HDFC Bank Biz Power Credit Card
Best for growing businesses with large digital/utility spends. 5X reward points on business spends (bill payments, software such as AWS/Office 365, ads) on Rs 25,000+ monthly spend; ~1.73% base value on other spends (paisabazaar)
Terms as of 2026-09-28 · Checked 30 September 2026HDFC Bank Biz Power Credit Card at a glance
Who it suits: Growing businesses with large digital/utility spends
Rewards & cashback
| Details | |
|---|---|
| How you earn | 5X reward points on business spends (bill payments, software such as AWS/Office 365, ads) on Rs 25,000+ monthly spend; ~1.73% base value on other spends (paisabazaar) |
| Caps & exclusions | 5X capped at 7,500 points/month; category caps on tax payments |
| Welcome benefit | Amazon Prime membership or Rs 1,500 voucher on qualifying transaction in 30 days |
Yearly reward value at base rate
| Spend | Rewards (base rate) | Net of annual fee + GST |
|---|---|---|
| ₹1,20,000 / year | ₹2,076 | -₹874 |
| ₹3,00,000 / year | ₹5,190 | ₹2,240 |
| ₹6,00,000 / year | ₹10,380 | ₹10,380 |
| ₹12,00,000 / year | ₹20,760 | ₹20,760 |
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 |
|---|---|
| Airport lounge | 2 domestic/quarter on Rs 75,000 prior-quarter spend; 6 international Priority Pass visits/year |
Fees & charges
| Charge | Amount |
|---|---|
| Joining fee | ₹2,500 + GST |
| Annual / renewal fee | ₹2,500 + GST |
| Fee waiver | Waived on Rs 4 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 12 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 Power Credit Card?
Joining fee ₹2,500 and annual fee ₹2,500 (plus 18% GST). Waived on Rs 4 lakh annual spend.
What rewards does it offer?
5X reward points on business spends (bill payments, software such as AWS/Office 365, ads) on Rs 25,000+ monthly spend; ~1.73% base value on other spends (paisabazaar) Caps/exclusions: 5X capped at 7,500 points/month; category caps on tax payments
Does it give airport lounge access?
2 domestic/quarter on Rs 75,000 prior-quarter spend; 6 international Priority Pass visits/year
Who is eligible?
Self-employed, age 21-65, ITR Rs 12 lakh+. A CIBIL score of 750+ improves approval chances.
Is the HDFC Bank Biz Power Credit Card good for me?
Best for: Growing businesses with large digital/utility spends. 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.