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HDFC Bank
HDFC Bank BizPower Credit Card
Visa
HDFC Bank BizPower Credit Card
The premium step below BizBlack Metal, adding lounge access and travel insurance for established business owners without the metal card's steep joining fee.
Rates and fees last verified 15 July 2026.
Annual fee
₹2,500
Joining fee
₹2,500
Reward type
points
Base reward rate
2%
Card network
Visa
Card tier
Premium
Benefits by category
- ✈️ Travel
3% reward rate · Complimentary domestic airport lounge access on meeting a minimum quarterly spend threshold
- 🛡️ Insurance
Business travel insurance cover
- 🌍 Forex / international spend
2.5% forex markup on international transactions
Eligibility
- Minimum credit score: 730
- Minimum monthly income: ₹60,000
- Employment: self-employed
- Age: 25–65
Benefits
- Complimentary domestic airport lounge access on meeting a minimum quarterly spend threshold
- Business travel insurance cover
Pros
- + Lounge access at a lower fee than BizBlack Metal
- + Decent reward rate on general business spend
- + Travel insurance included
Cons
- − Lounge access is tied to a minimum quarterly spend
- − Reward ceiling is below BizBlack Metal