The HDFC Biz First Credit Card is a business credit card issued by HDFC Bank on the RuPay network. It is specifically designed for self-employed individuals and small business owners who need a credit card to manage business expenses while earning rewards.

• Entry-level business card with Rs.500 joining and annual fee
• CashPoints reward system with 1-3% earning rates across categories
• Up to 55 days of interest-free credit for business expenses
• UPI payment support via RuPay for seamless digital payments
• Business insurance packages available at affordable premiums

Earn CashPoints on all your business spends:

• 3% CashPoints on EMI spends (Merchant/EasyEMI, Aggregator EMI, Brand EMI) - max 1,000 CashPoints/month
• 2% CashPoints on utility bills, electronics, SmartPay and PayZapp - max 500 CashPoints/month
• 1% CashPoints on all other spends including UPI - max 500 CashPoints/month

Business Benefits

• Up to 55 days of interest-free credit on business expenses
• GST Invoice for availing Input Tax Credit through your card
• Business insurance package starting at Rs.3,785 annual premium

Dining and Shopping Savings

• Up to 20% savings on dining via Swiggy Dineout on Swiggy App at 20,000+ restaurants
• Up to 5% CashBack on travel and online shopping on SmartBuy Portal
• 40% savings on business travel and software purchases on SmartBuy

Software Discounts

Get instant discounts on purchase of business software including Google Workspace, Tally Prime, AWS, Microsoft Azure and more.

• Rs.250 Amazon or Swiggy gift voucher on making your first transaction within 37 days of card issuance

Quarterly Milestone

• Earn 2,000 bonus CashPoints on quarterly retail spends of Rs.75,000 or more
• All retail spending is eligible except fuel and rent payments
• 2,000 CashPoints worth Rs.300 at standard redemption rate

SmartPay Benefits

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

Renewal Fee Waiver

• Spend Rs.50,000 in an anniversary year (12 billing cycles) to get renewal fee waived

The HDFC Biz First Credit Card does not offer any complimentary domestic or international airport lounge access. If lounge access is important for your business travel, consider upgrading to a premium HDFC business card such as the Biz Grow or Biz Power.

The HDFC Biz First Credit Card uses a CashPoints reward system:

• 3% CashPoints on EMI spends - max 1,000 CashPoints/month
• 2% CashPoints on utility bills, electronics, SmartPay, PayZapp - max 500 CashPoints/month each
• 1% CashPoints on all other spends including UPI - max 500 CashPoints/month

Maximum 15,000 CashPoints can be earned per statement cycle. CashPoints are valid for 2 years from the date of accumulation.

Redemption Options

Minimum 2,500 CashPoints required for redemption. Redemption fee of Rs.99 + GST applies on catalogue redemptions. Maximum 5 redemptions per calendar month.

Excluded Categories

No CashPoints are earned on: Fuel, Rent Payments, Education Transactions, Wallet/Gift/Prepaid Card loads, or Voucher Purchases.

Note: The first year joining fee is charged after 120 days of card issuance.

• Indian citizen
• Self-employed individual or business owner
• Age: 21 to 65 years
• Annual ITR above Rs.6 lakh
• CIBIL score of 750 or above (recommended)

Required Documents

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

• PAN Card (mandatory)
• Aadhaar Card
• Passport
• Voter ID

Income Proof (any one)

• Income Tax Return (ITR)
• GST Returns
• Bank Statements (last 6 months)
• Merchant Payment Report

Business Proof

• GST Registration Certificate
• Business License/Registration
• Shop and Establishment Certificate

1. Visit the HDFC Bank website or MyCards portal
2. Provide and validate your phone number and Date of Birth/PAN
3. Confirm your personal and business details
4. Select the Biz First Credit Card
5. Submit the application and receive your card

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

Branch Application

You can also apply by visiting the nearest HDFC Bank branch with your identity proof, address proof, and income documents (ITR/GST returns/bank statements).

The HDFC Biz First Credit Card is a well-designed entry-level business card that delivers practical value for self-employed professionals and small business owners. Its standout features include the attractive 3% CashPoints on EMI spends, UPI support via RuPay, and a very achievable fee waiver requiring just Rs.50,000 in annual spending.

While it lacks premium perks like lounge access and complimentary insurance, the low annual fee, quarterly milestone bonuses, and dining savings through Swiggy Dineout make it a sensible choice for managing everyday business expenses. The optional business insurance package is a unique addition for small business owners seeking affordable coverage. If you are looking for a no-frills business credit card with decent rewards on routine expenses, the Biz First is worth considering.