Fees
Annual feeINR 500 + GST (waived on INR 1,00,000 annual spend)
Joining feeINR 500 + GST
Renewal feeINR 500 + GST (waived on INR 1,00,000 annual spend)
Fee waiverAnnual spend of INR 1,00,000 in card anniversary year
Spend waiverINR 1,00,000 in card anniversary year
Interest rate3.75% per month (45% per annum)
Late paymentINR 100-INR 1,300 (based on amount due)
Forex markup1.99% + GST
Cash advance2.5% of amount withdrawn or INR 500 (whichever is higher)
Eligibility
Min income (salaried)N/A - Business card
Min income (self-emp.)Annual ITR/business income required; self-employed
Age range21-65 years
Employment typeSelf-employed
Resident typeIndian Resident
Rewards & cashback
Accelerated rate10X Cash Points on bill payments, tax payments, hotel bookings, software purchases via HDFC BizDeals
Cashback %Cash Points redeemable as cashback at INR 0.25 per point; 10X on accelerated categories = ~2.5% value-back; base rate 2 CP/INR 200 = 0.25%
Cashback capAccelerated Cash Points capped per billing cycle on HDFC BizDeals categories
Points expiry2 years from accumulation
Welcome bonusINR 250 gift voucher on annual fee payment; INR 500 Petrol or Amazon voucher on 6 eligible transactions within 90 days (limited offer: cards set up Jul-Sep 2026)
Bonus categoriesUtility bill payments; Tax payments (IT/GST); Hotel bookings; Business software purchases via HDFC BizDeals
Travel & lounge
Domestic loungeNo complimentary domestic airport lounge access
Lifestyle
Dining benefits10% discount on dining via Swiggy Dineout partner restaurants
Dining discounts10% off at Swiggy Dineout partner restaurants
Fuel surcharge1% fuel surcharge waiver on transactions INR 400-INR 5,000; max INR 250 per statement cycle
Complimentary2,000 Cash Points on INR 1,00,000 quarterly spend (quarterly milestone; rent and fuel excluded from milestone)
AdditionalEntry-level HDFC business card. No lounge access. Upgrade path: BizPower (ID 439) for lounge + Priority Pass. BizGrow annual fee is INR 500 — competitor tables incorrectly listed this at INR 2,500 (that is BizPower's fee).
Digital & security
Contactlesstrue
Virtual cardtrue
Zero liabilityZero liability on timely fraud reporting
WhatsApp supporttrue