HDFC Biz Black vs BizPower Credit Card – Compare Features & Benefits

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	HDFC Bank Biz Black	HDFC Bank BizPower
Best Suited for	✈️ Travel 🛋️ Lounge Access 🎁 Rewards	✈️ Travel 🎁 Rewards
Fee Details	Joining Fee ₹ 10,000 Annual/Renewal Fee ₹ 10,000 Waived off on spending Rs. 1.5 Lakh in the first 90 days of card issuance	Joining Fee ₹ 2,500 Annual/Renewal Fee ₹ 2,500 NA
Welcome Benefit	Complimentary ALL Accor+ Explorer membership on spending Rs. 1.5 lakh within the first 90 days	Amazon Prime Membership or Amazon voucher worth Rs. 1,500 on 1 Tax (IT, GST) or Travel or Ads (Meta Ads, Google Ads) transactions within one month of card activation
Reward/Cashback Rate	5X Reward Points per Rs. 150 spent on select business spends 5 Reward Points per Rs. 150 spent Up to 10X Reward Points on select brands, like MakeMyTrip, Flipkart, Apple Imagine Tresor, on SmartBuy, applicable on minimum monthly spends of Rs. 50,000 1 Reward Point = Rs. 0.30 as cashback 1 Reward Point = Rs. 1 for travel bookings via SmartBuy	4 reward points on every Rs. 150 spent 5X rewards on select business expenses like travel bookings via MMT MyBiz, Bill Payment via Payzapp/SmartPay, spends on Reliance Digital, spends on purchase of business software and spends made on Google Ads 5X Reward Points on purchasing instant vouchers of Swiggy, Shopper’s Stop, Archies and more via SmartBuy
Lounge Access	Unlimited domestic and international lounge access	2 complimentary domestic airport lounge visits per quarter on a min spend of Rs. 75,000 in the previous quarter
Pros	Up to 5X Reward Points on card spends, including business expenses Extensive travel benefits like unlimited lounge access, accelerated rewards, discount offers and vouchers Lifestyle benefits like dining discounts, golf access and rewards and discounts on popular brands/platforms Rewards redemption ratio of up to 1:1 for travel-related redemption options	Accelerated rewards on business-related expenses including travel spends Multiple redemption options Decent reward rate on non-business spends Quarterly milestone benefit
Cons	Spend-based condition on rewards on business spends and capping on monthly rewards earnings Low redemption value of reward points if redeemed against non-travel options	5X rewards capped at 7,500 reward points in a month Exclusion of fuel and rental transactions from quarterly milestone benefit calculation Minimum reward limit for redemption is high at 2,500 points
Who should get this card?	Self-employed individuals who wish to save on business expenses	Self-employed individuals looking for a credit card to save on their business operational costs