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HDFC Bank Biz First Credit Card

HDFC Bank

Annual / renewal fee

₹500.

VerifiedMost Important Terms & Conditions (MITC) / Key Fact Statement - covers BizFirst25 Jul 2026, 12:16 AM ISTHDFC Bank

Earn rate

  • 1% CashPoints on all other spends including UPI spends (maximum 500 CashPoints per calendar month).
  • 1% CashPoint benefit via UPI payments using RuPay Biz First Credit Card.
  • Reward Points/CashPoints earned on transaction amounts in multiples of ₹100.

VerifiedBiz First Credit Card product page25 Jul 2026, 12:16 AM ISTHDFC Bank

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Source-traced to issuer Verified 2026-07-27
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You'll land on the issuer's official application portal at linksredirect.com — if a different card is shown first, use its card selector to pick this one.

Overview

Biz First Credit Card by HDFC Bank. Facts on this page are extracted and verified automatically from official issuer documents.

Fees

Joining fee

₹500.

VerifiedMost Important Terms & Conditions (MITC) / Key Fact Statement - covers BizFirst25 Jul 2026, 12:16 AM ISTHDFC Bank

Annual / renewal fee

₹500.

VerifiedMost Important Terms & Conditions (MITC) / Key Fact Statement - covers BizFirst25 Jul 2026, 12:16 AM ISTHDFC Bank

Fee waiver

Annual membership fee / renewal charges for next year waived on minimum spend of ₹50,000 per annum (excludes Cash on Call, Balance Transfer, Cash Withdrawal).

VerifiedMost Important Terms & Conditions (MITC) / Key Fact Statement - covers BizFirst25 Jul 2026, 12:16 AM ISTHDFC Bank

Renewal fee

₹500.

VerifiedMost Important Terms & Conditions (MITC) / Key Fact Statement - covers BizFirst25 Jul 2026, 12:16 AM ISTHDFC Bank

Rewards

  • 1% CashPoints on all other spends including UPI spends (maximum 500 CashPoints per calendar month).
  • 1% CashPoint benefit via UPI payments using RuPay Biz First Credit Card.
  • Reward Points/CashPoints earned on transaction amounts in multiples of ₹100.

VerifiedBiz First Credit Card product page25 Jul 2026, 12:16 AM IST

Redemption value

  • Cashback redemption against statement balance: 10 paise per point for BizFirst (w.e.f 1st November 2025).
  • Minimum amount required for cashback redemption: ₹250.
  • Rewards Redemption Fee ₹99 per redemption request.
  • Reward Points/CashPoints valid for 2 years from date of accumulation.
  • For closed cards, points redeemable only within 30 days of closure (products/vouchers only; cashback redemption not allowed on closed cards).

VerifiedMost Important Terms & Conditions (MITC) / Key Fact Statement - covers BizFirst25 Jul 2026, 12:16 AM ISTHDFC Bank

Reward cap

  • Maximum reward points that can be earned in a statement cycle for BizFirst is 15,000.
  • Insurance transactions capped at 2000 reward points per month.
  • Grocery transactions capped at 1000 reward points per month.
  • Utility 2000 and Telecom 2000 per calendar month (product-feature capping continues to apply for BizFirst).

VerifiedMost Important Terms & Conditions (MITC) / Key Fact Statement - covers BizFirst25 Jul 2026, 12:16 AM ISTHDFC Bank

Reward exclusion

  • Rent payments and Online Skill-Based gaming transactions do not earn Reward Points/CashPoints on all cards.
  • Government-related transactions DO earn on BizFirst.
  • Education-related transactions do NOT earn on BizFirst.
  • EasyEMI/e-wallet loading transactions do not accrue Reward Points.
  • Points reversed if a retail transaction is converted into SmartEMI.
  • If the card is not used for more than 365 days, accrued Reward Points/CashPoints will be nullified.

VerifiedMost Important Terms & Conditions (MITC) / Key Fact Statement - covers BizFirst25 Jul 2026, 12:16 AM ISTHDFC Bank

Travel & lounge

Lounge access

Confirm on the official page

Official source not yet captured

Travel benefit

  • Up to 40% savings on Business travel and software purchase on smartbuy.hdfcbank.com/business.
  • Business Travel Benefits via MMT MyBiz - 4% off on Flights and Hotels booking.

VerifiedBiz First Credit Card product page25 Jul 2026, 12:16 AM ISTHDFC Bank

Dining, golf, concierge, insurance, milestones & welcome

Welcome benefit

  • E-vouchers worth up to ₹800 for adding 2 or more bills on SmartPay.
  • Assured CashBack up to ₹1,800 in the first year on SmartPay (threshold/window as stated on product page).

VerifiedBiz First Credit Card product page25 Jul 2026, 12:16 AM ISTHDFC Bank

Insurance

  • Business Insurance package starting at an annual premium of ₹3,785 including Fire & Burglary insurance for shop up to ₹5 lacs.
  • Credit liability cover: ₹3 lakh.
  • Zero Lost card liability on fraudulent transactions on immediate reporting.
  • Option to choose higher Business Insurance cover as per business need.

VerifiedBiz First Credit Card product page25 Jul 2026, 12:16 AM ISTHDFC Bank

Milestone benefit

Earn 2,000 bonus CashPoints on reaching quarterly retail spending of ₹75,000 and above (excluding rent and petrol transactions).

