HDFC Bank BizPower Credit Card: A Smart Partner for Growing Businesses
- Pratibha Sharma
- Aug 19
- 7 min read
Updated: Aug 21
In today's blog, we will provide you the information about the HDFC Bank Biz Power Credit Card, mainly about its welcome benefits, cashback rate, and more. For more information, read below:
The HDFC Bank Biz Power Credit Card has been created with business owners, entrepreneurs, and self-employed professionals in mind. While most credit cards focus on lifestyle or personal benefits, this one takes a different route by addressing the financial needs of small and growing businesses. It helps users not only with access to credit but also with the ability to organize and manage their expenses more effectively.
One of the biggest advantages of this card is how it transforms routine business spending into meaningful rewards. Payments for fuel, utilities, vendor bills, and travel are things that every business has to manage to start giving back in the form of points. These reward points can then be redeemed for travel, vouchers, or even business-related expenses, making it more beneficial for users rather than just a perk-driven card.
Businesses often need to keep track of multiple payments and expenses, and the card acts as a single channel that combines all transactions. This card will give you the value every time you spend your money this simplifying the complex accounting. This card comes under the HDFC
This not only simplifies accounting but also ensures that every rupee spent has some value returned. Add to this the trust and wide acceptance of HDFC Bank, and you get a tool that is both reliable and rewarding.
What Are The Welcome Benefits Of the HDFC Bank Biz Power Credit Card?
Welcome benefit: Users will get an Amazon Prime Annual membership and Biz Prime 6-month subscription on making 1 online transaction within the first 30 days of card issuance.
What Are The Milestone Benefits Of HDFC Bank Biz Power Credit Card?
Milestone benefit: Users will get a Gift Voucher worth Rs. 2500 of MakeMyTrip/Reliance Digital on Quarterly spends of Rs 2.5 Lakhs. (On all retail spends excluding rent and petrol).
What Is The Cashback Rate Of HDFC Bank Biz Power Credit Card?
Users will receive 4 reward points for every INR 150 spent.
1 reward point = Up to Rs. 0.20.
General cashback rate: 0.53%.
5x 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) hote and flights booked through MMTBiz app/website, (e) business tools like, Office 365, Google, Azure, Tally, AWS, etc. (f) Google Ads, (g) Meta, (h) Reliance Digital
1. Utility Bill Payments (Electricity, Phone, Internet, etc. via SmartPay/Payzapp)
Every business runs on utilities—electricity, broadband, water, and telecom are recurring costs.
2. Income Tax & Advance Tax Payments
For businessmen, taxes are unavoidable; paying them through this card and earning 5X cashback ensures that even compulsory payments give back some value.
3. GST Tax Payments
If your business deals with GST, payments can be frequent. Using the card to pay GST while earning 5X cashback softens the blow and helps manage cash flow more efficiently.
4. Travel Bookings (Hotels & Flights via MMTBiz)
Business travel is common, whether for client meetings, trade fairs, or vendor visits. With 5X cashback on MMTBiz bookings, every trip is cheaper. For frequent flyers, these savings add up and give rewards later.
5. Business Tools (Office 365, Google, Azure, Tally, AWS, etc.)
Modern businesses rely on software, whether it’s Microsoft Office for documentation, Tally for accounting, AWS for hosting, or Google Workspace for communication. Since these are recurring subscriptions, getting 5X cashback reduces annual software costs, which can otherwise be quite heavy.
6. Google Ads
Many businesses grow through digital marketing, and ad spending is often high. With 5X cashback on Google Ads, your marketing budget stretches further; you spend the same amount, but you get value back in the form of cashback.
7. Meta (Facebook, Instagram Ads)
For businesses targeting younger audiences or running e-commerce, ads on Facebook and Instagram are essential. The 5X cashback makes social media advertising more affordable, directly supporting growth and visibility without burning too much money.
8. Reliance Digital
Businesses often buy electronics like laptops, printers, or even smartphones for employees. With 5X cashback at Reliance Digital, you save money on essential hardware purchases that keep your business running.
Special Cashback Rate: 2.65%.
The cardholder can earn a maximum of 5,000 reward points per statement cycle.
Movie Benefits
None.
Dining Benefits
Cardholders will get up to 20% off on bill payment through Swiggy Dineout at partner restaurants.
