HDFC Bank BizFirst Credit Card benefits
- Rewards2
CashPoints per ₹100 on utility bills, electronics, SmartPay and PayZapp
- Rewards3
CashPoints per ₹100 on EMI purchases
- Rewards2,000
bonus CashPoints a quarter on ₹75,000 of spends
- RewardsUp to ₹1,800
SmartPay cashback in the first year
- UPI
RuPay variant works on UPI
Good to know
- Annual fee ₹500, waived on ₹50,000 of yearly spends
HDFC Bank BizFirst Credit Card rewards and cashback
| Where you spend | Rate | Monthly limit |
|---|---|---|
| Bills and utilities2 CashPoints per ₹100 on utility bills, electronics, SmartPay and PayZapp, up to 500 CashPoints a calendar month. | 2 points per ₹100 | 500 |
| Everything else | 1 points per ₹100 | 500 |
We value one point at ₹0.1 in the usual redemption.
No rewards on: Fuel, rent, education, wallet, gift and prepaid card loads, and voucher purchases.
All reward rules
- 1 CashPoint per ₹100 on other spends, including UPI, up to 500 CashPoints a calendar month.
- 3 CashPoints per ₹100 on the principal of merchant, aggregator and brand EMIs, up to 1,000 CashPoints a month.
- 1 CashPoint is worth ₹0.10 as statement credit, up to ₹0.15 on SmartBuy flights and hotels or the product catalogue, and up to ₹0.20 on the business catalogue. We use ₹0.10. You need 2,500 CashPoints to redeem against the statement.
- Milestone: 2,000 CashPoints each quarter on ₹75,000 of retail spends, excluding rent and fuel.
- Up to ₹1,800 cashback in the first year, and e-vouchers worth up to ₹800, for adding 2 or more bills on SmartPay.
- CashPoints expire 2 years after they are earned.
What the HDFC Bank BizFirst Credit Card gives back in a year
Say you spend ₹30,000 a month, like our “online shopper” pattern. Worked out with the same maths as the calculator above.
| Spending | A month | Back | A year |
|---|---|---|---|
| Groceries | ₹3,000 | 0.1% | ₹36 |
| Dining and food delivery | ₹2,000 | 0.1% | ₹24 |
| Online shopping | ₹18,000 | 0.1% | ₹216 |
| Travel | ₹1,000 | 0.1% | ₹12 |
| Fuel | ₹1,000 | 0% | ₹0 |
| Bills and utilities | ₹2,000 | 0.2% | ₹48 |
| Everything else | ₹3,000 | 0.1% | ₹36 |
| Total | ₹30,000 | ₹372 | |
| Renewal fee with GST | Waived | ||
| You keep | ₹372* |
HDFC Bank BizFirst Credit Card annual fee and charges
- Joining fee
- ₹500
- Annual fee
- ₹500
- Fee waiver
- ₹50,000 a year
Joining and renewal fee ₹500 each, before GST, charged 120 days after the card is issued. The renewal fee is waived if you spend ₹50,000 in the card year (12 billing cycles).
Fuel surcharge: 1% fuel surcharge waiver on transactions of ₹400 to ₹5,000, up to ₹250 a statement cycle.
HDFC Bank BizFirst Credit Card eligibility
- Age
- 21 to 65
- Self-employed income
- ₹6,00,000 a year
Self-employed Indian citizens aged 21 to 65 with an ITR above ₹6 lakh a year. You can apply using your ITR or GST returns.
The bank alone decides approval and your credit limit.
HDFC Bank BizFirst Credit Card lounge access
The bank's terms list no fixed number of free airport lounge visits on this card.
Is the HDFC Bank BizFirst Credit Card right for you?
A card with a ₹500 fee that spending can waive, paying 0.2% on bills and utilities and a below-average 0.1% elsewhere.
Worth its fee if you spend about ₹5,000 a month or more. Below that, the ₹500 fee costs more than the card gives back on spending like the example above.
Good for you if
- You spend a lot on bills and utilities: the card pays 0.2% back there, against 0.1% on most other spends.
- You spend ₹50,000 a year or more (about ₹4,200 a month), so the ₹500 renewal fee is waived.
- You pay by UPI: it is a RuPay card you can link to UPI apps and use at shop QR codes.
Not for you if
- You spend less than about ₹4,200 a month: you would pay ₹590 a year with GST.
- You spend more than ₹25,000 a month on bills and utilities: the higher rate stops there.
Check the latest fees and terms on the bank's page before you apply.
Alternatives to HDFC Bank BizFirst Credit Card
Two similar cards to weigh up before you apply. The last column shows what each may be worth on ₹30,000 a month of mixed spending, after the renewal fee with GST. Rates paid only at named brands are not counted, so a brand card can earn more if you shop there.
| Card | Annual fee | Rewards up to | You keep a year |
|---|---|---|---|
| HDFC Bank BizFirst Credit Card | ₹500 | 0.2% | ₹360* |
| PhonePe SBI Card SELECT BLACK | ₹1,499 | 10% | ₹6,720* |
| IDFC FIRST Hello Cashback Credit Card | ₹1,000 | 3% | ₹5,160* |
If most of your spending looks like the example above, the PhonePe SBI Card SELECT BLACK may suit you better: it would leave you ₹11,880 a year, against ₹372 with the HDFC Bank BizFirst Credit Card.
*Estimate only, not a promise. We work it out from the bank's published terms and the spending you enter. What you actually get depends on the bank, your transactions and any change in its terms.
Frequently asked questions
What is the annual fee of the HDFC Bank BizFirst Credit Card?
₹500 a year, plus GST. The renewal fee is waived if you spend ₹50,000 in the card year.
How much is one BizFirst CashPoint worth?
₹0.10 against your statement, up to ₹0.15 on SmartBuy or the product catalogue, and up to ₹0.20 on the business catalogue.
Who can get the HDFC Bank BizFirst Credit Card?
Self-employed Indian citizens aged 21 to 65 with an ITR above ₹6 lakh a year.