The HDFC Bank Biz Grow Credit Card is an entry-level business credit card that rewards users for their regular business spending. It offers 10X CashPoints on select business categories including GST payments, income tax payments, bill payments, DMart purchases, ClearTax, and bookings via MMT MyBiz.

• Card Network: Visa
• Annual Fee: Rs. 500 + taxes (waivable on Rs. 1 lakh annual spend)
• Reward Rate: 2 CashPoints per Rs. 150 spent (base), 10X on select categories
• Point Value: 1 CashPoint = up to Rs. 0.25 (Rs. 0.30 on Business Catalogue)
• Interest-Free Period: Up to 55 days

Earn 10X CashPoints (20 CashPoints per Rs. 150 spent) on essential business categories including:

• Bill payments via SmartPay and PayZapp
• Income Tax and Advance Tax payments via eportal.incometax.gov.in
• GST payments via payment.gst.gov.in
• Hotel and flight bookings on MMT MyBiz via SmartBuy BizDeals
• Business software (Tally, Office 365, AWS, Google, Azure) via Nuclei
• DMart purchases
• ClearTax

Note: Minimum spend of Rs. 10,000 per statement cycle required. Maximum 1,500 accelerated CashPoints per cycle.

SmartBuy BizDeals

Save up to 40% on business software and travel through SmartBuy BizDeals platform. Get up to 3% off on domestic and international flights and up to 4% off on hotels via MMT MyBiz.

Fuel Surcharge Waiver

1% fuel surcharge waiver at all fuel stations across India on transactions between Rs. 400 and Rs. 5,000, with maximum cashback of Rs. 250 per statement cycle.

Dining Benefits

Enjoy flat 10% extra off on dining bills at 35,000+ restaurants. Save up to 20% on dining via Swiggy Dineout when paying through the Swiggy App.

Zero Lost Card Liability

Zero liability on fraudulent transactions when the loss is reported immediately. Credit liability cover of Rs. 3 lakh.

EMI Conversion

Convert large purchases into Smart EMI (after purchase) or Easy EMI (during purchase) for flexible repayment at competitive interest rates.

• Gift voucher worth Rs. 250 on making one transaction within the first 37 days of card issuance
• Voucher redeemable on top brands like Amazon, Swiggy, and more

Milestone Benefits

• Quarterly Milestone: Earn 2,000 CashPoints (worth Rs. 500) every quarter on retail spends of Rs. 1 lakh (excluding rent and petrol)
• Fee Waiver: Spend Rs. 1 lakh in an anniversary year to get the renewal fee waived

SmartPay Cashback

• Assured cashback up to Rs. 1,800 in the first year
• E-vouchers worth up to Rs. 800 for adding 2 or more bills on SmartPay

The HDFC Biz Grow Credit Card does not offer complimentary airport lounge access. For business cards with lounge access, consider upgrading to the HDFC Biz Power or Biz Black Credit Card.

Base Rate: 2 CashPoints per Rs. 150 spent on all eligible transactions

10X Accelerated Rate: 20 CashPoints per Rs. 150 on select business categories (requires Rs. 10,000 minimum spend per cycle, capped at 1,500 accelerated CashPoints per cycle)

10X Categories

• Bill payments via SmartPay & PayZapp
• Income Tax/Advance Tax payments
• GST payments via GST portal
• Hotel & flight bookings on MMT MyBiz
• Business tools via Nuclei (Tally, Office 365, AWS, Google, Azure)
• DMart purchases
• ClearTax

Redemption Options

Minimum 2,500 CashPoints required for statement redemption. CashPoints expire after 2 years. Maximum 5 redemptions per calendar month (effective Feb 2026).

• Self-employed Indian citizens
• Age: 21 to 65 years
• Annual Income Tax Return (ITR) above Rs. 6 lakh

Documents Accepted

• Income Tax Return (ITR)
• GST Returns
• Bank Statements
• Merchant Payment Report

In certain cases, uploading documents and completing video KYC may be required.

Any of the following documents can be submitted:

• Income Proof: Income Tax Return (ITR)
• Business Proof: GST Returns
• Financial Proof: Bank Statements
• Transaction Proof: Merchant Payment Report

Identity & Address Proof

• PAN Card (mandatory)
• Aadhaar Card
• Valid passport or driving license

Video KYC may be required for digital applications.

1. Visit the HDFC Bank website or use the MyCards platform
2. Provide and validate your Phone Number and Date of Birth/PAN
3. Confirm your details
4. Select the Biz Grow Card
5. Submit and receive your card

Offline Application

Visit any HDFC Bank branch with the required documents to apply in person.

Note: In certain cases, uploading documents and completing video KYC might be required. The first-year fee is charged after 120 days of card issuance.

The HDFC Biz Grow Credit Card is a solid entry-level business credit card that delivers strong value for small business owners and self-employed professionals. Its standout feature is the 10X CashPoints on essential business spending categories like tax payments, GST, business software, and DMart, making it uniquely positioned among low-fee business cards.

While the card lacks airport lounge access and has a relatively low accelerated reward cap of 1,500 CashPoints per cycle, its affordable Rs. 500 annual fee (easily waivable) and diverse earning opportunities make it an excellent starter business card. For businesses that regularly spend on tax compliance, software subscriptions, and supplier payments, the Biz Grow card offers genuine savings and should be a strong contender in your wallet.