HDFC Bank Biz Grow Credit Card
HDFC Bank
Annual / renewal fee
₹500 + applicable taxes.
VerifiedBiz Grow Credit Card – FAQ / Rewards & Program Terms (Apr 2025)31 Jul 2026, 5:35 PM ISTHDFC Bank
Earn rate
Confirm on the official page
Official source not yet captured
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at hdfc.bank.in — if a different card is shown first, use its card selector to pick this one.
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at hdfc.bank.in — if a different card is shown first, use its card selector to pick this one.
Overview
Biz Grow Credit Card by HDFC Bank. Facts on this page are extracted and verified automatically from official issuer documents.
Fees
Joining fee
₹500 + applicable taxes.
VerifiedBiz Grow Credit Card – FAQ / Rewards & Program Terms (Apr 2025)31 Jul 2026, 5:35 PM ISTHDFC Bank
Annual / renewal fee
₹500 + applicable taxes.
VerifiedBiz Grow Credit Card – FAQ / Rewards & Program Terms (Apr 2025)31 Jul 2026, 5:35 PM ISTHDFC Bank
Fee waiver
- Annual renewal fee waived on spends of more than ₹1 lakh in the previous anniversary year (12 billing cycles).
- Joining fee is charged after 120 days of card issuance.
VerifiedBiz Grow Credit Card – FAQ / Rewards & Program Terms (Apr 2025)31 Jul 2026, 5:35 PM ISTHDFC Bank
Renewal fee
₹500 + applicable taxes per annum.
VerifiedBiz Grow Credit Card – FAQ / Rewards & Program Terms (Apr 2025)31 Jul 2026, 5:35 PM ISTHDFC Bank
Rewards
Award example
On spending ₹20,000 in a cycle with ₹14,000 eligible spends (₹10,000 accelerated + ₹4,000 other), total CashPoints earned = 1,387 CP (1,333 CP accelerated + 53 CP on other spends).
Verifiedharvested from product page31 Jul 2026, 5:35 PM ISTHDFC Bank
Redemption value
- 1 Cash Point = up to ₹0.25 against statement balance/cashback, SmartBuy Rewards portal (flights, hotels, product catalogue).
- 1 Cash Point = up to ₹0.30 against selected merchants (business catalogue).
- Minimum 2,500 CP needed to redeem against statement balance.
- For flights & hotels, up to 50% of booking value redeemable via Cash Points (rest via card limit).
- Cash Points valid for 2 years from date of accumulation.
- Redemption as CashBack against statement: no handling charges.
- Redemption via reward catalogue: ₹99 + taxes handling charge.
VerifiedBiz Grow Credit Card – FAQ / Rewards & Program Terms (Apr 2025)31 Jul 2026, 5:35 PM ISTHDFC Bank
Reward cap
- Accelerated 10X Cash Points on Business Essential spends capped at 1,500 CP per statement cycle (excluding Wallet Load spends).
- CashPoints on insurance transactions capped at 2,000 per day.
- CashPoints on grocery capped at 2,000 per month.
- Redemption for flights & hotels bookings / CashBack redemption capped at 50,000 per calendar month.
- Maximum reward points that can be earned in a statement cycle for BizGrow is 15,000.
Verifiedharvested from product page31 Jul 2026, 5:35 PM ISTHDFC Bank
Reward exclusion
Verifiedharvested from product page31 Jul 2026, 5:35 PM ISTHDFC Bank
Travel & lounge
Lounge access
Confirm on the official page
Official source not yet captured
Travel benefit
- Up to 3% off on Domestic Flights (up to ₹500) and up to 3% off on International Flights (up to ₹750), and up to 4% off on Hotels (up to ₹500) via MMT MyBiz platform powered by SmartBuy BizDeals.
- Up to 40% discounts on business software (Tally, Office 365, AWS, Google Workspace, Credflow etc.) via SmartBuy BizDeals-Nuclei.
- Up to 10% cashback on travel/online shopping on SmartBuy.
VerifiedBiz Grow Credit Card – FAQ / Rewards & Program Terms (Apr 2025)31 Jul 2026, 5:35 PM ISTHDFC Bank
Dining, golf, concierge, insurance, milestones & welcome
Welcome benefit
₹250 worth gift voucher redeemable on top brands on activating the Biz Grow credit card within 37 days of issuance.