VerifiedBiz First Credit Card product page25 Jul 2026, 12:16 AM ISTHDFC Bank

Statement credit

Assured CashBack up to ₹1,800 in the first year and e-vouchers worth up to ₹800 for adding 2 or more bills on SmartPay. 5% Cashback on purchasing Instant vouchers of Amazon, Swiggy, Reliance Digital, etc., via SmartBuy.

VerifiedBiz First Credit Card product page25 Jul 2026, 12:16 AM ISTHDFC Bank

Eligibility

Not published in the official documents on file — see the official T&C link below.

Charges & interest

Forex markup

3.50% of transaction value on Foreign Currency Transactions (currency conversion rate as on settlement date applicable).

VerifiedMost Important Terms & Conditions (MITC) / Key Fact Statement - covers BizFirst27 Jul 2026, 7:41 PM ISTHDFC Bank

Charge

  • Cash advance fee: 2.5% or ₹500 whichever is higher (Micro Enterprise Card cash withdrawal not allowed; BizFirst cash withdrawal 40% of credit limit).
  • Finance charge (revolving credit & cash advances): 3.75% per month (45% p.a.) (w.e.f 1st August'24).
  • Cash withdrawal limit: 40% of credit limit.
  • Late payment charges (w.e.f 1st Aug'24): up to ₹100 Nil.
  • ₹101-500 ₹100.
  • ₹501-1000 ₹500.
  • ₹1001-5000 ₹600.
  • ₹5001-10000 ₹750.
  • ₹10001-25000 ₹900.
  • ₹25001-50000 ₹1100.
  • Above ₹50000 ₹1300.
  • Over-limit charges: 2.5% of overlimit amount, minimum ₹550.
  • Payment Return Charges: 2% of payment amount, minimum ₹450.
  • Balance Transfer Processing: 1% of BT amount or ₹250 whichever higher.
  • Cash Processing Fee: ₹100.
  • Rewards Redemption Fee: ₹99 per redemption request.
  • Cashback Redemption Charges: ₹50 per cashback redemption.
  • Reissue of Lost/Stolen/Damaged Card: ₹199 (non-metal).
  • Add-on Card Fee: Lifetime Free.
  • Dynamic currency conversion Markup Fee: 1.75% (w.e.f 15th May 2026) on transactions in INR at international location or India-based merchants registered overseas.
  • Rent Pay: 1% (w.e.f 1st July 2025), capped ₹4999 per transaction.
  • Fuel: 1% on business card fuel transactions exceeding ₹30,000, capped ₹4999.
  • Utility: 1% on business card utility spends exceeding ₹75,000 per calendar month, capped ₹4999.
  • Education (third-party apps): 1%, capped ₹4999 per transaction.
  • Online Skill-based Gaming: 1% on spends exceeding ₹10,000/month (w.e.f 1st July 2025), capped ₹4999.
  • Wallet Loading (excl PayZapp): 1% on spends exceeding ₹10,000/month (w.e.f 1st July 2025), capped ₹4999.
  • Railway Ticket Purchase Fee: 1% + GST.

VerifiedMost Important Terms & Conditions (MITC) / Key Fact Statement - covers BizFirst25 Jul 2026, 12:16 AM ISTHDFC Bank

Fuel surcharge waiver

  • 1% fuel surcharge waiver on minimum transaction of ₹400 & maximum transaction of ₹5000.
  • Maximum waiver of ₹250 per statement cycle (GST not reversed).

VerifiedMost Important Terms & Conditions (MITC) / Key Fact Statement - covers BizFirst25 Jul 2026, 12:16 AM ISTHDFC Bank

Interest-free period

Interest free credit period ranges from 25 to 55 days (applicable only if all previous dues are paid in full and no unpaid balance is carried over).

VerifiedMost Important Terms & Conditions (MITC) / Key Fact Statement - covers BizFirst25 Jul 2026, 12:16 AM ISTHDFC Bank

Transfers

Not published in the official documents on file — see the official T&C link below.

Common questions

What is the annual fee on the Biz First Credit Card?

Officially traced: Rs. 500.

Most Important Terms & Conditions (MITC) / Key Fact Statement - covers BizFirst

What is the joining fee on the Biz First Credit Card?

Officially traced: Rs. 500.

Most Important Terms & Conditions (MITC) / Key Fact Statement - covers BizFirst

Is the Biz First Credit Card annual fee ever waived?

Annual membership fee / renewal charges for next year waived on minimum spend of Rs. 50,000 per annum (excludes Cash on Call, Balance Transfer, Cash Withdrawal).

Most Important Terms & Conditions (MITC) / Key Fact Statement - covers BizFirst

How does the Biz First Credit Card earn rewards?

1% CashPoints on all other spends including UPI spends (maximum 500 CashPoints per calendar month); 1% CashPoint benefit via UPI payments using RuPay Biz First Credit Card.

Biz First Credit Card product page

What welcome benefit does the Biz First Credit Card offer?

e-vouchers worth up to Rs. 800 for adding 2 or more bills on SmartPay.

Biz First Credit Card product page

What are the transfer ratios for Biz First Credit Card points?

Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.

Other verified details

Not published in the official documents on file — see the official T&C link below.

Official documents & verification

Official issuer pageMost Important Terms & Conditions (MITC) / Key Fact Statement - covers BizFirst

Official terms

https://www.hdfc.bank.in/business-credit-cards/biz-first-credit-card.

VerifiedBiz First Credit Card product page25 Jul 2026, 12:16 AM ISTHDFC Bank

Verified 2026-07-27 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.

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