HDFC Bank Biz Power Credit Card
HDFC Bank
Annual / renewal fee
₹2,500.
VerifiedKey Fact Statement cum Most Important Terms & Conditions (MITC) - English (covers BizPower)30 Jul 2026, 7:10 AM ISTHDFC Bank
Earn rate
- 5 Reward Points for every ₹200 spent on all spends excluding fuel, wallet, education, rent and EMI categories (Effective 15th May 2026).
- Accelerated: 5X Reward Points (up to 7,500 RP per billing cycle) on making ₹25,000 or more non-tax spends (excluding IT and GST spends) in a statement cycle.
- Accelerated categories: IT and GST payments, bill payments via PayZapp & SmartPay, flights & hotel bookings on MMT MyBiz (via SmartBuy Biz Deals), business productivity tools via Nuclei on SmartBuy Biz Deals, Google Ads and Meta Ads, Reliance Digital spends.
Verifiedharvested from product page30 Jul 2026, 7:10 AM ISTHDFC Bank
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 Power Credit Card by HDFC Bank. Facts on this page are extracted and verified automatically from official issuer documents.
Fees
Joining fee
₹2,500.
VerifiedKey Fact Statement cum Most Important Terms & Conditions (MITC) - English (covers BizPower)30 Jul 2026, 7:10 AM ISTHDFC Bank
Annual / renewal fee
₹2,500.
VerifiedKey Fact Statement cum Most Important Terms & Conditions (MITC) - English (covers BizPower)30 Jul 2026, 7:10 AM ISTHDFC Bank
Fee waiver
Annual membership fee / renewal charges for next year waived on minimum spend of ₹4 Lakh per annum (excludes Cash on Call, Balance Transfer, Cash Withdrawal).
VerifiedKey Fact Statement cum Most Important Terms & Conditions (MITC) - English (covers BizPower)30 Jul 2026, 7:10 AM ISTHDFC Bank
Rewards
- 5 Reward Points for every ₹200 spent on all spends excluding fuel, wallet, education, rent and EMI categories (Effective 15th May 2026).
- Accelerated: 5X Reward Points (up to 7,500 RP per billing cycle) on making ₹25,000 or more non-tax spends (excluding IT and GST spends) in a statement cycle.
- Accelerated categories: IT and GST payments, bill payments via PayZapp & SmartPay, flights & hotel bookings on MMT MyBiz (via SmartBuy Biz Deals), business productivity tools via Nuclei on SmartBuy Biz Deals, Google Ads and Meta Ads, Reliance Digital spends.
Verifiedharvested from product page30 Jul 2026, 7:10 AM IST
Redemption value
- 1 Reward Point = up to ₹0.65.
- Cashback redemption against statement balance: 15 paise per point (w.e.f 1st November 2025).
- Minimum ₹250 required for cashback redemption.
- Rewards Redemption Fee: ₹99 per redemption request.
- Cashback Redemption Charges: ₹50 per cashback redemption.
- For flight & hotel bookings, up to 70% of booking value redeemable via Reward Points (w.e.f 25th July 2020).
- Reward Points valid for 2 years from date of accumulation.
VerifiedKey Fact Statement cum Most Important Terms & Conditions (MITC) - English (covers BizPower)30 Jul 2026, 7:10 AM ISTHDFC Bank
Reward cap
- Maximum reward points that can be earned in a statement cycle for BizPower is 60,000.
- Insurance transactions capped at 2000 Reward Points per month.
- Grocery transactions capped at 2000 Reward Points per month.
- Utility transactions capped at 2000 Reward Points per calendar month.
- Telecom transactions capped at 2000 Reward Points per calendar month (w.e.f 1st September 2024).
- Credit card purchases done via UPI mode earn up to a maximum of 500 points in a calendar month.
VerifiedKey Fact Statement cum Most Important Terms & Conditions (MITC) - English (covers BizPower)30 Jul 2026, 7:10 AM ISTHDFC Bank
Reward exclusion
Verifiedharvested from product page30 Jul 2026, 7:10 AM ISTHDFC Bank
Travel & lounge
Lounge access
- Domestic (within India): Two complimentary lounge access per quarter on minimum spends of ₹75,000 in previous calendar quarter (swipe credit card; April-June'26 spends considered for access from 1st July 2026).
- From calendar quarter starting 1st July 2026: 2 domestic airport lounge visits per calendar quarter unlocked on spending ₹75,000 or more in the previous calendar quarter.
- International (outside India): Complimentary Priority Pass membership for Primary and Add-on cardholders offered on request via phone banking (minimum 4 transactions to be completed on the card to apply).
- Priority Pass visits beyond complimentary cap charged at $27 (in INR equivalent) + taxes per person per visit.
VerifiedKey Fact Statement cum Most Important Terms & Conditions (MITC) - English (covers BizPower)30 Jul 2026, 7:10 AM ISTHDFC Bank
Travel benefit
1 Flight cancellation insurance voucher (MakeMyTrip) per calendar quarter, unlocked when spending ₹75,000 or more in the previous calendar quarter (Effective from the calendar quarter starting 1st July 2026).
