HDFC Bank BizPower Credit Card: A Smart Partner for Growing Businesses
- Pratibha Sharma
- Aug 19, 2025
- 7 min read
Updated: Dec 9, 2025
In the current blog, we are going to present you with the information about the HDFC Bank BizPower Credit Card, primarily its welcome benefits and cashback rate, among other things. More details are in the following:
The HDFC Bank Biz Power credit card is a card designed to suit business owners, entrepreneurs, as well as self-employed professionals. However, unlike the other credit cards, which emphasise lifestyle or personal benefits, this one uses a different path since it focuses on the financial needs of small and growing businesses. It not only assists users in accessing credit but also helps them to arrange and manage their expenses better.
The reason why this card converts daily business spending into valuable rewards is one of the greatest benefits. Fuel, utility, vendor bills, and travel payments are some of the things that every business must handle to begin returning in terms of points. Users can then trade in these reward points for travel, vouchers or even business-related expenses, and this is more advantageous to the users as opposed to being a card of perks.
Companies have to follow several payments and expenses, and the card becomes a platform that unites all operations. This card will offer you value whenever you spend your money in simplifying the complex accounting. This card falls under the HDFC.
This makes it easy to account and is also a way of making sure that no rupee is wasted. The trust and the blanket acceptance of HDFC Bank are added to this, and you get a good instrument that is dependable and fruitful.
What Are The Welcome Benefits Of the HDFC Bank BizPower Credit Card?
Welcome benefit: The users will receive an Amazon Prime Annual membership and the Biz Prime 6-month subscription by placing 1 online transaction within the first 30 days of the card issuance.
What Are the Biz Power Credit Card Milestone Benefits of HDFC Bank?
Milestone benefit: Once users reach a Quarterly target of 2.5 Lakhs with MakeMyTrip /Reliance Digital, they will receive a Gift Voucher of 2500 rupees. (On total spending in retail, but not rent and motor vehicle).
What Cashback Rate HDFC Bank Biz Power Credit Card?
Every INR 150 that the users spend will earn them 4 reward points.
1 reward point = Up to Rs. 0.20.
General cashback rate: 0.53%.
5x cashback on (a) payment of utilities using Smartpay app/website or Payzapp app/website (b) payment of income tax/advance tax, (c) payment of GST tax, (d) payment of hote and flights booked through MMTBiz app/website, (e) business tools, such as, Office 365, Google, Azure, Tally, AWS, etc. (f) payment of Google Ads, (g) payment of Meta, (h) payment of Reliance Digital.
Utility Bills (Electricity, Phone, Internet, etc., through SmartPay/Payzapp)
Any business operates under utilities, including electricity, broadband, water and telecom are a few recurring expenses.
2. Advance Tax Payments and Income Tax.
Taxes are inevitable for businessmen; with an option of paying them using this card and enjoying 5X cashbacks, even mandatory payments will be repaid to some degree.
3. GST Tax Payments
In case your business is one that is involved in GST, payments may be frequent. Paying 5X cashback on the card as you pay GST and manage cash flow much better.
4. Hotels and Flights via MMTBiz Travel Bookings
Travelling is usually for business, like meeting clients, attending trade fairs, and even visiting the vendors. Every travel is cheaper with 5X cashback on MMTBiz bookings. These savings accumulate and pay off in the future for those who are frequent fliers.
5. Business Tools (Office 365, Google, Azure, Tally, AWS, etc.)
Current companies depend on software, either documentation (such as Microsoft Office), accounting (such as Tally), hosting (such as AWS), or communication (such as Google Workspace). These are recurring subscriptions, and hence, 5X cashback saves on the annual payments on software since they would have been quite excessive.
6. Google Ads
Digital marketing can be used to expand many businesses, and the amount of ad spending can be high. Your marketing budget is longer with 5X cashback on Google Ads because you will spend the same sum, but cashback is compensated.
7. Meta (Facebook, Instagram Ads)
Facebook and Instagram ads are necessary for businesses focusing on younger audiences or operating as an e-commerce platform. The social media advertising will also be cheaper with the help of the 5X cashback, which will directly contribute to the growth and awareness without wasting excessive cash.
8. Reliance Digital
Under the guise of business, it is common to purchase electronics such as laptops, printers or even smartphones for the employee. At Reliance Digital, you can save on the needed purchases of hardware with 5X cashback to keep your business running.
Special Cashback Rate: 2.65%.
The customer is able to receive up to 5,000 points as a reward in a statement cycle.
Movie Benefits
None.
Dining Benefits
Swiggy Dineout, the cardholders will receive discounts of up to 20 percent to pay their bills in partner restaurants.
