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HDFC Bank Biz First Credit Card is a suitable option for small businesses, helping them save on their regular spends in the form of Cash Points and redeem them for travel bookings via SmartBuy, business catalogue or statement credit. The card also provides travel benefits via MMT MyBiz and discount on popular tools like AWS, Google Workspace, etc. via Nuclei. The card also extends a Business Insurance Package at low annual premium. Here is all you need to know about the card.
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HDFC Bank Biz First Credit Card Rating |
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| Rewards Benefits | ★★★ (3/5) |
| Insurance Benefits | ★★★ (3.5/5) |
| Other Lifestyle Benefits | ★★★ (3.5/5) |
| Overall Rating | ★★★ (3/5) |
Note: This Card is not available on Paisabazaar. The content on this page is for information only. To express interest in this card, please visit HDFC Bank’s website.
Avail a gift voucher worth Rs. 250 on making 1 transaction within the first 37 days of card issuance. This voucher is redeemable on top brands, like Swiggy, Amazon and more.
Validity: Up to 2 years post accrual
Redemption Options: The cardholders can redeem the accrued reward points against various options, such as –
Redemption Fee: Rs. 99+GST on redemption via reward catalogue
Redemption Value: 1 CashPoint = Rs. 0.15
Quarterly Bonus CashPoints: 2,000 bonus CashPoints given on reaching quarterly retail spends of Rs. 75,000, excluding rent and petrol transactions
Renewal Fee Waiver: Applicable on annual spends of Rs. 50,000 in the previous year
The card members are offered a choice between four different business insurance annual plans which they can choose from depending upon their preferences:
| Insurance Covers | Amount via Plan 1 | Amount via Plan 2 | Amount via Plan 3 | Amount via Plan 4 |
| Fire & Burglary insurance for shop, excluding theft | Rs. 5 lakh | Rs. 10 lakh | Rs. 20 lakh | Rs. 50 lakh |
| Cash in safe | Rs. 25,000 | Rs. 50,000 | Rs. 1 lakh | Rs. 2.5 lakh |
| Cash in transit | Rs. 25,000 | Rs. 50,000 | Rs. 1 lakh | Rs. 2.5 lakh |
| Electronic equipment insurance, excluding terrorism | Rs. 50,000 | Rs. 1 lakh | Rs. 2 lakh | Rs. 2.5 lakh |
| Hospital Cash: Accident Only Amount Payable/Day (30 days cover) | Rs. 1,000 | Rs. 1,500 | Rs. 2,000 | Rs. 5,000 |
| Hospital Cash: Illness Only Amount Payable/Day (30 days cover) | Rs. 1,000 | Rs. 1,500 | Rs. 2,000 | Rs. 5,000 |
| Total Premium without GST | Rs. 3,207 | Rs. 6,221 | Rs. 12,442 | Rs. 23,886 |
| Total Premium with GST | Rs. 3,785 | Rs. 7,341 | Rs. 14,681 | Rs. 28,185 |
| Fees & Charges | Details |
| Joining/Annual Fee | Rs. 500 (Waived off on Rs. 50,000 annual spends) |
| Forex Mark-up Fee | 3.5% |
| Finance Charges | 3.75% per month (or 45% p.a.) |
| Late Payment Charges | On outstanding balance of – Up to Rs. 100: Nil Rs. 101 to Rs. 500: Rs. 100 Rs. 501 to Rs. 1,000: Rs. 500 Rs. 1,001 to Rs. 5,000: Rs. 600 Rs. 5,001 to Rs. 10,000: Rs. 750 Rs. 10,001 to Rs. 25,000: Rs. 900 Rs. 25,001 to Rs. 50,000: Rs. 1,100 More than Rs. 50,000: Rs. 1,300 |
Click here for detailed fees and charges and other HDFC Bank Credit Card terms and conditions.
The applicant must satisfy the following eligibility criteria to get HDFC Bank Biz First Credit Card: