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Earn rewards on everyday business spends with the HDFC Bank BizGrow Credit Card. Use this payment tool to unlock milestone benefits and manage your working capital better.
Last updated on: Aug 24, 2026
Here is a quick snapshot of the card’s essential charges and benefits to help you understand its core value at a glance:
| Particulars | Details |
|---|---|
Joining Fee |
₹500 plus applicable taxes |
Annual Fee |
₹500 plus applicable taxes |
Suitable For |
Small business owners, traders, professionals, self-employed individuals |
Key Features |
|
Joining Bonus |
₹250 gift voucher on card activation within 37 days of issuance |
The BizGrow Credit Card offers structured rewards and spending flexibility to help you manage regular business expenses more efficiently. Here are its key features:
You earn 2 CashPoints for every ₹200 spent on eligible business transactions, helping you earn value on routine expenses.
Spend more than ₹10,000 in a statement cycle and earn 10× CashPoints on eligible business spends, subject to monthly caps.
Earn 2,000 additional CashPoints when your quarterly spends reach ₹1,00,000, rewarding consistent business usage.
Get up to 55 days of interest-free credit on purchases, allowing better short-term cash-flow management.
Enjoy a 1% fuel surcharge waiver on eligible fuel transactions, reducing recurring transportation costs.
The annual fee can be waived when your card spends cross the specified yearly threshold, lowering long-term ownership costs.
Receive a ₹250 gift voucher when you activate your card within the prescribed period after issuance.
You can opt for a business insurance cover offered with the card to add protection against selected risks.
Track transactions, view statements, and manage card controls through HDFC Bank’s digital banking platforms.
Use the card across online and offline merchants in India that accept RuPay, including UPI-linked merchant payments where enabled.
The BizGrow Rewards Programme lets you earn CashPoints on business spends and redeem them across useful options. Your points accumulate based on how and where you spend, and you can redeem them as statement credits or against selected catalogue items for greater value.
Here’s how reward points are credited on your BizGrow transactions:
Core Earning Rate: You receive 2 CashPoints for every ₹200 spent on eligible business spends, excluding categories like petrol, wallet loads, rent, education and EMI spends.
Accelerated Points on Business Essentials: When your total business spends in a statement cycle exceed ₹10,000, you earn 10x CashPoints on those qualifying business spends.
Monthly Cap on Accelerated Points: The accelerated earnings are capped at 1,500 CashPoints per calendar month regardless of total spend beyond the threshold.
Quarterly Milestone Reward: If your cumulative spends reach ₹1 Lakh in a quarter, you earn an additional 2,000 CashPoints.
Redeem your Reward Points effortlessly through either HDFC Bank NetBanking or SmartBuy, depending on what’s most convenient for you.
| Redemption Type | Value per 1 Reward Point |
|---|---|
Statement balance credit |
Up to ₹0.25 (Use as statement credit) |
SmartBuy / travel bookings |
Up to ₹0.25 (Use points toward flight or hotel booking) |
Product catalogue |
Up to ₹0.25 (Redeem points for merchandise offers) |
Select merchant redemption |
Up to ₹0.30 (Redeem with partners like software or business tools) |
Key Details Related to Redemption:
You can convert your CashPoints into credit against your credit card statement balance; a minimum CashPoint balance of 2,500 points is usually required to initiate redemption.
Points can be used on the SmartBuy BizDeals or SmartBuy travel portal for flights and hotel bookings, subject to portal rules and caps (up to 50% booking value using points).
Use points for merchandise from the rewards catalogue, redeemable at specified point-to-value ratios.
Some partner merchants allow points at a higher effective value (up to ₹0.30 per point) when redeeming against eligible services or software.
Redemption via rewards catalogue may incur a nominal handling fee as detailed in the bank’s T&Cs.
To see how reward points can help you save on your business expenses, check the example below:
| Spend Category (Annual) | Spend (₹) | Reward Rate | Points Earned | Value (₹) |
|---|---|---|---|---|
Business GST & tax payments |
₹ 3,000 |
10x |
300 |
₹ 75 |
Office utility bill payment |
₹ 2,000 |
10x |
200 |
₹ 50 |
Purchasing digital business tools |
₹ 1,200 |
10x |
120 |
₹ 30 |
Hotel and flight bookings |
₹ 2,000 |
10x |
200 |
₹ 50 |
Other business-related expenses |
₹ 5,000 |
2 RP / ₹150 |
50 |
₹ 13 |
Total Monthly Spend |
₹ 13,200 |
– |
870 |
₹ 217.50 |
Disclaimer: The above example is for illustration only. Actual reward value depends on your spending pattern and redemption choice.
