HDFC Bank Biz Grow Credit Card: How One Card Can Simplify Your Business Spending

In today's blog, we will provide you the information about the HDFC Bank Biz Grow Credit Card, mainly about its welcome benefits, cashback rate, and more. For more information, read below:

The HDFC Bank Biz Grow Credit Card has been thoughtfully designed for business owners, entrepreneurs, and self-employed professionals, who have plenty of work to do in terms of day-to-day expenses with long-term financial planning. Running a business means constantly dealing with payments for travel, utilities, taxes, and software, and this card is built to make those expenses lighter and more rewarding. Unlike a regular personal credit card, Biz Grow focuses on categories that matter most to businesses and offers benefits that actually add value beyond just making payments.

One of the biggest advantages of this card is the extra breathing space it gives through up to 55 days of interest-free credit. This feature is especially useful for managing cash flow when payments and receivables don’t align perfectly. At the same time, for every spend you can make rewards, with reward points on routine expenses and accelerated rewards on essentials like GST payments, utility bills, software subscriptions, and travel bookings. The card also offers milestone benefits when you hit certain spend thresholds, ensuring that the higher the user's spend, the bigger their rewards and savings.

Additional perks like a fuel surcharge waiver, optional business insurance, and the chance to get the annual fee waived with sufficient spending make it even more practical. Altogether, the HDFC Bank Biz Grow Credit Card acts as a financial partner, helping businesses save money, manage expenses smoothly, and enjoy a sense of security while you continue to grow your business.

What Are The Welcome Benefits of the HDFC Bank Biz Grow Credit Card?

• 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.

What Are The Milestone Benefits of the HDFC Bank Biz Grow Credit Card?

• 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) Users can redeem cash points against the statement. (1 cash point = INR 0.25).

What Is The Cashback Rate of the HDFC Bank Biz Grow Credit Card?

• 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 utilities via Smartpay app/website or Payzapp app/website, (b) income tax/advance tax payment, (c) GST tax payment, (d) hotel 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.)

1. Utility Bill Payments: Running an office means paying electricity, internet, and phone bills every month. By using SmartPay or Payzapp, these routine costs turn into savings with 10X cashback.

2. Tax Payments (Income Tax & GST): Taxes are one of the biggest unavoidable expenses for any business. The card offers 10X cashback on both income tax/advance tax and GST payments. This is a rare feature, as most credit cards don’t give rewards on tax payments.

3. Business Travel (Flights & Hotels): Client visits, team travel, or conferences often require frequent bookings. Through the MMTBiz platform, the card gives 10X cashback on both flights and hotels, making business travel more cost-efficient.

4. Business Tools & Software: Modern businesses depend on digital tools like Microsoft Office 365, Google Workspace, Tally, AWS, or Azure. With 10X cashback, entrepreneurs save significantly on these essential subscriptions, reducing IT and software costs.

5. Retail & Operations (Dmart): For businesses that procure everyday supplies, groceries, or bulk purchases, spending at Dmart with 10X cashback directly reduces procurement costs.

6. Tax & Compliance (Cleartax): Filing taxes, GST returns, or handling compliance costs money. With Cleartax, spending earns 10X cashback, and even compliance becomes more affordable.

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 up to 40% off on (a) business travel when purchasing a 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 the MMT MyBiz app/website.Discount on purchase of software subscriptions such as Google Workspace, AWS, Tally, etc, through the Nuclei app/website. Users can avail a business insurance package starting at an annual premium of Rs. 3,785.

1. Business Travel Savings: Travel is a regular part of business life, whether it’s for client meetings, trade fairs, or employee movement. With up to 40% off on travel bookings through HDFC SmartBuy Business, companies can drastically cut down one of their highest recurring costs. Additionally, 4% off on flights and hotels via MMT MyBiz ensures extra savings on every booking.

2. Software Discounts: Modern businesses run on tools like Google Workspace, AWS, Azure, Tally, or Office 365. The card offers exclusive discounts on these essential subscriptions via the Nuclei app/website. This not only reduces monthly or yearly software bills but also helps businesses stay updated with digital infrastructure at a lower cost.

3. Business Insurance Protection: Every business carries risks accidents, theft, or unexpected expenses. With an insurance package starting at just INR 3,785 annually, cardholders can safeguard their business from financial shocks. This is a cost-effective way for small and medium enterprises to get peace of mind.

4. Operational Efficiency: Instead of managing multiple payment channels, this card brings travel, software, and insurance benefits under one roof.

Lounge Access

None.

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 years to 65 Years. The applicant must have an ITR above Rs 6 Lakhs per annum.

How to apply for a Credit Card?

Online Application

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

2. Click on the "Apply Now" button 1. How to Apply for a Business Credit Card Online HDFC Bank www.hdfcbank.com

3. Fill in the required personal and business details.

4. Submit the application.

Through HDFC Bank Branch

1. Visit your nearest HDFC Bank branch.

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

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

   
   

Contact Details

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

Fees And Charges:

• Joining fees: INR 500/- plus taxes.

• Annual fees: INR 500/- plus taxes.

• Cash advance fees: 2.5% or INR 500, whichever is higher.

• Late payment charges: INR 100 to 1300.

• Interest rate: 3.75% monthly, 45.0% annually.

  
  

What Are The Pros And Cons Of HDFC Bank Biz Grow Credit Card?

Pros:

• Affordable card with low joining and renewal fee, which can be waived on good annual spends.

• Rewards structure works well for regular business expenses, with higher points on travel, utility bills, dining, and software subscriptions.

• Extra savings through milestone rewards, fuel surcharge waiver, and SmartPay bill payment offers.

• Discounts on platforms like MMT MyBiz, Google Workspace, AWS, and Swiggy Dineout add real business and lifestyle value.

• Option to convert large purchases into EMIs for better cash flow management.

  
  

Cons:

• Doesn’t come with lounge access or premium travel privileges, which many business owners may expect.

• Accelerated rewards are capped monthly, and points also expire after two years.

• A small redemption fee (₹99) applies each time you use your points.

• Forex markup of 3.5% makes it less attractive for overseas spending.

  
  

Conclusion:

The HDFC Bank BizGrow Credit Card is designed to fulfill the everyday needs of entrepreneurs, self-employed professionals, and small business owners who want more value in every spending they make for their business to grow.  From travel bookings to software purchases, the card ensures that you’re not only paying bills but also gaining rewards or savings each time. Discounts on flights, hotels, and business software like Google Workspace or AWS reduce overhead costs, while insurance options give you the security if something happens unexpectedly.

This card directly covers both professional and lifestyle spends. For instance, fuel surcharge waivers, cashback on certain categories, and access to business platforms through HDFC’s SmartBuy give it everyday relevance. At the same time, the reward structure is designed in a way that your routine business transactions keep adding up and give you rewards every time you spend.

In simple terms, this card is about helping businesses grow while making daily expenses less of a burden. It’s useful for those entrepreneurs who want to streamline spending, enjoy steady savings, and still maintain financial flexibility. For business owners who are looking for a partner in managing both costs and convenience, the HDFC BizGrow Credit Card can be their best option.

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