HDFC Business Credit Cards

HDFC business credit cards offer rewards and benefits across business expenses, travel, utility payments and select retail categories. The following are the key features and benefits of the five cards listed above.

1. HDFC BizBlack Metal Edition Credit Card

Joining Fee: Rs. 10,000 + Taxes
Annual Fee: Rs. 10,000 + Taxes

HDFC BizBlack Metal Edition Credit Card is a premium credit card designed for self-employed individuals with high business spending requirements. It offers accelerated rewards on select business expenses, along with travel privileges. This card is suitable for business owners who regularly spend on taxes, software, travel and other operational expenses.

• 5 Reward Points per Rs. 150 spent
• 5X Reward Points on select business spends
• Up to 40% savings on Business travel and software-related spends made via SmartBuy under Business segment
• 4% savings on flights/hotels bookings for business on MMT MyBiz with other travel-related services, like discounted fares, free meal, seat selection, and low cancellation fees
• Discount offers on business productivity tools and softwares, like Google Workspace, Tally Prime, AWS, Microsoft Azure and others, on Nuclei platform via SmartBuy
• Complimentary ALL Accor+ Explorer membership on spending Rs. 1.5 lakh within the first 90 days
• Unlimited access to domestic and international airport lounges for active primary and add-on card users
• Flight tickets / Taj Hotels Stay Voucher worth Rs. 5,000 on quarterly spends of over Rs. 5 Lakh, the voucher value is capped at Rs. 20,000 in a year

2. HDFC BizPower Credit Card

Joining Fee: Rs. 2,500 + Taxes
Annual Fee: Rs. 2,500 + Taxes

HDFC BizPower Credit Card is designed for self-employed professionals and entrepreneurs who want to earn rewards on regular business expenses while accessing travel and lifestyle benefits. HDFC BizPower can be suitable for small-business owners, consultants and entrepreneurs who spend regularly on advertising, tax payments, software subscriptions and business travel. It offers a combination of business-focused rewards and travel benefits at a lower annual fee than the premium BizBlack Metal Edition.

• 5 reward points on every Rs. 200 spent on business needs
• 5X rewards on select business expenses, such as Hotel and flight bookings via MMT MyBiz, Bill Payment via HDFC Bank’s Payzapp & SmartPay, Purchase of Business Software like Microsoft Office 365, AWS, Azure, Tally, etc. through SmartBuy BizDeals – Nuclei, spends made on Google Ads and Meta Ads, GST payments via payment.gst.gov.in and spends on Reliance Digital
• 5X reward points on purchasing instant vouchers of Swiggy, Shopper’s Stop, Archies and more via SmartBuy
• 4% discount on flights and hotel bookings via MMT MyBiz
• Avail discounted fares, free meals, seat selection, and low cancellation fees
• Instant discount on purchase of business softwares such as Tally Prime, AWS, Google Workspace, Microsoft Azure & more
• Amazon Prime Membership or Amazon voucher on Rs. 1,500 on 1 Tax (IT, GST) or Travel or Ads (Meta Ads, Google Ads) transactions within one month of card activation

3. HDFC BizGrow Credit Card

Joining Fee: Rs. 500 + Taxes
Annual Fee: Rs. 500 + Taxes

HDFC BizGrow Credit Card is suitable for business owners who want to earn CashPoints on routine expenses without paying a high annual fee. It offers rewards on select business-related payments, along with fuel and milestone benefits.

• 2 Cash Points on every Rs. 200 on business spends
• 10X Cash Points on select business spends
• 4% savings on Grocery, electronics, stationery & other purchases at Dmart
• 4% savings on mobile recharge, electricity, Gas, DTH & more via PayZapp
• 4% off on flights and hotel bookings via MyBiz
• Instant discount on purchase of business softwares such as Google Workspace, Tally Prime, AWS, Microsoft Azure & more via SmartBuy
• Gift voucher worth Rs. 250 on the first transaction within 37 days of card issuance

4. HDFC BizFirst Credit Card

Joining Fee: Rs. 500 + Taxes
Annual Fee: Rs. 500 + Taxes

HDFC BizFirst Credit Card is an entry-level credit card that offers rewards on everyday expenses. It can help self-employed individuals manage routine business payments while earning CashPoints on eligible transactions. This card is suitable for small-business owners and self-employed professionals who need a basic card for recurring operational expenses.

• 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
• 40% savings on your business travel and software purchase
• Up to 5% CashBack on travel/online shopping on SmartBuy
• Instant discount on purchase of Business Software such as Google Workspace, Tally Prime, AWS, Microsoft Azure and more
• Gift voucher worth Rs. 250 on making 1 transaction within the first 37 days of card issuance

5. HDFC Giga Business Credit Card

Joining Fee: Rs. 500 + Taxes
Annual Fee: Rs. 500 + Taxes

HDFC Giga Business Credit Card is another option in the bank's business credit card range. It focuses on business-related spending and offers rewards and lifestyle benefits. This card is worth considering for business owners looking for a card that combines business spending rewards with select lifestyle benefits.

• 2 CashPoints on every Rs. 200 spent on general business expenses
• 6 CashPoints on every Rs. 200 spent on Business digital spends, bill payments, income tax and GST payments
• Up to Rs. 200 off on a min. order value of Rs. 2,000 on Swiggy Dineout, twice a month
• 800 bonus CashPoints on spending Rs. 50,000 per month
• Up to Rs. 1,800 Cashback in the first calendar year and a voucher worth Rs. 800
• Gift voucher worth Rs. 250 on your first transaction within 37 days as a welcome benefit

Which HDFC Business Credit Card Is Best for You?

The best HDFC credit card depends on the business's spending pattern, annual expenses and the benefits required. Business owners should compare the rewards earned on their major expense categories with the card's annual fee and applicable spending conditions:

HDFC Business Credit Cards: Fees and Charges

HDFC business credit cards carry different fees depending on the card variant. The following table provides an overview of the major charges to check before applying for an HDFC Bank business credit card:

How to Choose the Best HDFC Business Credit Card?

Business owners should compare business credit cards based on their requirements rather than selecting a card solely because it offers a higher reward rate. The following factors can help narrow down the options.

• Identify Major Business Expenses: List the main expense categories, such as GST and income tax payments, utility bills, advertising, software subscriptions, travel and vendor payments. Choose a card that offers rewards on eligible transactions in these categories.
• Compare Rewards and Cashback: Check the base reward rate, accelerated reward categories, monthly or quarterly capping, exclusions and redemption options. Compare the actual value of rewards rather than the advertised reward multiplier alone.
• Consider the Overall Fee: Compare the joining and renewal fees with the rewards and benefits likely to be used. Also check the spending threshold required to waive the renewal fee.
• Evaluate Travel Benefits: Businesses with frequent travel requirements may benefit from cards offering airport lounge access, travel vouchers and other travel-related privileges. Check visit limits and spending conditions before applying.
• Check Eligibility Criteria: Review the minimum income, age, business documentation and other requirements for the selected card. Some cards are specifically designed for self-employed applicants.
• Review Expense Management Features: Consider whether the card supports convenient payment tracking, transaction monitoring and management of recurring business expenses.