HDFC Biz First Credit Card
The HDFC Biz First Credit Card is a business credit card from HDFC Bank for self-employed Indian citizens aged 21 to 65 years. It offers up to 55 days of interest-free credit and CashPoints on EMI, utility bill and other business spends. Check its features, benefits and eligibility below before you apply.
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Points On Everyday Business Spends
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Fee Details
- 1st Year - ₹ 500 + taxes¹
- 2nd Year Onwards - ₹ 500 + taxes (reversed on spends of ₹50,000 in the anniversary year)
Joining Perks
- ₹250 gift voucher on first transaction within 37 days
Rewards
- EMI spends: 3% points
- Utility, Electronics, SmartPay & PayZapp spends: 2% points
- All other eligible spends: 1% points
- All eligible UPI spends: 1% points
- UPI payments on the RuPay card: 1% points
What you'll love
Welcome benefit: ₹250 gift voucher
3% points on EMI spends
2% points on utility bills, electronics, SmartPay & PayZapp spends
1% points on UPI & all other eligible spends
Milestone spends: 2,000 points
1% fuel-surcharge waiver on fuel spends
2,000 bonus points on quarterly spends of ₹75,000
Swiggy Dineout: save up to 10% on restaurant bills
Up to 55 days of interest-free credit
₹250 gift voucher on activating card within 37 days of issuance
3% points on EMI spends
2% points on utility, electronics, SmartPay & Payzapp spends
1% points on all other eligible spends, including UPI payments
2,000 points on spending ₹75,000 or more each calendar quarter
Up to 5% cashback on travel/online shopping on SmartBuy
Up to 40% off on business software on Nuclei platform via SmartBuy Biz Deals
Business insurance package at annual premium of ₹3,785
Up to ₹1,800 cashback & e-vouchers up to ₹800 on adding 2 or more utility bills on SmartPay
1% fuel-surcharge waiver at petrol bunks (on spends of ₹400-₹5,000, capped at ₹250 per statement cycle)
Annual-fee waiver on spends of ₹50,000 in previous year
Credit liability cover of ₹3 lakh
Redeem points as cashback against statement balance (1 point = ₹0.25)
Redeem points for flight/hotel bookings & product catalogue via SmartBuy (1 point = ₹0.15)
Redeem points against business catalogue via SmartBuy (1 point = ₹0.20)
Zero lost card liability if immediately reported to bank
Think about
3% points capped at 1,000/month
2% & 1% points capped at 500 each, per month
Rental & fuel spends excluded from quarterly spends for milestone benefit
1% fee on rental transactions, capped at ₹4,999/transaction
1% fee on utility spends >₹75,000/month
Reward point validity: 2 years from accrual date
Max. 15,000 points earned in a statement cycle
¹Charged 120 days after the card is issued.
Available at a minimal joining fee of Rs.500, the Biz First Credit Card provides customers with various benefits and convenience.
Features of HDFC Biz First Credit Card
Enabling your business
- Enjoy an interest-free credit period of up to 55 days.
- Earn 3% cash points on EMI expenses up to 1000 points in a month.
- Earn 2% cash points on utility bills, electronics, SmartPay and PayZapp transactions, up to 500 cash points in a month.
- Earn 1% cash points on all other categories of spending, including UPI, up to 500 cash points in a month.
- Cash points are valid for two years from the date of accumulation.
Milestone Benefits
- Earn 2,000 bonus cash points on reaching quarterly retail spending limit of Rs.75,000 and above, excluding rent and petrol transactions
- Applicable to annual expenditure of Rs. 50,000 in the previous year
Insurance Benefit
With HDFC Biz First credit card, you will get four choices between different business insurance annual plans. They are as follows:
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 |
UPI Payment Benefits
- Earn 1% cash point benefits on making UPI payments using RuPay Biz First Credit Card
Card Activation Benefits
- Earn a Rs.250 worth gift voucher on making 1 transaction on Biz First Credit Card within the first 37 days after issuance of the card. Vouchers can be redeemed on top brands such as Amazon Swiggy & others.
Renewal Offer
- Renewal fee waived off if spending exceeds Rs.50,000 in the previous year.
- The joining or renewal fee is Rs.500 plus applicable taxes.
- The joining fee is charged after 120 days from the date the card is issued.
- Add-on cards on the Biz First Credit Card are lifetime free.
Additional Benefits
- Get 1% fuel surcharge waived off, applicable on fuel stations across India.
- To avail the fuel surcharge waiver, the transaction amount should be between Rs.400 and Rs.5,000, and the maximum waiver is Rs.250 in one statement cycle.
- Get flat 10% extra off on dining bills at 35,000+ restaurants with Swiggy Dineout on paying via Swiggy App using your card.
- Earn up to 5% cash back on online/travel shopping on SmartBuy.
- The 5% cashback on select brands such as Myntra and MakeMyTrip on SmartBuy is capped at Rs.1,000 per month.
- Get an instant discount on business software such as Google Workspace, Tally Prime, AWS and Microsoft Azure through Nuclei.
- Avail up to 40% savings on business travel and software purchases through SmartBuy BizDeals.
- Get assured cashback of up to Rs.1,800 in the first year and e-vouchers worth up to Rs.800 for adding two or more bills on SmartPay.
- Earn 5% cashback on purchasing instant vouchers of Amazon, Swiggy, Reliance Digital and other brands through SmartBuy.
- Convert your large online or in-store purchases into EMIs with the Easy EMI option.
- Enjoy zero lost card liability on any fraudulent transactions made on your credit card.
Eligibility Criteria
The eligibility criteria to apply for this credit card are given below:
- You should be a citizen of India, self-employed and aged between 21 and 65 years old.
- Your annual income tax return (ITR) should exceed Rs.6 lakh.
- You can apply using your ITR, GST returns, bank statements or merchant payment reports.
How to Apply for the HDFC Biz First Credit Card
You can apply for the HDFC Biz First Credit Card online through the HDFC Bank website or by visiting an HDFC Bank branch. Follow these steps to apply online:
- Provide and validate your phone number and date of birth or PAN.
- Confirm your details.
- Select your card.
- Submit your application and receive your card.
In certain cases, you may need to upload documents and complete a video KYC.
Summary
The HDFC Biz First Credit Card is a business credit card for self-employed Indian citizens that offers up to 55 days of interest-free credit, CashPoints on EMI, utility bill and other spends, quarterly milestone rewards and a business insurance package. Review the features, renewal fee waiver and eligibility above to see whether the card suits your business. Apply for the HDFC Biz First Credit Card through BankBazaar.
FAQs on HDFC Biz First Credit Card
1.What is the HDFC Biz First Credit Card?
The HDFC Biz First Credit Card is a business credit card issued by HDFC Bank for self-employed Indian citizens. It gives an interest-free credit period, CashPoints on business spends, milestone rewards and an optional business insurance package. The features section above lists the details.
2.Who can apply for the HDFC Biz First Credit Card?
Self-employed Indian citizens within the age band set by HDFC Bank and meeting its income tax return requirement can apply for the HDFC Biz First Credit Card. The eligibility criteria section above lists the current age and income conditions.
3.What are the main benefits of the HDFC Biz First Credit Card?
The HDFC Biz First Credit Card offers an interest-free credit period, CashPoints on EMI, utility, electronics and other spends, and quarterly milestone rewards. It also gives a welcome voucher, a fuel surcharge waiver and business insurance plans. The features section above explains each benefit.
4.How do I earn CashPoints on the HDFC Biz First Credit Card?
You earn CashPoints on the HDFC Biz First Credit Card at different rates depending on the spend category, such as EMI spends, utility bills, electronics and other retail spends including UPI. Monthly caps apply to each category, and the features section above lists them.
5.How long are CashPoints on the HDFC Biz First Credit Card valid?
CashPoints earned on the HDFC Biz First Credit Card are valid for a limited period from the date they are accumulated, after which unredeemed CashPoints expire. Redeem them before the validity ends, as set out in the card's terms and conditions.
6.Does the HDFC Biz First Credit Card offer business insurance?
Yes, the HDFC Biz First Credit Card offers a choice of annual business insurance plans covering shop contents, cash, electronic equipment and hospital cash. The premium and cover amounts differ by plan and are listed in the insurance table above.
7.Can I use the HDFC Biz First Credit Card for UPI payments?
Yes, you can use the RuPay variant of the HDFC Biz First Credit Card for UPI payments, and these spends earn CashPoints. You need to link the card to your UPI app to start using it.
8.Is there a joining fee on the HDFC Biz First Credit Card?
Yes, the HDFC Biz First Credit Card carries a joining fee that HDFC Bank charges some time after the card is issued. The amount and the timing are listed on this page above.
9.Can the renewal fee on the HDFC Biz First Credit Card be waived?
Yes, HDFC Bank waives the renewal fee on the HDFC Biz First Credit Card when your annual spends cross the limit it sets. The renewal offer section above lists the spend condition.
10.Can I get an add-on card with the HDFC Biz First Credit Card?
Yes, HDFC Bank issues add-on cards on the HDFC Biz First Credit Card. The add-on card fee is listed in the renewal offer section above.
11.How can I apply for the HDFC Biz First Credit Card?
You can apply for the HDFC Biz First Credit Card online through the HDFC Bank website or BankBazaar, or by visiting an HDFC Bank branch. The how to apply section above lists the online steps.
12.Can I apply for the Biz First Credit Card by visiting the nearest branch of the HDFC Bank?
Yes, you can apply for the HDFC Biz First Credit Card by visiting the nearest branch of HDFC Bank. You can also apply online through the HDFC Bank website.
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