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. Credit liability cover of INR 9 Lakhs.
Travel Benefits: Business travel is important, whether it’s for client meetings, conferences, or team movement. With this card, you get up to 40% savings on travel bookings through the SmartBuy Business platform, along with 4% off on flights and hotels via MMT MyBiz.
Software Discounts: Modern businesses depend heavily on software like Google Workspace, AWS, or Tally. The card offers exclusive discounts on these through the Nuclei app. This not only reduces the monthly or annual subscription costs but also ensures access to essential digital tools at a lower price.
Insurance Protection: Running a business involves risks. With the option of a business insurance package starting at just INR 3,785 per year, entrepreneurs get coverage that protects them from unexpected financial shocks. Additionally, the card provides credit liability cover of INR 9 lakhs, offering peace of mind in case of accidental misuse or emergencies.
Operational Ease: By combining travel, software, and insurance benefits in one card, it streamlines expense management. A businessman can use this single card to both save money and track spending efficiently.
Why it’s beneficial for businessmen: It reduces operational costs, supports smoother travel, and offers financial protection, all of which are important for business growth. In short, it’s not just a credit card, but a financial tool that helps entrepreneurs run their businesses smarter and more securely.
Lounge Access
2 free domestic lounge access per quarter. On spending a minimum of INR 75,000 in the previous quarter, the cardholder will get 2 additional domestic lounge visits.
The cardholder will get a Priority Pass membership on completing a minimum of 4 retail transactions. 6 free international lounge visits.
Special Features
Low interest rate.
No reward redemption fee.
Low International Forex markup.
No fuel surcharge.
How To Apply For This Card?
1. Online Application:
Visit the HDFC Bank website: https://applyonline.hdfcbank.com/cards/credit-cards.html
Select the Biz Power Credit Card option.
Provide the required personal and financial information.
Upload necessary documents.
Submit the application.
2. Visit HDFC Bank Branch:
Visit your nearest HDFC Bank branch.
Request an application form for the Biz Power Credit Card.
Fill in the required details and submit them 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 2,500/- plus taxes
Annual fees: INR 2,500/- plus taxes
Cash advance fees: 2.5% or INR 500, whichever is higher.
Late payment fees: INR 5 to 1300
Interest Rate: 1.99% monthly, 23.88% annually.
Eligibility:
A self-employed Indian Citizen aged between 21 years. to 65 Yrs.
Annual ITR above Rs 12 Lakhs
(Customers can apply a credit card using ITR, GST returns, Bank Statements, and Merchant payment reports)
Conclusion:
The Biz Power Credit Card from HDFC Bank is built to fulfill the everyday needs of a businessman in a company. Running a company isn’t just about making sales; it’s also about managing costs smartly and keeping the business secure. This card helps in both areas. The big advantage is the savings; it cuts down travel costs through SmartBuy and MMT MyBiz, which is a huge plus for people who often travel for client meetings or team movement. On the technology side, discounts on tools like Google Workspace, AWS, or Tally make it easier for a business to keep up with digital operations without overspending.
This card offers protection for your business. These features make and attractive in this competitive market. With affordable business insurance options and a high credit liability cover, a businessman doesn’t have to constantly worry about risks or unforeseen events. This provides safety, allows you to focus on growth rather than being stuck in financial concerns.
Overall, it’s not just another credit card; it’s more like a financial partner that helps reduce costs, supports smooth operations, and gives peace of mind. For someone managing a growing business, this card is a handy tool that combines savings with security in a very balanced way.
The HDFC Bank Biz Power Credit Card can be called businessman-friendly because it brings together savings, convenience, and protection, all in one place. For a businessman who is constantly on the move, the card helps save significantly on travel through SmartBuy and MMT MyBiz, which means lower costs for flights and hotels. At the same time, it takes care of another essential need, business software. With discounts on tools like Google Workspace, AWS, and Tally, it reduces the ongoing digital expenses that are now unavoidable for any modern business. On top of that, the card provides access to affordable business insurance and a generous credit liability cover, giving a sense of financial security against unexpected risks. Instead of just being a payment method, this card acts like a reliable partner that supports day-to-day operations, trims costs, and safeguards the business, making it an ideal choice for entrepreneurs and business owners.
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