartPay and Payzapp spends, while Bix Grow focuses more on business-related spends, like bill & tax payments, and MMT travel bookings among others. Both cards also offer other benefits, discounts and offers in addition to the CashPoints. However, in order to pick the better card between these two options, your individual needs and spending patterns must be considered. The card that allows you to maximise your savings without overspending would be the most-suited one for you.
HDFC Biz Grow credit card offers an interest-free credit period of up to 55 days.
With HDFC Biz Grow credit card, you can avail Insta loan against your card’s credit limit. Additionally, for bigger loans, you can avail the Jumbo loan against your credit card beyond the credit limit offered on the card.
No, HDFC BizGrow credit card does not offer any complimentary access to airport lounges to the cardholders.
Footnotes
- 10X Cash Points are offered on minimum spend of Rs. 10,000 in a month and are capped at 1,500 Cash Points in a month.
- Cardholders can earn a maximum of 15,000 Cash Points in a month.
Click here to know More Terms and Conditions
Shruti Sharma
Shruti Sharma is a skilled content writer with a passion for simplifying personal finance for consumers. Specializing in credit cards and financial planning, she offers valuable insights that empower individuals to make informed financial choices. Through her writing, she shares practical tips and guides readers through the nuances of credit card usage.
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