Other Benefits
The cardholder will receive up to 40% on (a) business travel by way of purchasing a ticket under the HDFC Smart Buy / Business category and (b) purchase of business software under the HDFC Smart Buy / Business category.
Flights and hotels 4% off with card through MMT MyBiz app/website.Discount on buying software services (Google Workspace, AWS, Tally, etc) through the Nuclei app/website.
One of the services that can be offered to users is a business insurance package with an initial premium of Rs 3,785 per annum. INR 9 Lakhs credit liability cover.
Travel Benefits: Business travelling is a significant aspect, be it to meet clients, attend conferences or even movements of teams. Through this card, one will enjoy up to 40 per cent markdown on travel arrangements using the SmartBuy Business website, and 4 per cent cutoff on air travel and lodging using MMT MyBiz.
Software Discounts: Contemporary companies are relying on software such as Google Workspace, AWS, or Tally. These come with unique discounts on the Nuclei app, which is only available on the card. This helps not only to decrease the monthly or annual subscription rates, but also makes the necessary digital tools more affordable.
Insurance Protection: Some risks are associated with running a business. As they have the chance to have their business insured at only INR 3,785 a year, the business owners can be insured against sudden financial upheavals. There is also credit liability cover of INR 9 lakhs on the card, which will give peace of mind in the event of unintentional misuse or emergencies.
Ease of operation: It consolidates the travel, software, and insurance benefits in a single card, which simplifies the process of managing the expenses. With this one card, a business man is able to save money and at the same time keep up with expenditure.
The reason why it is worthwhile for businessmen: It helps to lower the operation cost, helps in making a smoother travel, and provides financial protection; all of which are essential in helping businessmen grow. Simply put, it is not merely a credit card but a financial instrument that assists entrepreneurs in managing their businesses in a smarter and safer way.
Lounge Access
1 free domestic lounge per quarter. When the cardholder spends a minimum of INR 75,000 during the last quarter, he will receive 2 more domestic lounge visits.
On achieving a minimum of 4 retail transactions, the cardholder will acquire a Priority Pass membership as well as 6 free international lounge visits.
Special Features
Low interest rate.
No reward redemption fee.
Reduced the 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
Choose the Biz Power Credit Card alternative.
Present the necessary personal and financial data.
Upload necessary documents.
Submit the application.
2. Visit HDFC Bank Branch:
Go to your closest branch of HDFC Bank.
Ask to be given an application form for the Biz Power credit card.
Complete the forms and provide them together with the 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 Rs. 500, whichever is greater.
Late payment fees: INR 5 to 1300
Interest rate: 1.99% every month, 23.88% every year.
Eligibility:
Indian Citizen, self-employed and aged between 21 years. to 65 Yrs.
Annual ITR above Rs 12 Lakhs
(Customers will be able to use any credit card with the help of ITR, GST returns, Bank Statements, and Merchant payment reports)
Conclusion:
The HDFC bank has created the Biz Power Credit Card, a credit card that is designed to satisfy the day-to-day requirements of a businessman in a company. Managing a company is not only about sales but being smart in its costs and ensuring the safety of the business. This card helps in both areas. The major saving is the savings; the SmartBuy and MMT MyBiz reduce the travelling expenses; this is a great saving for those who find themselves travelling frequently to meet clients or transfer their staff. Technologically, it is not hard to subscribe to the services of such tools as Google Workspace, AWS, or Tally with a minor discount without spending much money.
This card provides insurance for your business. These characteristics render it competitive in this marketplace. Having relatively inexpensive business insurance cover and high credit liability cover, a businessman does not need to be overly concerned with the risks and unexpected events. This is safe and gives you time to concentrate on growth as opposed to being caught up in financial issues
In general, it is not merely a credit card, but it is rather a kind of financial partner that helps to decrease costs, facilitates the work of the company and promises peace of mind. This card is an excellent blend of savings and security in a very balanced manner that will be useful to a person dealing with a growing business.
It is possible to refer to HDFC Bank Biz Power Credit Card as businessman-friendly since it is a combination of savings, convenience, and protection all combined in one. To a businessman who has to travel regularly, the card can be of great savings in terms of travel, using SmartBuy and MMT MyBiz, which translates into less expensive flights and accommodation. Meanwhile, it also addresses another necessary requirement, business software. It also minimises the current digital costs, which are no longer optional to any business in the present day, by offering discounts on such tools as Google Workspace, AWS and Tally. To this end, the card offers affordable business insurance cover and high credit limit cover, which is a good feeling of being secure financially in case of any unforeseen events. This card is an ideal option among business owners and entrepreneurs, as opposed to the common perception that it works as a payment option, because it serves as a trusted companion, a way to reduce costs, as well as secure the business.
If you want to know the unbiased AI score of HDFC Bank Biz Power Credit Card, read their detailed review, click here
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