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HDFC Bank
HDFC Bank BizGrow Credit Card
Visa
HDFC Bank BizGrow Credit Card
A mid-tier business card for growing small businesses, trading BizFirst's rock-bottom fee for a modestly higher reward rate on everyday business spend.
Rates and fees last verified 15 July 2026.
Annual fee
₹1,000
Joining fee
₹1,000
Reward type
cashback
Base reward rate
1.5%
Card network
Visa
Card tier
Entry
Benefits by category
- 🧾 Utilities
2% reward rate (capped ₹750/monthly)
- ⛽ Fuel
1% fuel surcharge waiver at all fuel stations, capped at ₹250 per statement cycle
- 🌍 Forex / international spend
3% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹25,000
- Employment: self-employed
- Age: 21–65
Benefits
- 1% fuel surcharge waiver at all fuel stations, capped at ₹250 per statement cycle
- Up to 55 days of interest-free credit on all business expenses
Pros
- + Modest step-up reward rate from BizFirst
- + Long 55-day interest-free period
- + Fuel surcharge waiver included
Cons
- − Still no lounge access
- − Reward caps limit value for larger businesses