Learn about the HDFC Bank BizFirst Credit Card, including how you can earn cashpoints on everyday business spends and enjoy up to 55 days of interest-free credit.
Last updated on: Aug 24, 2026
Here are the key features of this HDFC Bank business credit card:
| Details | Information |
|---|---|
Joining Fee |
₹500/- plus Applicable Taxes |
Annual Fee |
₹500/- plus Applicable Taxes. You can get the Renewal Fee waived off if you spend ₹50,000 in an anniversary year (12 billing cycles)] |
Suitable For |
Self-employed Indian citizens aged 21 to 65 years with an annual ITR of ₹6 lakh or more. |
Key Features |
|
Joining Bonus |
₹250 gift voucher on your first transaction within 37 days of activation. |
Disclaimer: The mentioned details are subject to change at the issuer's discretion. Please refer to the official terms and conditions for the most up-to-date information..
The HDFC Bank BizFirst Credit Card offers a variety of features designed to simplify business expense management while providing valuable added benefits, including:
Enjoy up to 55 days of interest-free credit on all your business purchases
3% cashpoints on EMI spends (Max. 1000 cashpoints/month)
2% cashpoints on utility bill payments, SmartPay, Payzapp, and electronics (Max. 500 cashpoints/month)
1% cashpoints on all other spends, including retail and UPI payments (Max. 500 cashpoints/month)
1% fuel surcharge waiver on fuel transactions (minimum transaction ₹400, max transaction ₹5,000, and max cashback of ₹250 per statement cycle)
Up to 10% savings on restaurant bills when using Swiggy Dineout at 20,000+ restaurants
Up to 5% cashback on travel and online shopping via SmartBuy
Assured cashback of up to ₹1,800 and e-vouchers worth up to ₹800 for adding utility bills on SmartPay
Access to a specially curated business insurance package at ₹3,785 per year (inclusive of GST), covering fire & burglary, cash in transit, electronic equipment, and hospital cash benefits
Get Insta Loans within your available credit card limit or Jumbo Loans above your credit card limit for business needs
Earn 2000 cashpoints on quarterly spends of ₹75,000 or more
Get a ₹250 gift voucher on your first transaction within 37 days
Get the annual renewal fee waived if you spend ₹50,000 or more in the previous year
Access exclusive deals and discounts on essential business tools such as Tally, Office 365, AWS, Google Workspace, Credflow, Mailchimp, LeadSquared, and Azure through Nuclei’s SmartBuy Biz Deals
The HDFC Bank BizFirst Credit Card offers an attractive rewards programme designed to make your business expenses even more rewarding. By earning cashpoints on various transactions, you can redeem them for a variety of benefits, including cashback, travel bookings, and business-related products.
Here’s how the rewards programme works and how you can maximise your business value:
3% cashpoints on EMI spends (Maximum 1,000 cashpoints/month)
2% cashpoints on utility bills, electronics, SmartPay & Payzapp transactions (Maximum 500 cashpoints/month)
1% cashpoints on all other spends, including UPI transactions (Maximum 500 cashpoints/month)
You have multiple ways to redeem your cashpoints, allowing flexibility based on your preferences:
| Redemption Type | Value per 1 CashPoint | Example |
|---|---|---|
Against Statement Balance |
₹0.10 |
Redeem cashpoints to reduce your statement balance. Minimum 2,500 cashpoints required for redemption. |
SmartBuy Portal (Travel & Hotel Bookings) |
₹0.15 |
Redeem cashpoints for travel benefits like flights and hotel bookings. Up to 50% of the booking value can be redeemed with cashpoints. Remaining amount payable via credit card. |
Product Catalogue |
₹0.15 |
Redeem cashpoints for exciting products from the catalogue. |
Insta Vouchers (via NetBanking) |
Varies |
Redeem cashpoints for gift vouchers from popular brands such as Amazon, Raymonds, Croma, Reliance Digital, and more. |
Business Catalogue (via NetBanking & SmartBuy) |
₹0.20 |
Redeem cashpoints against partner merchants like Cleartax, Wework, Greythr, Microsoft Office, Tally, Amazon for Business, Google Ads by MeDigits, Meta Ads by MeDigits. |
Here’s an illustration of how your monthly spending can translate into rewards:
| Category | Monthly Spend (₹) | Reward Points Earned | Value (₹) |
|---|---|---|---|
EMI Spends |
₹25,000 |
1,000 |
₹150 |
Utility & Electronics |
₹15,000 |
500 |
₹75 |
Other Business Spends (Retail/UPI) |
₹10,000 |
500 |
₹75 |
Dining (Swiggy Dineout) |
₹2,000 |
500 |
₹75 |
SmartBuy & PayZapp Benefits |
₹5,000 |
1,000 |
₹150 |
Total Monthly Spend |
₹57,000 |
3,500 |
₹525 |
Disclaimer: The above example is for illustrative purposes only. Actual rewards may vary based on the card variant, spending patterns, and current offers.
