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HDFC Bank Biz First Credit Card

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Rewards & Benefits

Welcome Benefits

As a welcome benefit users will get a gift voucher worth INR 250 on making one transaction within the first 37 days of card issuance. This gift voucher can be redeemed on top brands like Amazon, Swiggy & more.

Milestone Benefits

Milestone Benefit:Users will earn 2000 cash points every quarter on quarterly spending of Rs 75,000 & above ( All retail spending excluding rent and petrol).

Cashback Rate

  • 3% cash points on EMI Spends, maximum 1,000 cash points/calendar month. Effective cashback rate: 0.45%. 

  • 2% cash points on Utility bills, Electronics, SmartPay & Payzapp transactions, a maximum of 500 cash points/calendar month. Effective cashback rate: 0.3%.

  • 1% cash points on all other spends including UPI spends, maximum 500 cash points/calendar month. Effective cashback rate: 0.15%. 

  • Value of 1 cash point = Upto Rs. 0.20. A minimum of 2500 cash points is needed to redeem cash points against the statement balance. A maximum of 15,000 cash points can be earned in a statement cycle.

Movie Benefits

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Dining Benefits

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Other Benefits

Users can maximize business savings by (a) making GST payments. (b) Paying Income Tax/ Advance Tax. (c) Availing up to 40% savings on business travel and software purchases onsmartbuy.; UPI payment benefits.; Fuel surcharge waiver:1% fuel surcharge waiver at all fuel stations across India.; Users can availbusiness insurance packagestarting at an annual premium of Rs 3,785.

Lounge Access

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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

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: INR 99 per redemption request.

दोष

  •  A maximum of 15,000 cash points can be earned in a statement cycle.

  • A minimum of 2500 cash points is needed to redeem cash points. 

  • Unredeemed cash points will expire after 2 years of accumulation.

  • No airport lounge access.

  • Welcome benefit: A gift voucher worth Rs.250 on making one transaction within the first 37 days of card issuance. The gift voucher is redeemable on top brands like Amazon, Swiggy & more.

  • Reward system: 3% cash points on EMI spend, a maximum of 1,000 cash points/calendar month. Effective cashback rate: 0.45%. 2% cash points on Utility bills, Electronics, SmartPay & Payzapp transactions, a maximum of 500 cash points/calendar month. Effective cashback rate: 0.3%. 1% cash points on all other spends including UPI spends, maximum 500 cash points/calendar month. Effective cashback rate: 0.15%. Value of 1 cash point = Upto Rs. 0.20.

  • Milestone Benefit:  Users will earn 2000 cash points every quarter on quarterly spending of INR 75,000 & above ( All retail spending excluding rent and petrol).

  • Users can maximize business savings by (a) making GST payments. (b) Paying Income Tax/ Advance Tax. (c) Availing up to 40% savings on business travel and software purchases on smartbuy.  

  • UPI payment benefits.

  • Fuel surcharge waiver: 1% fuel surcharge waiver at all fuel stations across India.

  • Dining Benefits: Users will get up to 20% savings on all restaurant bill payments with Swiggy Dineout on paying via the Swiggy App.

  • Users can avail business insurance package starting at an annual premium of Rs.3,785.

पक्ष विपक्ष
Welcome Benefits

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पुरस्कार प्रणाली

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अंतर्राष्ट्रीय विदेशी मुद्रा मार्कअप

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स्वागत लाभ और पुरस्कार प्रणाली
विशेष लक्षण

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Eligibility Criteria

The applicant must be a self-employed Indian citizen.
The applicant must be aged between 21 yrs. to 65 Yrs.
Annual ITR above Rs 6 Lakhs.

विशेष विशेषता, पात्रता और लाभ
क्रेडिट कार्ड के लिए आवेदन कैसे करें?

Online Application:

  1. Visit the HDFC Bank website: Go to https://www.hdfcbank.com/personal/pay/cards/business-credit-cards/biz-first

  2. Click on the "Apply Now" button.

  3. Fill in the required personal and business details.

  4. Upload the necessary documents (ITR, GST returns, bank statements, etc.).

  5. Submit the application.

Through HDFC Bank Branch:

  1. Visit your nearest HDFC Bank branch.

  2. Request an application form for the Biz First Credit Card.

  3. Fill in the required details and submit it along with the necessary documents.

सम्पर्क करने का विवरण

Toll-Free: 1800 202 6161\ 1860 267 6161
Email: customerservices.cards@hdfcbank.com

खाता खोलने की प्रक्रिया और प्रक्रिया

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विशेष विशेषता, पात्रता और लाभ

Pros:-

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Cons:-

  • Welcome benefit: A gift voucher worth Rs.250 on making one transaction within the first 37 days of card issuance. The gift voucher is redeemable on top brands like Amazon, Swiggy & more.

  • Reward system: 3% cash points on EMI spend, a maximum of 1,000 cash points/calendar month. Effective cashback rate: 0.45%. 2% cash points on Utility bills, Electronics, SmartPay & Payzapp transactions, a maximum of 500 cash points/calendar month. Effective cashback rate: 0.3%. 1% cash points on all other spends including UPI spends, maximum 500 cash points/calendar month. Effective cashback rate: 0.15%. Value of 1 cash point = Upto Rs. 0.20.

  • Milestone Benefit:  Users will earn 2000 cash points every quarter on quarterly spending of INR 75,000 & above ( All retail spending excluding rent and petrol).

  • Users can maximize business savings by (a) making GST payments. (b) Paying Income Tax/ Advance Tax. (c) Availing up to 40% savings on business travel and software purchases on smartbuy.  

  • UPI payment benefits.

  • Fuel surcharge waiver: 1% fuel surcharge waiver at all fuel stations across India.

  • Dining Benefits: Users will get up to 20% savings on all restaurant bill payments with Swiggy Dineout on paying via the Swiggy App.

  • Users can avail business insurance package starting at an annual premium of Rs.3,785.

  •  A maximum of 15,000 cash points can be earned in a statement cycle.

  • A minimum of 2500 cash points is needed to redeem cash points. 

  • Unredeemed cash points will expire after 2 years of accumulation.

  • No airport lounge access.

The card offers a low cashback rate. The card offers a number of benefits like milestone benefits, dining benefits, business insurance. Overall the card is suitable for individuals looking for a basic credit card.

The card offers a low cashback rate. The card offers a number of benefits like milestone benefits, dining benefits, business insurance. Overall the card is suitable for individuals looking for a basic credit card.
Abhijeet Saxena

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

उत्पाद समीक्षा
फीस एवं प्रभार

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ईंधन अधिशुक्ल

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Billing Cycle

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