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HDFC Bank
HDFC BizFirst Credit Card
Travel
Rewards
1st Year Fee: ₹500* Plus Applicable Taxes
Rewards
3% CashPoints on EMI spends
Travel
Discount of booking via MMT MyBiz
Dining
Flat 10% off on dining via Swiggy Dineout
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About HDFC BizFirst Credit Card
HDFC BizFirst is a business credit card designed for small businesses, people who are self-employed, MSMEs and entrepreneurs. The card comes at a nominal fee of Rs. 500 and is best suited for businesses that make regular spends on EMIs, utility bills, software tools and travel bookings. Consumers can save on their business travel expenses like hotels and flights by availing discounts through MMT MyBiz. Since business owners spend a huge portion of their income on such costs. This entry level business card will help you save a lot on your spends.
Note: The card is also available on RuPay platform
BizFirstCredit Card Rewards Program
Through this credit card, consumers can earn CashPoints across mentioned transactions:
- 3% CashPoints, up to 1,000 CashPoints per month, on EMI spends
- 2% CashPoints, up to 500 CashPoints per month, on electronics, utility bills, SmartPay and Payzapp transactions
- 1% CashPoints, up to 500 CashPoints per month, on all other spends including UPI spends
CashPoints Redemption
The cardholders can redeem the accrued reward points against various. For 1 CashPoint, get redemption value of:
- Up to Rs. 0.15 redeem as cashback against statement
Other Features and Benefits
Travel Benefits via SmartBuy
- 40% savings on your Business travel and software purchase
- Up to 5% CashBack on travel/online shopping on SmartBuy
Benefits on Purchase of Business Software
Instant discount on purchase of Business Software such as Google Workspace, Tally Prime, AWS, Microsoft Azure and more
Welcome Benefit
Gift voucher worth Rs. 250 on making 1 transaction within the first 37 days of card issuance
Milestone Benefit
2000 bonus CashPoints given on reaching quarterly spends of Rs. 75,000 (excluding rent and petrol transactions)
BizFirst Credit Card: Fees & Charges
| Fee Type | Amount | ||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Joining Fee | Rs. 500 + taxes | ||||||||||||||||||
| Annual Fee | Rs. 500 + taxes | ||||||||||||||||||
| Finance Charges | 3.75% p.m. | 45% p.a. | ||||||||||||||||||
| Late Payment Charges |
|
Things to Know Before you apply
Consider this card if:
You are a small business owner and want rewards on daily business purchases and EMIs or a start up seeking a low-cost card with business-centric rewards
You travel for business purpose and make bookings via MMT MyBiz
You buy business equipments on instalments
You use AWS, Google Workspace, Tally Prime, Microsoft and more regularly
Eligibility and Documentation
Occupation: Self-employed
Age Requirement: 21 to 65 years
Income: Annula ITR above Rs. 6 Lakh
Apply using ITR, GST returns, Bank statements and Merchant payment report
Paisabazaar Review
What do we like about this card?
The HDFC Bank BizFirst Credit Card is an entry-level credit card suited to the needs of small business owners and self-employed individuals. The credit card comes with a low annual/joining fee along with easy waiver condition of just Rs. 50,000 annually. If your monthly business spends vary anywhere from Rs. 15,000 - Rs. 50,000 then HDFC BizFirst is a card for you because it offers good value on your spends. Its built-in business insurance package makes it one of the most well-rounded affordable business credit cards available. Also, the card provides CashPoints on UPI transactions which is a notable advantage.
Pros
- Low annual fee (waived on just Rs. 50,000 annual spends)
- CashPoints earned on UPI transactions
- Up to 40% off on business software tools
- Business insurance package included
- MMT MyBiz travel discounts
Cons
- No airport lounge access
- CashPoints capped at 15,000/cycle
- Minimum 2,500 CashPoints required for redemption
- No concierge service
Frequently Asked Questions
Everything you need to know about this credit card
Yes! You will earn 1% CashPoints on UPI transactions (capped to 500 CashPoints per month.
No. The card doesn’t include airport lounge access. However, if your priority is lounge access you can consider the HDFC BizPower or HDFC BizBlack Credit Card that comes with domestic/international lounge access advantages.
HDFC BizFirst Credit Card offers up to 55 days of interest free period.
Yes, you can apply for HDFC BizFirst Credit Card with the bank even if you don’t hold an account with them. However, HDFC account holders benefit from faster processing of application, pre-approved offers, minimal documentation and higher chances of application getting approved.
On SAAS tools up to 40% off on productivity tools like Office 365, Tally, AWS and more. Get up to 3% off on flights and hotel bookings via MMT MyBiz.
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