VerifiedBiz Grow Credit Card – FAQ / Rewards & Program Terms (Apr 2025)31 Jul 2026, 5:35 PM ISTHDFC Bank
Dining benefit
Flat 10% extra off on dining bills at 35,000+ restaurants when paying with the HDFC Bank BizGrow Card via Swiggy Dineout.
VerifiedBiz Grow Credit Card – FAQ / Rewards & Program Terms (Apr 2025)31 Jul 2026, 5:35 PM ISTHDFC Bank
Insurance
- Business Insurance package available at an annual premium of ₹3,785 (including GST): Fire & Burglary insurance for Shop up to ₹5 lacs.
- Cash in Safe/Transit up to ₹25,000.
- Electronic Equipment insurance excluding terrorism up to ₹50,000.
- Hospital Cash (Accident only) up to ₹1,000 per day.
- Hospital Cash (Illness only) up to ₹1,000 per day.
- Higher covers available at discounted premium.
- Zero lost card liability with credit liability cover of ₹3 lakh.
VerifiedBiz Grow Credit Card – FAQ / Rewards & Program Terms (Apr 2025)31 Jul 2026, 5:35 PM ISTHDFC Bank
Milestone benefit
- Milestone benefit of 2,000 CashPoints on quarterly spends of ₹1 lakh (calendar quarter).
- Fuel and rent spends are not counted toward the spend target.
VerifiedBiz Grow Credit Card – FAQ / Rewards & Program Terms (Apr 2025)31 Jul 2026, 5:35 PM ISTHDFC Bank
Statement credit
- Cash Points can be redeemed against statement balance (on request only) at 1 CashPoint = ₹0.25.
- Minimum 2,500 CP required to redeem against statement balance.
VerifiedBiz Grow Credit Card – FAQ / Rewards & Program Terms (Apr 2025)31 Jul 2026, 5:35 PM ISTHDFC Bank
Eligibility
Eligibility
- A Self Employed Indian Citizen aged between 21 years and 65 years.
- Annual ITR above ₹6 Lakhs.
- Customers can apply using ITR, GST returns, Bank Statements and Merchant payment report.
VerifiedBiz Grow Credit Card – FAQ / Rewards & Program Terms (Apr 2025)31 Jul 2026, 5:35 PM ISTHDFC Bank
Charges & interest
Forex markup
3.5% of transaction value on foreign currency transactions (currency conversion rate as on settlement date applicable).
VerifiedBiz Grow MITC / Terms & Conditions (Business Credit Cards)31 Jul 2026, 5:35 PM ISTHDFC Bank
Fuel surcharge waiver
- 1% Fuel Surcharge waiver on fuel transactions (minimum transaction of ₹400, maximum transaction of ₹5,000), maximum cashback/waiver of ₹250 per statement cycle.
- GST on fuel surcharge is not reversed.
VerifiedBiz Grow Credit Card – FAQ / Rewards & Program Terms (Apr 2025)31 Jul 2026, 5:35 PM ISTHDFC Bank
Interest-free period
Up to 55 days of interest-free credit period (ranges from 25 to 55 days).
VerifiedBiz Grow Credit Card – FAQ / Rewards & Program Terms (Apr 2025)31 Jul 2026, 5:35 PM 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 Grow Credit Card?
Officially traced: Rs. 500 + applicable taxes.
Biz Grow Credit Card – FAQ / Rewards & Program Terms (Apr 2025)What is the joining fee on the Biz Grow Credit Card?
Officially traced: Rs. 500 + applicable taxes.
Biz Grow Credit Card – FAQ / Rewards & Program Terms (Apr 2025)Is the Biz Grow Credit Card annual fee ever waived?
Annual renewal fee waived on spends of more than Rs. 1 lakh in the previous anniversary year (12 billing cycles).
Biz Grow Credit Card – FAQ / Rewards & Program Terms (Apr 2025)What welcome benefit does the Biz Grow Credit Card offer?
Rs. 250 worth gift voucher redeemable on top brands on activating the Biz Grow credit card within 37 days of issuance.
Biz Grow Credit Card – FAQ / Rewards & Program Terms (Apr 2025)What are the transfer ratios for Biz Grow 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 terms
https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/indian-oil-hdfc-bank-credit-card/part-i-key-fact-statement-cum-most-important-terms-and-conditions-for-credit-cards.pdf.
VerifiedBiz Grow Credit Card (fleet document) — governing document (side-door search)15 Aug 2026, 11:07 AM ISTHDFC Bank
Verified 2026-08-15 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.