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Get more from your business spending. Use this HDFC Bank credit card to earn 5X Reward Points on key categories while accessing exclusive benefits tailored for business owners.
Last updated on: Aug 24, 2026
Understand the key benefits, costs, and exclusive rewards that make the HDFC Bank BizPower credit card a smart choice for business owners:
| Details | Information |
|---|---|
Joining Fee |
₹2,500 + GST |
Annual Fee |
₹2,500 + GST (waived on spending of ₹4 lakhs in an anniversary year {12 billing cycles}) |
Suitable For |
Business-related spends |
Key Features |
|
Joining Bonus |
Get a ₹1,500 Amazon Voucher or Amazon Prime Subscription (1 Year) on your first transaction (Ads or Tax(IT/GST) or Travel) within 30 days of issuance |
Earn 5X Reward Points on key business payments such as GST, income tax, bill payments, travel bookings, digital tools, and digital ads.*
Collect 5 Reward Points for every ₹200 spent on routine business expenses like utilities, travel, or office purchases.
Enjoy up to 55 days of interest-free credit to manage business cash flow efficiently and plan expenses with ease.
Protect your business with a cover for fire, burglary, and cash in transit, plus insurance for equipment and hospital cash benefits.
Get 2 domestic airport lounge access + 1 zero cost domestic flight voucher (powered by MMT) on making ₹75,000 spent in the previous quarter.
Get 6 complimentary international airport lounge accesses via Priority Pass for a comfortable business travel experience.
Save up to 40% on flights, hotels, and business software such as Google Workspace, Microsoft Azure, AWS, and Tally.
Earn up to 10X Reward Points on purchases from partners like Flipkart, MakeMyTrip, and Apple Imagine Tresor through SmartBuy.
Convert big business expenses into easy monthly instalments using the Smart EMI feature to keep repayments manageable.
Enjoy up to 10% extra off on dining bills at over 35,000 restaurants across India when you pay with your BizPower credit card.
Get a ₹1,500 Amazon Voucher or Amazon Prime Subscription (1 Year) on your first transaction (ads/tax/travel) within 30 days of issuance
Get ₹9 Lakhs credit liability cover and zero liability on fraudulent transactions once reported to the customer care within 24 hours.
The HDFC Bank BizPower credit card makes every business transaction rewarding by offering generous Reward Points on key expenses like GST, travel, software tools, and tax payments. Here’s how the rewards programme works and how you can use it to maximise your business value:
Earn 5X Reward Points on select business spends such as GST, income tax, advance tax payments, bill payments via PayZapp and SmartPay, business tools (Tally, Office 365, AWS, Google, Azure), travel and hotel bookings, and advertising on platforms like Google Ads and Meta
Earn 5 Reward Points for every ₹200 spent on other business transactions including utilities, supplies, or office expenses
Earn up to 60,000 Reward Points per statement cycle with a minimum spend of ₹25,000 required to qualify for 5X rewards
Redeem your Reward Points conveniently through HDFC Bank NetBanking or SmartBuy, based on how you prefer to use your benefits:
| Redemption Type | Value per 1 Reward Point | Example |
|---|---|---|
Cashback against statement balance |
Up to ₹0.15 |
1,000 RP = ₹150 |
Flights or hotel bookings on SmartBuy |
Up to ₹0.50 |
1,000 RP = ₹500 |
Product catalogue via NetBanking / SmartBuy |
Up to ₹0.35 |
1,000 RP = ₹350 |
Airmiles conversion via NetBanking |
Up to 0.5 Airmiles |
1,000 RP = 500 Airmiles |
Business catalogue via NetBanking / SmartBuy |
Up to ₹0.65 |
1,000 RP = ₹650 |
Important Details:
A minimum of 2,500 Reward Points is needed to redeem against your statement balance
You can redeem up to 50% of your flight or hotel booking value using Reward Points, with the remaining amount charged to your card
From 1 February 2023, up to 70% of product or voucher value can be redeemed through Reward Points on select products
Reward Points expire after two years, so redeem them before they lapse
From 1 February 2026, redemptions are limited to five times per calendar month
Here’s how Reward Points translate into savings for your business:
| Category | Spend (₹) | Reward Rate | Points Earned | Value (₹) |
|---|---|---|---|---|
Business Tax Payments |
₹ 25,000 |
5X |
3,125 |
₹ 1,563 |
Travel & Hotel Bookings |
₹ 15,000 |
5X |
1,875 |
₹ 938 |
Business Software Purchases |
₹ 10,000 |
5X |
1,250 |
₹ 625 |
Other Business Spends |
₹ 20,000 |
5 RP / ₹200 |
500 |
₹ 250 |
Total Monthly Spend |
₹ 70,000 |
— |
6,750 |
₹ 3,375 |
Disclaimer: The above example is for illustration only. Actual reward value depends on your spending pattern and redemption choice.
Note: Assuming similar business expenses occur each month, you can earn approximately ₹40,500 annually.
Reward Points remain valid for 24 months from the date of earning. The maximum you can earn in one statement cycle is 60,000 points, giving your business significant value when used regularly for essential spends.
Knowing the fees and charges helps you manage your business spending better and avoid unexpected costs while using your credit card smartly:
| Fee Type | Details |
|---|---|
Joining Fee |
₹2,500 + applicable taxes |
Annual Fee |
₹2,500 + applicable taxes; waived if your annual spends reach ₹4 Lakhs or more in the previous year |
Reward Redemption Fee |
₹99 per redemption request, charged when you redeem your Reward Points |
Cash Advance Fee |
2.5% of the amount withdrawn or ₹500, whichever is higher |
Interest Charges |
3.75% per month or 45% annually |
Minimum Amount Due (MAD) |
Includes total GST, EMI amount, all fees and charges, plus 5% of retail and cash advance spends and any over-limit amounts |
Late Payment Fee |
Up to ₹1,300, depending on the overdue balance |
Foreign Transaction Fee |
2% of the transaction amount 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 ensures that you meet all the basic requirements before applying, helping you save time and improve your approval chances:
Applicants should be self-employed Indian nationals between the ages of 21 and 65 years
Your annual Income Tax Return (ITR) should show an income of ₹12 Lakhs or above
You can apply using supporting documents such as ITR, GST returns, bank statements, or a merchant payment report to verify your business income
Your business and personal credit history should reflect responsible financial behaviour for better approval chances
You must have a valid PAN and Aadhaar card for identity verification and KYC compliance
Having the right documents ready helps speed up your HDFC Bank BizPower credit card application and ensures a smooth approval process:
| Document Type | Details and Purpose |
|---|---|
Income Tax Return (ITR) |
Shows proof of your annual income and financial stability for the past financial year |
GST Returns |
Confirms your business registration and verifies consistent turnover for credit assessment |
Bank Statements |
Provides details of your business transactions, helping the bank evaluate your cash flow and repayment ability |
Merchant Payment Report |
Demonstrates your business’s digital payment activity and overall transaction volume |
Applying for the HDFC Bank BizPower credit card on Bajaj Markets is quick, paperless, and designed to help you get through with minimal effort:
1. Click on the ‘Check Card Offer’ button and provide your basic details, including your mobile number, date of birth, and occupation
2. Verify your identity securely by entering the OTP sent to your registered mobile number
3. Review your pre-filled details such as PAN, email ID, residential PIN code, and income information for accuracy
4. If eligible, the HDFC Bank BizPower Credit Card will be visible to you
5. After selection, click on ‘Submit’ to complete your application and receive instant confirmation on your eligibility
For any assistance or queries, you can contact HDFC Bank Customer Care on 1800-1600 or 1800-2600, available 24 hours a day, including weekends and bank holidays.
Disclaimer
Reviewer
The HDFC Bank Regalia Credit Card is designed for premium lifestyle and travel benefits. The HDFC Bank BizPower Credit Card is created specifically for business owners and self-employed professionals. It offers 5X Reward Points on business spends like GST, travel, and digital ads, along with business insurance and exclusive lounge access.
The HDFC Bank BizPower Credit Card is a business credit card designed for entrepreneurs and self-employed professionals. It helps you earn accelerated rewards on key business expenses and manage cash flow efficiently. You can also enjoy added perks such as travel benefits, EMI flexibility, and complimentary insurance coverage.
The BizPower credit card offers 5X Reward Points on select business spends and complimentary airport lounge access. It also provides up to 55 days of interest-free credit, business insurance, Smart EMI conversion, and dining discounts. These features make it ideal for managing business expenses and earning maximum value from daily transactions.
The HDFC Bank BizPower Credit Card has an annual fee of ₹2,500 plus applicable taxes. This fee is waived if your yearly spends reach ₹4 Lakhs, offering flexibility and value for business users using the card frequently.
Yes, the HDFC Bank BizPower Credit Card is an excellent choice for business owners. It offers 5X Reward Points on essential business spends along with cash flow flexibility, travel benefits, and business insurance. These features make it a practical tool for managing and rewarding everyday business expenses efficiently.
You need to fulfil the following criteria:
● You need to be an Indian citizen who is self-employed and falls within the age range of 21 to 65 years
● Your annual Income Tax Return (ITR) should reflect an income of ₹12 Lakhs or more
● You can apply using documents such as ITR, GST returns, or bank statements for income verification
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