The HDFC Bank Biz Power Credit Card is a business credit card offered to self-employed Indian citizens with annual ITR above Rs.12 lakh. It is part of HDFC Bank's new range of business credit cards alongside BizFirst, BizGrow, and BizBlack.

• Up to 55 days of interest-free credit period on business expenses
• 4 Reward Points on every Rs.150 spent (excluding fuel, wallet, rent, education, EMI)
• 5X Reward Points on select business spends (capped at 5,000 RP per statement cycle)
• Complimentary domestic and international airport lounge access
• Optional Business Insurance package starting at Rs.3,785 per year
• Welcome benefit of Amazon Prime + BizPrime membership

Earn 4 Reward Points for every Rs.150 spent on business needs. Earn accelerated 5X Reward Points (20 RP per Rs.150) on select business spends including bill payments via SmartPay and PayZapp, income tax and GST payments, Google Ads, Meta Ads, Reliance Digital, MMT MyBiz bookings, and business software via Nuclei. Minimum spend of Rs.25,000 per statement cycle required for 5X rewards, capped at 5,000 RP per cycle.

Welcome Benefit

First-time cardholders receive Amazon Prime Annual Membership + BizPrime 6-month Membership on completing 1 online transaction within 30 days of card issuance.

Quarterly Milestone

Rs.2,500 MakeMyTrip or Reliance Digital gift voucher on quarterly retail spends of Rs.2.5 lakh (excluding rent and petrol).

SmartBuy BizDeals

Up to 10X Reward Points on SmartBuy (Flipkart, MakeMyTrip, Apple). Up to 3% off on flights and 4% off on hotels via MMT MyBiz. Up to 40% off on business software like Tally, Office 365, AWS, Google Workspace via Nuclei.

Dining Benefits

Up to 7.5% savings on dining bills at 35,000+ restaurants via Swiggy Dineout.

SmartPay Benefits

Up to Rs.1,800 assured cashback in the first year and e-vouchers worth Rs.800 for adding 2 or more bills on SmartPay.

• Amazon Prime Annual Membership + BizPrime 6-month Membership on completing 1 online transaction within 30 days of card issuance
• Available only to first-time cardholders (not for conversions, migrations, or upgrades, effective 25th October 2025)
• Benefit communicated via SMS and email within 30 days of meeting conditions
• Must be redeemed within 30 days of receiving communication

Quarterly Milestone Benefit

• Rs.2,500 MakeMyTrip or Reliance Digital gift voucher on quarterly retail spends of Rs.2.5 lakh
• Excludes rent and petrol spends
• Calendar quarters: Jan-Mar, Apr-Jun, Jul-Sep, Oct-Dec
• Only a single voucher of Rs.2,500 per quarter (choose between MMT or Reliance Digital)
• Must be redeemed within 90 days of receiving communication

Annual Fee Waiver

• Renewal fee of Rs.2,500 waived on annual spends of Rs.4 lakh in 12 billing cycles

SmartPay Benefits

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

• 2 complimentary lounge visits per quarter (base entitlement)
• Additional 2 complimentary visits per quarter on spending Rs.75,000 in the previous quarter
• Total potential: up to 16 domestic lounge visits per year
• Visits exceeding the complimentary quota may be allowed at lounge discretion and will be charged

International Airport Lounge Access

• 6 complimentary international lounge visits per year via Priority Pass
• Available for primary and add-on cardholders
• Must complete minimum 4 retail transactions to apply for Priority Pass

The HDFC Biz Power Credit Card uses a points-based reward system where 1 Reward Point is worth up to Rs.0.65 (best value on Business Catalogue redemption).

Base Earning Rate

• 4 Reward Points on every Rs.150 spent on all business needs
• Excluded categories: petrol, wallet, rent, education, EMI

5X Accelerated Earning

• 20 Reward Points per Rs.150 on select business spends
• Minimum Rs.25,000 spend per statement cycle required
• Capped at 5,000 Reward Points per statement cycle
• Eligible categories: Bill payments (SmartPay/PayZapp), Income Tax, GST, Google Ads, Meta Ads, Reliance Digital, MMT MyBiz, Business Software (Nuclei)

Category Caps

• Grocery: 2,000 RP per month
• Utility (MCC 4900): 2,000 RP per month
• Telecom & Cable (MCC 4812/4814/4899): 2,000 RP per month
• Insurance: 2,000 RP per month
• Maximum 60,000 RP can be earned per statement year

Redemption Options

Minimum 2,500 RP needed for redemption. Points expire after 2 years from accumulation. Maximum 5 redemptions per calendar month.

• Self-employed Indian citizen
• Age between 21 years and 65 years
• Annual ITR above Rs.12 lakh
• Minimum CIBIL score of 750 recommended

Accepted Documents for Verification

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

Applications can be submitted online through the HDFC Bank website or at HDFC Bank branches. In certain cases, uploading documents and completing video KYC may be required.

• Income Tax Return (ITR) - Annual ITR above Rs.12 lakh required
• GST Returns
• Bank Statements
• Merchant Payment Reports

Identity Proof

• PAN Card (required for online application)
• Aadhaar Card

Address Proof

• Latest utility bill
• Passport
• Aadhaar Card

Business Proof

• GST Registration Certificate
• Business registration documents

Video KYC may be required in certain cases for identity verification.

1. Visit the HDFC Bank website and navigate to Business Credit Cards
2. Provide and validate your Phone Number and Date of Birth/PAN
3. Confirm your details
4. Select Biz Power Credit Card
5. Submit and receive your card

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

Branch Application

Walk in to any HDFC Bank branch with required documents to apply.

Required Documents

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

The HDFC Biz Power Credit Card is a compelling choice for self-employed professionals and small-to-medium business owners who want to maximize rewards on their business expenses. The 5X accelerated reward points on essential business spends like GST payments, income tax, digital advertising, and software purchases make it particularly valuable for businesses with significant operational costs in these categories.

With up to 16 domestic and 6 international airport lounge visits, quarterly milestone vouchers worth Rs.2,500, and access to SmartBuy BizDeals offering up to 40% off on business software, the card delivers substantial value beyond just rewards. The joining fee of Rs.2,500 is easily justified and can be waived with Rs.4 lakh annual spend.

However, the card does have limitations: fuel, rent, wallet, education, and EMI spends are excluded from rewards, and there are 1% surcharges on large fuel, utility, and rent transactions. For businesses with very high spends, the HDFC BizBlack might be a better fit, while the BizGrow card may suit those who prefer straightforward cashback.