HDFC Bank BizPower Credit Card

Best suited to business owners managing company spend with a credit score of roughly 730+ whose spend is concentrated in travel, utilities. Its annual fee waives if you can comfortably clear the spend threshold.

• Rewards rate: 1.25% base rate
• Domestic lounge access: 2 complimentary domestic lounge visits per calendar quarter on ₹75,000 of spend in the preceding calendar quarter, plus 1 MakeMyTrip zero-cancellation flight voucher on the same threshold (from 1 Jul 2026)
• International lounge access: 6 complimentary international lounge visits per year via Priority Pass
• Insurance benefits: Credit liability cover up to ₹9 lakh; business insurance (fire & burglary, cash in transit, equipment, hospital cash) is an optional paid add-on, not a complimentary cover

• ✈️ Travel

  6.25% reward rate (capped ₹3,750/monthly) · From the quarter starting 1 Jul 2026, 2 domestic lounge visits plus 1 MakeMyTrip zero-cancellation flight voucher per calendar quarter on ₹75,000 of spend in the previous quarter, plus 6 international lounge visits a year via Priority Pass

• 🏨 Hotel

  5 Reward Points per ₹200 (from 15 May 2026), and 5X points on IT/GST payments, PayZapp/SmartPay bill payments, MMT MyBiz flights and hotels, Nuclei business tools, Google/Meta Ads and Reliance Digital, capped at 7,500 points a cycle and unlocked by ₹25,000 of non-tax spend in that cycle; only the first 2 IT and first 2 GST payments per cycle earn points

• 🌍 Forex / international spend

  2.5% forex markup on international transactions

• Minimum credit score: 730
• Minimum monthly income: ₹1,00,000
• Employment: self-employed
• Age: 21–65

• Spend-based waiver: Waived on annual spend of ₹4,00,000
• Rewards redemption fee: Redemption via SmartBuy or as statement credit is free; nominal fee only for catalogue/voucher redemptions
• Foreign currency markup: 2.5%
• 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• Cash advance charges: 2.5% of the withdrawn amount or ₹500, whichever is higher; interest accrues from the date of withdrawal with no interest-free period

• From the quarter starting 1 Jul 2026, 2 domestic lounge visits plus 1 MakeMyTrip zero-cancellation flight voucher per calendar quarter on ₹75,000 of spend in the previous quarter, plus 6 international lounge visits a year via Priority Pass
• Amazon Prime membership or a ₹1,500 Amazon voucher for first-time cardholders who make one tax (IT/GST), travel or ads transaction in the first 30 days
• ₹5,000 MakeMyTrip/Reliance Digital voucher for every calendar quarter with ₹2.5 lakh of retail spend (excluding petrol, IT, GST and EMI), from 1 Jul 2026
• 5 Reward Points per ₹200 (from 15 May 2026), and 5X points on IT/GST payments, PayZapp/SmartPay bill payments, MMT MyBiz flights and hotels, Nuclei business tools, Google/Meta Ads and Reliance Digital, capped at 7,500 points a cycle and unlocked by ₹25,000 of non-tax spend in that cycle; only the first 2 IT and first 2 GST payments per cycle earn points