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HDFC BizGrow

HDFC BizGrow

HDFC Bank
|
Business Entry Level

Annual Fee

₹500

Rewards/₹100 ⓘ

₹0.33 - ₹1.83

Normalized to balance base rate with bonus categories

Interest Rate

43.20%

Credit Score

700+

Quick Details

Annual Fee
₹500 #113
Joining Fee
₹500 #112
Interest Rate
43.20% p.a. #237
Forex Markup
3.50% #75
Rewards/₹100
₹0.33 - ₹1.83 #96
Reward Type Reward Points
Reward Currency Points
Min Credit Score
700+ #54
Min Monthly Income ₹50
Network VISA
Late Payment Fee
Cash Advance Fee 2.50% (min ₹500)
Fee Waiver on Spend ₹1,00,000/yr

Reward Structure

Base

All Spends

₹0.33 /₹100
Partner

GST, Tax, DMart, Hotels, Software

₹3.33 /₹100

Reward Calculator

₹
Allocate by Category 100%
GST, Tax, DMart, Hotels, Software
13.3 pts
60% ₹0
Other Spends
1.3 pts
40% ₹0
Your Rewards
Points Earned 0
Cash Value ₹0
Breakdown
Quick amounts:

Milestone Benefits

Welcome Bonus

Rs 250 gift voucher (Amazon, Swiggy) on 1st transaction within 37 days

₹250

value

Milestone

2,000 CashPoints (Rs 500 value) on Rs 1L quarterly spend

Spend ₹1,00,000 within 90 days

₹500

value

Insurance Coverage

Lost Card

₹0

Zero liability.

Fraud

₹0

Zero liability.

Lifestyle Perks

Dining

1% fuel surcharge waiver on Rs 400-5000, capped at Rs 250/cycle

Category Rankings

See how this card performs in different spending categories compared to other cards.

Grocery #1 /4
13.3333 pts/₹100 Top 25%
Online #6 /19
13.3333 pts/₹100 Top 32%
Shopping #6 /15
13.3333 pts/₹100 Top 40%
Travel #8 /18
13.3333 pts/₹100 Top 45%
Utility Bills #1 /7
13.3333 pts/₹100 Top 15%

Quick Analysis

HDFC BizGrow is a budget-friendly entry-level business card offering 10X rewards on key business expenses. Perfect for small business owners and startups seeking low fees with good rewards.

Pros

  • 10X CashPoints on GST, DMart, bill payments, hotels, software
  • 2 CashPoints per Rs 150 on business spends
  • Up to 40% savings on business software (Google Workspace, Tally, AWS)
  • Rs 250 welcome voucher on first transaction
  • 2,000 CashPoints on Rs 1L quarterly spend
  • 1% fuel surcharge waiver (capped Rs 250/cycle)
  • 10% off at 35K+ restaurants
  • Low annual fee of Rs 500
  • Fee waiver at just Rs 1L spend
  • 55 days interest-free period
  • Rs 3L credit liability cover
  • Business insurance available from Rs 3,785/year

Cons

  • Low CashPoint value (Rs 0.25 per point)
  • CashPoints capped at 15,000/cycle
  • No airport lounge access
  • No rewards on rent and fuel
  • CashPoints expire after 2 years
  • For self-employed only
  • Min 2,500 points for redemption

Best For

Small business owners, startups, DMart shoppers, GST payers

Not Ideal For

Premium seekers, travelers, high-value redemption seekers

Frequently Asked Questions

What are the fees for HDFC BizGrow Credit Card?
The HDFC BizGrow Credit Card has a joining fee of Rs 500 and annual fee of Rs 500. The annual fee can be waived on spending Rs 100,000 in the previous year.
What is the eligibility criteria for HDFC BizGrow Credit Card?
To be eligible for the HDFC BizGrow Credit Card, you need a minimum monthly income of Rs 50,000-1 Lakh/month, age between 21-65 years, and a credit score of 700+. HDFC Bank customers with existing relationships may get preferential treatment.
What rewards does HDFC BizGrow Credit Card offer?
The HDFC BizGrow Credit Card earns reward points on all spending. Each reward point is valued at approximately Rs 0.25. Points can be redeemed for vouchers, merchandise, or travel bookings through the HDFC Bank rewards portal.
Does HDFC BizGrow Credit Card offer airport lounge access?
The HDFC BizGrow Credit Card may provide limited or no complimentary lounge access. Please check with HDFC Bank for the latest lounge access benefits.
How can I apply for HDFC BizGrow Credit Card?
You can apply for the HDFC BizGrow Credit Card through HDFC Bank official website, mobile app, or by visiting your nearest HDFC Bank branch. Existing customers can also apply through net banking.

User Reviews

Our Rating

3.5
APPLY NOW

on HDFC Bank's website

Rating Breakdown

Rewards
3.9/5 Top 34%
Benefits
3.3/5 Top 65%
Fees
3.7/5 Top 44%
Value for Money
3.4/5 Top 44%
User Reviews
3.0/5 Top 50%

Important Links

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