HDFC Bank Biz Grow Credit Card
Best for small business owners paying GST/tax and software bills. 2 CashPoints per Rs 200 on business spends; 10X on select business spends (tax/GST, hotels, software); 1 point = Rs 0.25 (Rs 0.30 on business catalogue)
Terms as of 2026-09-28 · Checked 30 September 2026HDFC Bank Biz Grow Credit Card at a glance
Who it suits: Small business owners paying GST/tax and software bills
Rewards & cashback
| Details | |
|---|---|
| How you earn | 2 CashPoints per Rs 200 on business spends; 10X on select business spends (tax/GST, hotels, software); 1 point = Rs 0.25 (Rs 0.30 on business catalogue) |
| Caps & exclusions | 10X capped at 1,500 points/month |
| Welcome benefit | Rs 250 voucher on first transaction within 37 days; 2,000 points per quarter on Rs 1 lakh+ spend |
Yearly reward value at base rate
| Spend | Rewards (base rate) | Net of annual fee + GST |
|---|---|---|
| ₹1,20,000 / year | ₹300 | ₹300 |
| ₹3,00,000 / year | ₹750 | ₹750 |
| ₹6,00,000 / year | ₹1,500 | ₹1,500 |
| ₹12,00,000 / year | ₹3,000 | ₹3,000 |
Base rate only; accelerated categories raise the value, caps and excluded categories (rent, fuel, wallet, utilities etc. on many cards) lower it.
Travel, lounge & fuel benefits
| Benefit | Details |
|---|---|
| Fuel surcharge | 1% waiver on Rs 400-5,000, max Rs 250/month |
Fees & charges
| Charge | Amount |
|---|---|
| Joining fee | ₹500 + GST |
| Annual / renewal fee | ₹500 + GST |
| Fee waiver | Waived on Rs 1 lakh annual spend |
| Finance charge | Typically about 3.5%–3.75% per month on revolved balances (lower on some premium and secured cards) — see MITC |
| Cash withdrawal | Usually 2.5% (min ₹500) + interest from day one |
| Late payment | Slab-based, only if unpaid more than 3 days past due |
| GST | 18% on all fees and interest |
Is it worth it for you?
Eligibility & documents
| Criterion | Details |
|---|---|
| Income / criteria | Self-employed, age 21-65, ITR Rs 6 lakh+ |
| Age | Typically 21-60 (salaried), up to 65 (self-employed); card-specific |
| Credit score | 750+ improves approval chances |
Similar cards
| Card | Issuer | Joining / annual fee | Reward rate | Best for |
|---|---|---|---|---|
| Standard Chartered Ultimate | Standard Chartered | ₹5,000 / ₹5,000 | 3.33% base value | High flat reward rate on all spends |
| HDFC Bank Diners Club Black Metal Edition | HDFC Bank | ₹10,000 / ₹10,000 | 3.33% base value | High spenders wanting uncapped-lounge premium card below Infinia |
| HDFC Bank Infinia Credit Card Metal Edition | HDFC Bank | ₹12,500 / ₹12,500 | 3.33% base value | Super-premium, high-spend travellers (invite-only) |
| ICICI Bank Emeralde Private Metal | ICICI Bank | ₹12,499 / ₹12,499 | 3.00% base value | Super-premium spenders wanting unlimited lounges and hotel memberships |
| HSBC Premier | HSBC India | ₹12,000 / ₹20,000 | 3.00% base value | HSBC Premier banking customers |
| YES Bank Marquee | YES Bank | ₹9,999 / ₹4,999 | 2.25% base value | High online spenders |
Frequently asked questions
What is the annual fee of the HDFC Bank Biz Grow Credit Card?
Joining fee ₹500 and annual fee ₹500 (plus 18% GST). Waived on Rs 1 lakh annual spend.
What rewards does it offer?
2 CashPoints per Rs 200 on business spends; 10X on select business spends (tax/GST, hotels, software); 1 point = Rs 0.25 (Rs 0.30 on business catalogue) Caps/exclusions: 10X capped at 1,500 points/month
Who is eligible?
Self-employed, age 21-65, ITR Rs 6 lakh+. A CIBIL score of 750+ improves approval chances.
Is the HDFC Bank Biz Grow Credit Card good for me?
Best for: Small business owners paying GST/tax and software bills. Compare the net value after fees with how and where you actually spend — the calculator on this page helps.
Source: www.paisabazaar.com, 2026-09-28. Card benefits change frequently — confirm the latest Most Important Terms & Conditions (MITC) on HDFC Bank’s website before applying. FinancePortal is not affiliated with the issuer.