Users will get a gift voucher worth INR 250 on making one transaction on this credit card within the first 37 days of card issuance. This gift voucher is redeemable on top brands like Amazon, Swiggy & more.
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HDFC Bank Biz Grow Credit Card
Rewards & Benefits
Welcome Benefits
Users will get a gift voucher worth INR 250 on making one transaction on this credit card within the first 37 days of card issuance. This gift voucher is redeemable on top brands like Amazon, Swiggy & more.
Milestone Benefits
Milestone benefit:Users will earn 2000 cash points every quarter on quarterly spending of Rs 1,00,000. (all retail spending excluding rent and petrol) and users can redeem cash points against the statement. (1 cash point = INR 0.25).
Cashback Rate
Users will receive 2 cash points on spending INR 150.
Value of 1 cash point = INR 0.25
General cashback: 0.33%.
10x cashback on (a) bill payment for utilites via Smartpay app/website or Payzapp app/website, (b) income tax/advance tax payment, (c) GST tax payment, (d) hote and flights booked through MMTBiz app/website, (e) business tools like, Office 365, Google, Azure, Tally, AWS, etc. (f) Dmart, (g) Cleartax app/website.
Special Cashback Rate: 3.33% (Maximum 1,500 Cash Points per statement cycle.)
Movie Benefits
None.
Dining Benefits
Dining benefits:Users will get up to 20% savings on all restaurant bill payments with Swiggy Dineout on paying via the Swiggy App.
Other Benefits
Cardholder will get upto 40% off on (a) business travel when purchasing ticket through HDFC's Smart Buy / Business category and (b) business software purchase through HDFC's Smart Buy / Business category.
4% off on flights and hotels on using the card with MMT MyBiz app/website.
Discount on purchase of software subscriptions such google workspace, AWS, Tally, etc, through Nuclei app/website.
Users can avail business insurance package starting at an annual premium of Rs.3,785.
Lounge Access
None.
Rewards & Benefits
Welcome Benefits
Users will get a gift voucher worth INR 250 on making one transaction on this credit card within the first 37 days of card issuance. This gift voucher is redeemable on top brands like Amazon, Swiggy & more.
Milestone Benefits
Milestone benefit:Users will earn 2000 cash points every quarter on quarterly spending of Rs 1,00,000. (all retail spending excluding rent and petrol) and users can redeem cash points against the statement. (1 cash point = INR 0.25).
Cashback Rate
Users will receive 2 cash points on spending INR 150.
Value of 1 cash point = INR 0.25
General cashback: 0.33%.
10x cashback on (a) bill payment for utilites via Smartpay app/website or Payzapp app/website, (b) income tax/advance tax payment, (c) GST tax payment, (d) hote and flights booked through MMTBiz app/website, (e) business tools like, Office 365, Google, Azure, Tally, AWS, etc. (f) Dmart, (g) Cleartax app/website.
Special Cashback Rate: 3.33% (Maximum 1,500 Cash Points per statement cycle.)
Movie Benefits
None.
Dining Benefits
Dining benefits:Users will get up to 20% savings on all restaurant bill payments with Swiggy Dineout on paying via the Swiggy App.
Other Benefits
Cardholder will get upto 40% off on (a) business travel when purchasing ticket through HDFC's Smart Buy / Business category and (b) business software purchase through HDFC's Smart Buy / Business category.
4% off on flights and hotels on using the card with MMT MyBiz app/website.
Discount on purchase of software subscriptions such google workspace, AWS, Tally, etc, through Nuclei app/website.
Users can avail business insurance package starting at an annual premium of Rs.3,785.
Lounge Access
None.
Fees & Charges
Joining Fee
INR 500/- plus taxes.
Annual Fee
INR 500/- plus taxes.
Cash Advance Fee
Cash advance fee:2.5% or INR 500 whichever is higher.
Interest rate
Interest rate: 3.75% monthly, 45.0% annually.
Late Payment Fee
Late payment charges:INR 100 to 1300.
Foreign Currency Transactions Fee
Foreign currency markup: 3.50%.
Other Fees
Fuel surcharge:1% subject to a minimum transaction of INR 400 and a maximum transaction of INR 5000. | Reward redemption fee: INR99 per redemption request.
Fees & Charges
Joining Fee
INR 500/- plus taxes.
Annual Fee
INR 500/- plus taxes.
Cash Advance Fee
2.5% or ?500 whichever is higher
Interest rate
Interest rate: 3.75% monthly, 45.0% annually.
Late Payment Fee
Late payment charges:INR 100 to 1300.
Foreign Currency Transactions Fee
Foreign currency markup: 3.50%.
Other Fees
Fuel surcharge:1% subject to a minimum transaction of INR 400 and a maximum transaction of INR 5000. | Reward redemption fee: INR99 per redemption request.
Special Features
10X cash points on selected business spend.
Fuel surcharge waiver.
Dining benefits.
Eligibility Criteria
The applicant must be a self-employed Indian citizen.
The applicant must be aged between 21 yrs. to 65 Years.
The applicant must have an ITR above Rs 6 Lakhs per annum.
Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
Online Application
Visit the HDFC Bank website: Go to https://www.hdfcbank.com/personal/pay/cards/business-credit-cards/biz-grow
Click on the "Apply Now" button.1. How to Apply for a Business Credit Card Online HDFC Bank www.hdfcbank.com
Fill in the required personal and business details.
Submit the application.
Through HDFC Bank Branch
Visit your nearest HDFC Bank branch.
Request an application form for the Biz Grow Credit Card.
Fill in the required details and submit the form along with the necessary documents.
Contact Details
Toll Free: 1800 202 6161\ 1860 267 6161
Email: customerservices.cards@hdfcbank.com
Account Opening and Procedure
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Application Procedure
Abhijeet Saxena
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai