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HDFC Bank Business Credit Cards: Compare BizFirst, BizGrow, BizPower, and BizBlack

Vatsal G Posted on Sep 29, 2026

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Compare HDFC Bank BizFirst, BizGrow, BizPower, and BizBlack METAL Business Credit Cards to find the right card for your business spending needs.

HDFC Bank offers a range of business credit cards designed for self-employed individuals, entrepreneurs, and business owners. Each card caters to different spending patterns and business requirements.

The HDFC Bank BizFirst Credit Card focuses on utility bills and EMI spends, while the HDFC Bank BizGrow Credit Card rewards business payments and GST-related spends. The HDFC Bank BizPower Credit Card adds travel and lounge benefits alongside enhanced rewards, and the HDFC Bank BizBlack METAL Business Credit Card is designed for high-spending professionals seeking premium rewards and global lounge access.

Top HDFC Bank Business Credit Cards List

HDFC Bank's business credit card portfolio offers options for businesses of different sizes and spending levels.

Here's a quick comparison of the cards available on Bajaj Markets:

Card	Joining / Renewal Fee	Renewal Fee Waiver Spend	Stated ITR Eligibility	Rewards	Key Travel / Milestone Benefit
HDFC Bank BizFirst Credit Card	₹500 + GST	₹50,000 in an anniversary year	Annual ITR of ₹6 Lakhs or above	3% CashPoints on EMI spends, 2% on utility bills, SmartPay, PayZapp and electronics spends, and 1% on other spends	2,000 CashPoints on quarterly spends of ₹75,000 and a ₹250 activation gift voucher
HDFC Bank BizGrow Credit Card	₹500 + GST	₹1 Lakh in an anniversary year	Annual ITR above ₹6 Lakhs	2 CashPoints per ₹200 spent and 10X CashPoints on business spends above ₹10,000 in a statement cycle	2,000 CashPoints on quarterly spends of ₹1 Lakh and a ₹250 activation gift voucher
HDFC Bank BizPower Credit Card	₹2,500 + GST	₹4 Lakhs in an anniversary year	Annual ITR of ₹12 Lakhs or above	5X Reward Points on GST, income tax, bill payments, travel, business tools, and digital advertising spends	Complimentary domestic and international lounge access and a ₹2,500 travel voucher on quarterly spends of ₹2.5 Lakhs
HDFC Bank BizBlack METAL Business Credit Card	₹10,000 + GST (Waived on spends of ₹1.5 Lakhs within 90 days)	₹7.5 Lakhs annually	Annual ITR above ₹30 Lakhs	Up to 5X Reward Points on eligible business spends, including tax and utility payments	Unlimited access to 1,000+ airport lounges worldwide and Club Marriott membership benefits

Disclaimer: The details mentioned above are subject to change at the issuer’s discretion. Check the issuer’s official website before applying.

HDFC Bank BizFirst Credit Card – Key Fees, Rewards, and Eligibility

The HDFC Bank BizFirst Credit Card is designed for self-employed professionals seeking rewards on everyday business spending while enjoying an extended interest-free credit period.

Welcome Benefits: Receive a ₹250 gift voucher on completing your first transaction within 37 days of card activation.
Reward Points: Earn 3% CashPoints on EMI spends, 2% CashPoints on utility bill payments, SmartPay, PayZapp, and electronics purchases, and 1% CashPoints on other eligible spends.
Cashback Benefits: Redeem accumulated CashPoints against your credit card statement and other redemption options.
Lounge Benefits: No complimentary airport lounge access is offered as a standard card benefit.
Concierge Services: Concierge services are not listed as a standard feature of the card.
Additional Benefits: Up to 55 days of interest-free credit and 2,000 CashPoints on quarterly spends of ₹75,000 or more.

HDFC Bank BizGrow Credit Card – Key Fees, Rewards, and Eligibility

The HDFC Bank BizGrow Credit Card is suitable for self-employed individuals, traders, professionals, and small business owners who want to earn accelerated rewards on routine business expenses.

Welcome Benefits: Get a ₹250 gift voucher on activating the card within 37 days of issuance.
Reward Points: Earn 2 CashPoints for every ₹200 spent on eligible business transactions.
Cashback Benefits: Earn 10X CashPoints on business spends above ₹10,000 in a statement cycle, subject to applicable caps.
Lounge Benefits: Complimentary airport lounge access is not listed as a standard benefit of the card.
Concierge Services: Concierge services are not highlighted as a core card feature.
Additional Benefits: Earn 2,000 CashPoints on quarterly spends of ₹1 Lakh and enjoy up to 55 days of interest-free credit.

HDFC Bank BizPower Credit Card: Key Fees, Rewards, and Eligibility

The HDFC Bank BizPower Credit Card is designed for business owners who want accelerated rewards on business-related expenses along with travel and lounge benefits.

Welcome Benefits: Get an Amazon voucher worth ₹1,500 or a one-year Amazon Prime membership on completing an eligible transaction such as tax, advertising, or travel spends within 30 days of card issuance.
Reward Points: Earn 5X Reward Points on eligible business spends, including GST payments, income tax payments, bill payments through PayZapp and SmartPay, business tools, travel bookings, and digital advertising.
Cashback Benefits: Earn 5 Reward Points for every ₹200 spent on routine business transactions. You can earn up to 60,000 Reward Points per statement cycle, subject to the applicable conditions.
Lounge Benefits: Enjoy complimentary domestic and international airport lounge access.
Concierge Services: Concierge services are not highlighted as a standard benefit of the card.
Additional Benefits: Receive a ₹2,500 MakeMyTrip or Reliance Digital voucher on quarterly spends of ₹2.5 Lakhs and enjoy up to 55 days of interest-free credit.

HDFC Bank BizBlack METAL Business Credit Card: Key Fees, Rewards, and Eligibility

The HDFC Bank BizBlack METAL Business Credit Card is aimed at self-employed professionals, entrepreneurs, and business owners with significant business spending requirements who want premium travel and rewards benefits.

Welcome Benefits: Get Club Marriott annual membership and vouchers worth ₹5,000 on spends of ₹1.5 Lakhs within the first 90 days.
Reward Points: Earn 5 Reward Points for every ₹150 spent on eligible transactions and up to 5X Reward Points on business payments such as GST, income tax, and utility payments made through eligible platforms.
Cashback Benefits: Accelerated reward earnings on essential business expenses can help improve the overall value derived from your business spending.
Lounge Benefits: Enjoy unlimited access to more than 1,000 airport lounges worldwide for primary and add-on cardholders.
Concierge Services: Premium lifestyle and travel benefits are available, though a dedicated concierge programme is not specifically highlighted in the card features provided.
Additional Benefits: Enjoy up to 55 days of interest-free credit, premium travel privileges, and enhanced rewards on business-related payments.

HDFC Bank Business Credit Card Rewards: Understanding Reward Points and Redemption Value

Reward points and CashPoints earned on HDFC Bank business credit cards are not equal to their redemption value in rupees. The value you receive depends on the card, redemption method, and redemption platform.

Before comparing cards, it is important to understand how rewards are earned and redeemed:

Card and Spend Example	Rewards Earned	Indicative Redemption Value
HDFC Bank BizGrow Credit Card	2,000 milestone CashPoints	Up to ₹500 at ₹0.25 per CashPoint (depending on redemption option)
HDFC Bank BizGrow Credit Card	200 CashPoints (2 CashPoints per ₹200 spent)	Up to ₹50 at ₹0.25 per CashPoint
HDFC Bank BizPower Credit Card	Reward Points as per the applicable earning structure	Redemption value varies based on the selected redemption option
HDFC Bank BizBlack METAL	Reward Points earned as per the card's reward structure	Redemption value varies based on the redemption channel and partner

Disclaimer: The details mentioned above are subject to change at the issuer’s discretion. Check the issuer’s official website before applying.

The redemption value of reward points can differ across statement credits, travel bookings, vouchers, merchandise, and business-partner redemptions. Always check the applicable redemption rate before estimating the savings from your rewards.

HDFC Bank Business Credit Card Lounge Access, Travel, and Milestone Benefits

In addition to rewards on business spending, several HDFC Bank business credit cards offer milestone benefits, travel vouchers, and airport lounge access.

Card	Domestic Lounge Access	International Lounge Access	Spend Condition	Travel / Milestone Benefit
HDFC Bank BizFirst Credit Card	Not specified as a standard benefit	Not specified as a standard benefit	₹75,000 quarterly spends	2,000 CashPoints on achieving the spend milestone
HDFC Bank BizGrow Credit Card	Not specified as a standard benefit	Not specified as a standard benefit	₹1 Lakh quarterly spends	2,000 CashPoints on achieving the spend milestone
HDFC Bank BizPower Credit Card	Complimentary access available	Complimentary access available	₹2.5 Lakhs quarterly spends	₹2,500 MakeMyTrip or Reliance Digital voucher
HDFC Bank BizBlack METAL Business Credit Card	Unlimited access	Unlimited access to 1,000+ airport lounges worldwide	Spend-based welcome benefit	Club Marriott membership and vouchers worth ₹5,000 on eligible spends

Disclaimer: The details mentioned above are subject to change at the issuer’s discretion. Check the issuer’s official website before applying.

HDFC Bank Business Credit Card Eligibility and Documents

HDFC Bank business credit cards are primarily designed for self-employed individuals, professionals, entrepreneurs, traders, and business owners. The eligibility requirements vary depending on the card variant.

Card	Applicant Type	Age	Published ITR Threshold
HDFC Bank BizFirst Credit Card	Self-employed Indian citizen	21 to 65 years	₹6 Lakhs or above
HDFC Bank BizGrow Credit Card	Self-employed Indian citizen	21 to 65 years	Above ₹6 Lakhs
HDFC Bank BizPower Credit Card	Self-employed Indian citizen	21 to 65 years	₹12 Lakhs or above
HDFC Bank BizBlack METAL Business Credit Card	Self-employed Indian citizen	21 to 65 years	Above ₹30 Lakhs

You may be required to submit the following documents while applying:

Income Tax Returns (ITR)
GST returns
Bank statements
Merchant payment reports
PAN card
Aadhaar card or other valid identity and address proof
Any additional business documents requested by HDFC Bank during verification

Final approval is subject to HDFC Bank's eligibility criteria, credit assessment, and document verification process.

How to Apply for an HDFC Bank Business Credit Card

You can apply for an HDFC Bank business credit card online through Bajaj Markets in a few simple steps:

Click on 'Check Card Offer'
Enter your mobile number, date of birth, occupation, and other required details
Verify your identity using the OTP sent to your registered mobile number
Review and confirm the pre-filled information, including your PAN details, PIN code, and income details
Compare the available HDFC Bank business credit cards and choose a suitable option
Submit the application and complete the verification process, if required

Once approved, the card will be issued as per HDFC Bank's policies and applicable eligibility criteria.

Frequently Asked Questions

Credit Card

Does meeting the HDFC Bank Business Credit Card ITR threshold guarantee approval?

No. Meeting the minimum ITR requirement makes you eligible to apply, but approval depends on several factors, including your credit profile, repayment history, business income, document verification, and HDFC Bank's internal assessment criteria.

Do Income Tax and GST payments earn rewards on the HDFC Bank BizPower Credit Card?

Yes. The HDFC Bank BizPower Credit Card offers accelerated rewards on eligible business spends, including GST payments, income tax payments, advance tax payments, and other specified business categories.

Are 5X and 10X rewards equal to 5% and 10% cashback?

No. Reward multipliers and cashback percentages are different. A 5X or 10X reward rate refers to earning reward points at a multiple of the base rate. The actual monetary value depends on the reward point earn rate and the redemption option selected.

Which HDFC Bank business credit card offers airport lounge access?

The HDFC Bank BizPower Credit Card provides complimentary domestic and international airport lounge access. The HDFC Bank BizBlack METAL Business Credit Card offers unlimited access to airport lounges worldwide for eligible cardholders.

Which HDFC Bank business credit card is suitable for GST and income tax payments?

The HDFC Bank BizPower Credit Card and HDFC Bank BizBlack METAL Business Credit Card are designed to reward business-related spends and offer accelerated rewards on eligible GST and income tax payments.

Which credit card is suitable for business use?

The right business credit card depends on your spending pattern and business requirements. The HDFC Bank BizFirst Credit Card and HDFC Bank BizGrow Credit Card may suit small business owners and professionals, while the HDFC Bank BizPower Credit Card and HDFC Bank BizBlack METAL Business Credit Card offer enhanced rewards and travel benefits for higher business spending.

Which card may be more suitable: HDFC Bank BizGrow Credit Card or HDFC Bank BizFirst Credit Card?

The HDFC Bank BizFirst Credit Card may be suitable if a significant portion of your spending is on EMIs, utility bills, SmartPay, and PayZapp transactions. The HDFC Bank BizGrow Credit Card may be more suitable if you want to earn CashPoints on everyday business spending and benefit from accelerated rewards on higher-value business transactions. The choice depends on your business spending behaviour and reward preferences.

Hi! I’m Vatsal G

Financial Content Specialist

Vatsal is someone with a backbone of crafting content around professional upskilling and workplace-related certifications. With over two years of experience covering domains like compliance, project management, communication, mobile technology, and the social media terrain, he now brings this expertise to the BFSI space. He writes to provide clarity and practical insight, helping readers from all walks of life navigate complex BFSI concepts with confidence. When Vatsal is not crafting content for the search engines, he's zoned into music.