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HDFC Bank
HDFC Bank BizFirst Credit Card
Visa
HDFC Bank BizFirst Credit Card
The entry point into HDFC's business card lineup — low fees and a 55-day interest-free window aimed at small business owners just starting to formalize expense tracking, with modest rewards to match.
Rates and fees last verified 15 July 2026.
Annual fee
₹500
Joining fee
₹500
Reward type
cashback
Base reward rate
1%
Card network
Visa
Card tier
Entry
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: ₹15,000
- Employment: self-employed
- Age: 21–65
Benefits
- CashPoints welcome bonus on card activation
- Up to 55 days of interest-free credit on business spends
Pros
- + Low fees, easily waived
- + 55-day interest-free credit period
- + Easy eligibility bar for small business owners
Cons
- − Reward rate is unremarkable
- − No lounge access or premium perks