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HDFC Bank
HDFC Bank Business Platinum Credit Card
Visa
HDFC Bank Business Platinum Credit Card
A no-frills entry-level business card for small business owners and proprietors who mainly want a secure card for everyday business spending rather than a rewards-heavy product. Fees and rewards are modest, positioning it as a starter business card rather than a premium option.
Annual fee
₹500
Joining fee
₹500
Reward type
points
Base reward rate
1.33%
Card network
Visa
Card tier
Entry
Who this card fits
Best suited to self-employed applicants with a credit score of roughly 700+ whose spend is concentrated in fuel. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 1.33% base rate
Benefits by category
- ⛽ Fuel
2.5% reward rate · Fuel surcharge waiver at fuel stations across India.
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Employment: self-employed
- Age: 21–65
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹1,00,000
- Foreign currency markup: 3.5%
- Interest rate: 3.6% p.a.
- Fuel surcharge waiver: 1% fuel surcharge waiver.
Benefits
- Reward points on all business spends with chip-and-PIN security.
- Fuel surcharge waiver at fuel stations across India.
Pros
- + Low joining/annual fee for a business card
- + Fuel surcharge waiver
- + Simple, low eligibility bar for proprietors
Cons
- − Base reward rate is unremarkable
- − No lounge access or premium travel perks