CashPoints you earn on the BizGrow Credit Card remain valid for 24 months from the date they are credited to your account. So, ensure that you redeem them before expiry. Maximum points you can earn in a statement cycle are capped by the programme rules, standing at 15,000 points per statement cycle. Certain redemption options may impose their own monthly limits and value caps.
You should know the principal fees and penalties associated with the BizGrow card before you commit, as these impact the cost of using the card and carrying balances.
| Fee Type | Details |
|---|---|
Joining Fee |
₹500 plus applicable taxes, charged on card issuance |
Annual Fee |
₹500 plus applicable taxes; this fee can be waived if you spend ₹1,00,000 or more in the card anniversary year |
Reward Redemption Fee |
A nominal fee may be charged per redemption request via the rewards catalogue or portals |
Cash Advance Fee |
2.5% of the amount withdrawn or ₹500 (whichever is higher) for cash withdrawals |
Interest Charges |
Finance or interest charges are typically levied at around 3.75% per month (≈45% p.a.) on unpaid balances carried past due |
Minimum Amount Due (MAD) |
You must pay a minimum of 5% of your total outstanding balance by the payment due date (as per standard credit card terms) |
Late Payment Fee |
Charges vary by outstanding amount and can range from ₹100 to ₹1,300 if you miss the payment due date |
Foreign Transaction Fee |
3.5% of the transaction value (foreign currency markup) applies on international purchases |
Note: A GST of 18% is applicable on all the above charges.
Disclaimer: These fees and charges are also subject to change at the discretion of the issuer. Before applying, check the issuer’s Most Important Terms and Conditions (MITC) document to verify.
Understanding the eligibility criteria helps you check whether you meet the basic requirements before applying, which can save time and improve approval chances:
Applicants should be self-employed Indian nationals between 21 and 65 years of age
Your Income Tax Return (ITR) should reflect a minimum annual income of more than ₹6 Lakhs for this business card eligibility
You can apply using supporting business income documents such as ITR, GST returns, bank statements, or a merchant payment report
Your business and personal credit history should show responsible repayment behaviour to strengthen approval prospects
You must hold a valid PAN and Aadhaar card to complete identity verification and KYC requirements
Having the correct documents in place can help speed up your BizGrow credit card application and support a smoother approval process:
| Document Type | Details and Purpose |
|---|---|
Income Tax Return (ITR) |
Serves as proof of your annual income and reflects your business’s financial stability for the previous financial year. |
GST Returns |
Helps confirm your business registration status and demonstrates consistency in turnover for credit evaluation. |
Bank Statements |
Provides a record of your business transactions, allowing the bank to assess cash flow patterns and repayment capacity. |
Merchant Payment Report |
Highlights your business’s digital payment activity and overall transaction volumes across platforms. |
Applying for the HDFC Bank BizGrow Credit Card on Bajaj Markets is simple, fully digital, and designed to make the approval process quick and hassle-free:
Click on ‘Check Card Offer’ and enter your basic details, such as your mobile number, date of birth, and occupation.
Confirm your identity by entering the OTP sent to your registered mobile number.
Review the pre-filled information, including your PAN, email address, residential PIN code, and income details, and make sure everything is accurate.
Choose the HDFC Bank BizGrow Credit Card from the available card options based on your business spending requirements.
Click on ‘Submit’ to complete your application and get instant confirmation on your eligibility.
For support or any queries during the application process, you can reach HDFC Bank Customer Care at 1800-1600 or 1800-2600, available 24×7, including weekends and bank holidays.
Disclaimer
Reviewer
The BizGrow card rewards routine business spending with 2 CashPoints per ₹200, plus 10× points on qualifying business spends over ₹10,000. It offers a quarterly milestone bonus, up to 55 days interest-free credit, a fuel surcharge waiver and a small activation gift. These features aim at improving cash flow and lowering operating costs.
If you run a small business and want a card that rewards everyday business transactions while helping short-term cash flow, the BizGrow card can be a solid fit. It pairs structured rewards, milestone bonuses and an extended interest-free period with modest fees. Whether it is good depends on your spend pattern and how the rewards align with your expenses.
Yes. The HDFC BizGrow is a RuPay business credit card designed specifically for small businesses, traders and self-employed professionals. Its earning rules and benefits are tailored to business transactions rather than personal retail rewards.
The standard annual (renewal) fee is ₹500 plus applicable taxes. HDFC Bank offers a waiver if you meet the card’s specified spend threshold of ₹1 Lakh during the anniversary year, so the effective cost can be zero if your business crosses that limit.
The card is intended for self-employed Indian nationals in the age bracket of 21–65 years. HDFC Bank assesses eligibility using your income documentation like a qualifying ITR and business proof (GST returns, bank statements, etc.) You also need a minimum income threshold of ₹6 Lakhs as per the bank’s policy.
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