HDFC BizPower
Annual Fee
₹2,500
Rewards/₹100 ⓘ
₹1.73 - ₹5.20
Interest Rate
42.00%
Credit Score
750+
Quick Details
Reward Structure
All Spends
Business Spends (GST, Tax, Bills, AWS, etc.)
SmartBuy (Flipkart, MakeMyTrip, Apple)
Reward Calculator
Milestone Benefits
Free Amazon Prime (1 year) + Biz Prime (6 months) on first transaction within 30 days
value
Rs 2,000 vouchers (MakeMyTrip + Reliance Digital) on Rs 2.5L quarterly spend
Spend ₹2,50,000 within 90 days
value
Airport Lounge Access
visits per quarter
2 additional domestic lounge visits per quarter on Rs 75K spend.
visits per year
6 Priority Pass international lounge visits per year.
Insurance Coverage
Lost Card
₹0
Zero liability.
Fraud
₹0
Zero liability.
Air Accident
₹50,00,000
Air accident cover.
Lifestyle Perks
Dining
10.00% off
10% off at 35,000+ restaurants
Category Rankings
See how this card performs in different spending categories compared to other cards.
Quick Analysis
HDFC BizPower is an excellent mid-tier business card offering strong rewards on business expenses like GST, taxes, and software. Great for SMEs seeking value on day-to-day business spends.
Pros
- 5X rewards on business spends over Rs 25K/cycle
- 4 RP per Rs 150 base reward rate
- 5X on GST, tax, bill payments, Google Ads, AWS, Office 365, Tally
- Free Amazon Prime (1 year) + Biz Prime (6 months) welcome benefit
- 6 Priority Pass international lounge visits/year
- +2 domestic lounge visits on Rs 75K quarterly spend
- 4% savings on MMT MyBiz bookings
- 10% off at 35K+ restaurants
- 10X rewards on SmartBuy (Flipkart, MakeMyTrip, Apple)
- Rs 2K vouchers on Rs 2.5L quarterly spend
- 55 days interest-free period
- Rs 9L credit liability cover
Cons
- Lower point value (Rs 0.65 per point)
- Higher forex markup of 3.5%
- Accelerated rewards capped at 5,000/cycle
- Max 60,000 RP per year
- No rewards on fuel, wallet, rent, education, EMI
- 1% charge on utility spends over Rs 75K
- For self-employed only
Best For
SME owners, self-employed professionals, GST/tax payers
Not Ideal For
Salaried individuals, premium seekers, fuel spenders
Frequently Asked Questions
What are the fees for HDFC BizPower Credit Card?
What is the eligibility criteria for HDFC BizPower Credit Card?
What rewards does HDFC BizPower Credit Card offer?
Does HDFC BizPower Credit Card offer airport lounge access?
How can I apply for HDFC BizPower Credit Card?
User Reviews
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