HDFC Bank Biz Grow Credit Card: How One Card Can Simplify Your Business Spending
- Pratibha Sharma
- Aug 20, 2025
- 6 min read
Updated: Dec 20, 2025
We will give you the information about the HDFC Bank Biz Grow Credit Card in today's blog, principally, regarding its welcome benefits, cashback rate, etc. To find out more about it, read below:
The HDFC Bank Biz Grow Credit Card has been made to suit business owners, entrepreneurs, and self-employed professionals who have lots of work to do in terms of daily costs with long-term financial planning. Being in business requires continuous transactions on payments to travel, utility, and taxes, and software, and this card is designed to make the payments and transactions a lot easier and more rewarding. Unlike the typical personal credit card, Biz Grow pays attention to the categories that are of the greatest importance to businesses and has such benefits that actually bring more value than paying money.
Among the greatest benefits of this card is that it provides an additional breathing space due to up to 55 days of interest-free credit. This feature is useful in the management of cash flow, especially when there is no perfect timing of payments and receivables. Meanwhile, you can make rewards on every spend you can make, earn reward points on regular expenses and get faster rewards on necessities such as GST payments, utility bills, software subscriptions and bookings. There are also milestone benefits to the card once you have reached specific limits of spend, so that the more the user spends, the larger their rewards and savings.
The opportunity to waive the annual fee in case of adequate expenditure, optional business insurance, and a fuel surcharge waiver also makes it much more practical. The HDFC Bank Biz Grow credit card, in total, is a financial associate and will help you save, which will allow you to operate smoothly without any financial trouble and with a sense of security as long as you keep growing your business.
What Are The Welcome Benefits of the HDFC Bank Biz Grow Credit Card?
A gift voucher of INR 250 shall be earned by the users who transact one transaction on this credit card within the first 37 days of card issuance. This gift voucher can be used to redeem on the leading brands such as Amazon, Swiggy and others.
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: It implies that with an office, one has to pay electricity, internet, and phone bills on a monthly basis. These are habitual expenses, but with SmartPay or Payzapp, they become savings with 10X cashback.
2. Tax Payments (Income Tax & GST): Taxes are considered to be one of the largest and inevitable expenditures that a business can make. The card provides 10X cashback on payment of income tax/advance tax and GST. This is an exceptional attribute since the majority of credit cards do not provide rewards based on tax payments.
3. Business Travel (Flights & Hotels): This can be client visits, team travel or conferences and a large number of bookings are usually needed. Business travels are made affordable through the MMTBiz platform, where the card offers 10X cashback on flights and hotels.
4. Business Tools & Software:Contemporary companies rely on the use of digital applications such as Microsoft Office 365, Google Workspace, Tally, AWS, or Azure. The 10X cashback also allows business people to save a lot of money on these subscriptions, which are necessities as they save on the IT and software expenses.
5. Retail & Operations (Dmart):In businesses that buy daily supplies, groceries or bulk-buys, 10X cashback at Dmart is a direct reduction of the cost of procurements.
6. Tax & Compliance (Cleartax): Taxes, GST, and compliance are an expensive undertaking. The deductions made by Cleartax are 10X cashback, and even compliance is cheaper.
Movie Benefits
None.
Dining Benefits
Dining benefits: Users will get up to 20% savings on all restaurant bill payments with Swiggy Dineout when 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 when 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: Business travel is a common business practice and is done in order to meet clients, attend trade fairs, or even to move employees. By offering travel bookings with the HDFC SmartBuy Business 40% (or more) off, companies will potentially save one of their largest recurring expenses. Besides, 4% discount on flights and hotels through MMT MyBiz provides an additional discount on each booking.
2. Software Discounts: Contemporary companies operate with the help of such tools as Google Workspace, AWS, Azure, Tally, or Office 365. The card will have some special discounts on these fundamental subscriptions at the Nuclei app/website. This not only saves on monthly or annual software payments but also enables businesses to keep up with digital infrastructure at a reduced rate.
3. Business Insurance Protection: In any business, there are always risks that may be accidents, theft, or unusual costs. Using an insurance package, which has an initial fee of INR 3, 785 per year, cardholders have the opportunity of insuring their business against financial shocks. It is an affordable means through which small and medium enterprises can be able to rest easy..
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
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.
Apply.
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 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.
If you want to know the unbiased AI score of HDFC Bank Biz Grow Credit Card, read their detailed review, click here
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