HDFC Bank BizPower Credit Card benefits
- Rewards5
reward points per ₹200 on business spends, worth up to ₹0.50 each on SmartBuy travel
- Rewards5X
points on tax, GST, bills, Google and Meta Ads
up to 7,500 extra points a cycle
- Gift₹5,000
voucher on ₹2.5 lakh of spends in a quarter
- Lounge2
domestic lounge visits a quarter with ₹75,000 quarterly spends, and 6 international visits a year
Good to know
- Annual fee ₹2,500, waived on ₹4 lakh of yearly spends
HDFC Bank BizPower Credit Card rewards and cashback
| Where you spend | Rate | Monthly limit |
|---|---|---|
| GroceriesGrocery spends earn the usual 5 points per ₹200, up to 2,000 points a month. | 2.5 points per ₹100 | 2,000 |
| Bills and utilitiesUtility bills earn 5 points per ₹200, up to 2,000 points a month. Telecom and cable bills have their own 2,000 point limit. | 2.5 points per ₹100 | 2,000 |
| Bills and utilities5X: 25 points per ₹200 on business spends: bills paid through PayZapp and SmartPay, income tax and GST payments, flights and hotels on MMT MyBiz through SmartBuy BizDeals, software through Nuclei, Google Ads, Meta Ads and Reliance Digital. You must spend ₹25,000 in the statement cycle, not counting tax and GST payments, and the extra points are capped at 7,500 a cycle. Left out of the maths because it depends on where and how much you spend. | 12.5 points per ₹100 | 7,500 |
| Everything else | 2.5 points per ₹100 | None |
We value one point at ₹0.5 in the usual redemption.
No rewards on: Fuel, wallet loads, rent, education and EMI. Only the first 2 income tax and first 2 GST payments in a billing cycle earn points.
All reward rules
- HDFC Bank gives 5 reward points per ₹200 on eligible business spends, which is 2.5 points per ₹100. These rates apply from the billing cycle starting 15 May 2026.
- We use ₹0.50 per point, the value for flights and hotels booked on SmartBuy, where points can pay up to 50% of a booking. Products and vouchers give up to ₹0.35, the business catalogue up to ₹0.65, and statement credit ₹0.20.
- Milestone: a ₹5,000 MakeMyTrip or Reliance Digital voucher on ₹2.5 lakh of spends in a calendar quarter, not counting fuel, tax, GST and EMI, from 1 July 2026.
- Welcome benefit: Amazon Prime membership or a ₹1,500 Amazon voucher on one tax, travel or ads payment in the first 30 days. Only first-time cardholders get it.
- Insurance spends earn up to 2,000 points a month and UPI spends up to 500 points a month.
What the HDFC Bank BizPower 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 | 1.25% | ₹450 |
| Dining and food delivery | ₹2,000 | 1.25% | ₹300 |
| Online shopping | ₹18,000 | 1.25% | ₹2,700 |
| Travel | ₹1,000 | 1.25% | ₹150 |
| Fuel | ₹1,000 | 0% | ₹0 |
| Bills and utilities | ₹2,000 | 1.25% | ₹300 |
| Everything else | ₹3,000 | 1.25% | ₹450 |
| Total | ₹30,000 | ₹4,350 | |
| Renewal fee with GST | −₹2,950 | ||
| You keep | ₹1,400* |
That is ₹1,028 a year more than the HDFC Bank BizFirst Credit Card on the same spending.
Spend ₹40,000 more in the year and the renewal fee is waived.
HDFC Bank BizPower Credit Card annual fee and charges
- Joining fee
- ₹2,500
- Annual fee
- ₹2,500
- Fee waiver
- ₹4,00,000 a year
Joining fee and renewal fee of ₹2,500 each, before GST. The joining fee is charged 120 days after the card is issued. The renewal fee is waived if you spend more than ₹4 lakh in a card year.
HDFC Bank BizPower Credit Card eligibility
- Age
- 21 to 65
- Self-employed income
- ₹12,00,000 a year
For self-employed Indian citizens. HDFC Bank asks for a yearly ITR above ₹12 lakh, and also accepts GST returns, bank statements or merchant payment reports.
The bank alone decides approval and your credit limit.
HDFC Bank BizPower Credit Card lounge access
8 domestic and 6 international visits a year. Banks often set a spend condition, so read the reward rules above.
2 domestic lounge visits a calendar quarter when you spent ₹75,000 or more in the previous quarter, from July 2026. 6 international visits a year through Priority Pass.
Is the HDFC Bank BizPower Credit Card right for you?
A card with a ₹2,500 fee that spending can waive, paying an above-average 1.25% on most spends.
Worth its fee if you spend about ₹21,000 a month or more. Below that, the ₹2,500 fee costs more than the card gives back on spending like the example above.
Good for you if
- You spend ₹4,00,000 a year or more (about ₹33,400 a month), so the ₹2,500 renewal fee is waived.
- You fly a few times a year: it includes 8 domestic and 6 international airport lounge visits a year.
Not for you if
- You spend less than about ₹33,400 a month: you would pay ₹2,950 a year with GST.
Check the latest fees and terms on the bank's page before you apply.
Alternatives to HDFC Bank BizPower 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 BizPower Credit Card | ₹2,500 | 6.25% | ₹1,100* |
| HDFC Bank BizFirst Credit Card | ₹500 | 0.2% | ₹360* |
*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 BizPower Credit Card?
The joining fee and the renewal fee are ₹2,500 each, before GST. The renewal fee is waived if you spend more than ₹4 lakh in a card year.
Who can apply for the HDFC BizPower Credit Card?
Self-employed Indian citizens aged 21 to 65 with a yearly ITR above ₹12 lakh. You can apply using ITR, GST returns, bank statements or merchant payment reports.
How do I get 5X reward points on the HDFC BizPower card?
Spend ₹25,000 in a statement cycle, not counting income tax and GST payments. Then bills through PayZapp and SmartPay, tax and GST payments, MMT MyBiz travel, Nuclei software, Google Ads, Meta Ads and Reliance Digital earn 25 points per ₹200. The extra points are capped at 7,500 a cycle.
How much is one HDFC BizPower reward point worth?
Up to ₹0.50 on flights and hotels booked on SmartBuy, up to ₹0.65 on the business catalogue, up to ₹0.35 on products and vouchers, and ₹0.20 as statement credit.
Does the HDFC BizPower card give lounge access?
Yes. You get 2 domestic lounge visits a quarter if you spent ₹75,000 in the previous quarter, and 6 international visits a year through Priority Pass.