Expiry: cashpoints remain valid for 24 months from the date of earning.
Redemption Limits: You can redeem up to 50% of your flight or hotel booking value using cashpoints. The maximum redemption in one statement cycle is capped at 60,000 cashpoints.
Understanding the fees and charges associated with the HDFC Bank BizFirst Credit Card is essential to managing your card effectively.
Here is a breakdown of the key charges applicable to the card:
| Fee Type | Details |
|---|---|
Cash Advance Fee |
2.5% of the amount withdrawn or ₹500, whichever is higher, levied on cash withdrawals from ATMs (India/abroad) |
Payment Return Charges |
2% of the payment amount, subject to a minimum of ₹450 |
Late Fees |
₹500 plus GST, levied on Insta Jumbo loans for non-payment/partial payment of EMI outstanding |
Cash Processing Fee |
₹100 for payments made by depositing in HDFC Bank branches or ATMs |
Finance Charges (Cash Advances) |
3.75% per month (45.0% annually) on cash advances |
Foreign Currency Transactions |
3.50% of the transaction value for foreign currency transactions |
Rewards Redemption Fee |
₹99 per redemption request |
Cashback Redemption Charges |
₹50 per cashback redemption |
Disclaimer: The above-mentioned fees and charges are subject to change at the discretion of the issuer. Before applying, check the issuer’s Most Important Terms and Conditions (MITC) document to verify.
To apply for the HDFC Bank BizFirst Credit Card, you must:
Be a self‑employed Indian citizen aged between 21 and 65 years
Have an annual ITR above ₹6 lakh
Apply using ITR, GST returns, bank statements, or merchant payment reports
Disclaimer: Eligibility is subject to HDFC Bank’s policies, verification process, and final approval decisions.
When applying for the HDFC Bank BizFirst Credit Card, you will need to submit the following documents:
| Document Type | Details and Purpose |
|---|---|
Income Tax Return (ITR) |
Required for income verification and proof of annual income. |
GST Returns |
Needed for self-employed applicants to validate business income. |
Bank Statements |
Used to assess the applicant's financial health and spending patterns. |
Merchant Payment Report |
Helps to verify business transactions for creditworthiness. |
Disclaimer: Document requirements are subject to change; verify with HDFC Bank for the most accurate and updated list.
Applying for the HDFC Bank BizFirst Credit Card on Bajaj Markets is a seamless and hassle-free process, designed to get you quick approval with minimal effort.
Follow the below steps:
Click on the ‘Check Card Offer’ button and fill in your basic details, including mobile number, date of birth, and occupation.
Securely verify your identity by entering the OTP sent to your registered mobile number.
Review your pre-filled details, such as PAN, email ID, residential PIN code, and income information for accuracy.
Choose the HDFC Bank BizFirst Credit Card from the list of available options that best suits your business needs.
Hit ‘Submit’ to complete your application and get instant confirmation of your eligibility.
For any assistance or queries, you can reach HDFC Bank Customer Care at 1800-1600 or 1800-2600, available 24/7, including weekends and bank holidays.
Disclaimer
Reference of all T&C necessarily refers to the terms of the Partners as regards to pre-approved offers and processing time amongst other conditions.
Reviewer
The HDFC Bank BizFirst Credit Card provides a range of benefits, including:
Up to 55 days of interest-free credit
Cashpoints on business spends, including 3% on EMI spends, 2% on utility bill payments, and 1% on retail and UPI transactions
Dining discounts via Swiggy Dineout
Cashback and rewards through SmartBuy and Payzapp
Access to a business insurance package at an annual premium of ₹3,785
The annual fee for the HDFC Bank BizFirst Credit Card is ₹500 plus applicable taxes.
The card provides a specially curated business insurance package at an annual premium of ₹3,785 (including GST), which covers:
● Fire & Burglary insurance for up to ₹5 lakh for your shop
● Cash in transit/safe coverage up to ₹25,000
● Electronic equipment insurance excluding terrorism, up to ₹50,000
● Hospital cash benefits for accident or illness, up to ₹1,000 per day
Cardholders can get the renewal fee waived for the next year by spending ₹50,000 or more in an anniversary year (12 billing cycles).
The first-year joining fee will be charged after 120 days from the card issuance date.