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HDFC Bank BizFirst Credit Card
HDFC BizFirst is the entry point into HDFC's business card lineup, aimed at small business owners and sole proprietors just starting to formalize their expense tracking. Low fees, an accessible eligibility bar, and a 55-day interest-free window on business spends make it a practical first business card, though the reward rate itself stays modest and there's no lounge access at this tier.
Annual fee
₹500
Joining fee
₹500
Reward type
cashback
Base reward rate
1%
Card network
Visa
Card tier
Entry
Who this card fits
Best suited to business owners managing company spend with a credit score of roughly 700+ whose spend is concentrated in utilities, online shopping. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 1% base rate
Benefits by category
- 🛍️ Shopping
2% reward rate (capped ₹500/monthly)
- 🧾 Utilities
2% reward rate (capped ₹500/monthly)
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹50,000
- Employment: self-employed
- Age: 21–65
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹50,000
- Rewards redemption fee: CashPoints redeem as statement credit at no charge
- Foreign currency markup: 3.5%
- Interest rate: 41.88% p.a.
- Fuel surcharge waiver: 1% fuel surcharge waived on transactions between ₹400 and ₹1,00,000, capped at ₹250 per statement cycle
- Cash advance charges: 2.5% of the withdrawn amount or ₹500, whichever is higher; interest accrues from the date of withdrawal with no interest-free period
Benefits
- ₹250 gift voucher on one transaction within 37 days of card issuance, redeemable at brands like Amazon and Swiggy
- Up to 55 days of interest-free credit on business spends when the statement is paid in full, useful for managing short-term working capital gaps
Pros
- + Low, easily-waived ₹500 annual fee on ₹50,000 of yearly business spend
- + 2% CashPoints on utility, electronics, PayZapp and SmartPay payments (max 500 CashPoints a cycle) covers common small-business expenses
- + Up to 55 days of interest-free credit helps smooth short-term cash flow
- + Accessible eligibility bar suited to newly self-employed or small business applicants
- + ₹250 gift voucher on the first transaction within 37 days adds early value
Cons
- − Reward rate is unremarkable outside the two bonus categories
- − No lounge access or premium travel perks at this entry tier
- − Monthly reward caps of ₹500 per category limit value as the business scales up spend