Verifiedharvested from product page30 Jul 2026, 7:10 AM ISTHDFC Bank
Dining, golf, concierge, insurance, milestones & welcome
Welcome benefit
- Amazon Prime Annual Membership or ₹1,500 Amazon Voucher on making one transaction from eligible categories (Tax - Income Tax or GST from government portals; Travel - Travel or Hotel stay bookings; Ads Spends - Google Ads or Meta Ads) within first 30 days of card issuance (effective 15th May 2026).
- Benefit communicated within 30 days of condition being met.
- Redeem within 30 days of receipt of communication.
Verifiedharvested from product page30 Jul 2026, 7:10 AM ISTHDFC Bank
Concierge
- Priority Pass lounge access charged at $27 (in INR equivalent) + Taxes per person per visit for BizPower (Priority Pass Lounge Charges) beyond complimentary cap.
- Guests charged at $27 + Taxes per person per visit.
VerifiedKey Fact Statement cum Most Important Terms & Conditions (MITC) - English (covers BizPower)30 Jul 2026, 7:10 AM ISTHDFC Bank
Dining benefit
10% extra off on dining bills at 35K+ restaurants when paying with the HDFC Bank BizPower Card.
VerifiedBiz Power Credit Card product page30 Jul 2026, 7:10 AM ISTHDFC Bank
Insurance
- Select Credit Card variants have a complimentary insurance cover on the Card.
- The policy coverage starts from the date of the Credit Card set up.
- For information on updating nominee details and terms and conditions, refer to usage guide.
VerifiedKey Fact Statement cum Most Important Terms & Conditions (MITC) - English (covers BizPower)30 Jul 2026, 7:10 AM ISTHDFC Bank
Milestone benefit
- From 1st July 2026: Gift Voucher worth ₹5,000 of MakeMyTrip/Reliance Digital on quarterly spends of ₹2.5 Lakhs & above per calendar quarter (excluding petrol, IT, GST, EMI spends).
- Until 30th June 2026: Gift Voucher worth ₹2,500 of MakeMyTrip/Reliance Digital on quarterly spends of ₹2.5 Lakhs & above per calendar quarter (excluding rent, petrol, EMI spends).
- Only a single voucher shared as per cardholder choice.
- Redeem within 90 days of communication.
Verifiedharvested from product page30 Jul 2026, 7:10 AM ISTHDFC Bank
Eligibility
Eligibility
- Continued access to card aligned to eligibility criteria.
- HDFC Bank reviews cardmember accounts periodically.
- Add-on cardmembers share the same limit as primary cardholders.
- Cash withdrawal limit: 40% of the credit limit.
VerifiedKey Fact Statement cum Most Important Terms & Conditions (MITC) - English (covers BizPower)30 Jul 2026, 7:10 AM ISTHDFC Bank
Charges & interest
Forex markup
Foreign currency transactions: 3.5% of transaction value (currency conversion rate as on settlement date applicable).
VerifiedKey Fact Statement cum Most Important Terms & Conditions (MITC) - English (covers BizPower)30 Jul 2026, 7:10 AM ISTHDFC Bank
Fuel surcharge waiver
- 1% fuel surcharge waiver on minimum transaction of ₹400 & maximum transaction of ₹5000.
- Maximum waiver of ₹500 per statement cycle (waiver capped at 1% of eligible fuel transaction amounts; GST on fuel surcharge not reversed).
VerifiedKey Fact Statement cum Most Important Terms & Conditions (MITC) - English (covers BizPower)30 Jul 2026, 7:10 AM ISTHDFC Bank
Interest-free period
- Interest free credit period ranges from 25 to 55 days (for BizBlack Metal Card, BizPower, BizGrow, BizFirst, GIGA, Micro Enterprise Card).
- Not applicable if previous month's balance not cleared in full or if cash withdrawn from ATM.
VerifiedKey Fact Statement cum Most Important Terms & Conditions (MITC) - English (covers BizPower)30 Jul 2026, 7:10 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 Power Credit Card?
Officially traced: Rs. 2,500.
Key Fact Statement cum Most Important Terms & Conditions (MITC) - English (covers BizPower)What is the joining fee on the Biz Power Credit Card?
Officially traced: Rs. 2,500.
Key Fact Statement cum Most Important Terms & Conditions (MITC) - English (covers BizPower)Is the Biz Power Credit Card annual fee ever waived?
Annual membership fee / renewal charges for next year waived on minimum spend of Rs. 4 Lakh per annum (excludes Cash on Call, Balance Transfer, Cash Withdrawal).
Key Fact Statement cum Most Important Terms & Conditions (MITC) - English (covers BizPower)How does the Biz Power Credit Card earn rewards?
5 Reward Points for every Rs. 200 spent on all spends excluding fuel, wallet, education, rent and EMI categories (Effective 15th May 2026).
harvested from product pageWhat lounge access does the Biz Power Credit Card include?
Domestic (within India): Two complimentary lounge access per quarter on minimum spends of Rs. 75,000 in previous calendar quarter (swipe credit card; April-June'26 spends considered for access from 1st July 2026).
Key Fact Statement cum Most Important Terms & Conditions (MITC) - English (covers BizPower)What welcome benefit does the Biz Power Credit Card offer?
Amazon Prime Annual Membership or Rs. 1,500 Amazon Voucher on making one transaction from eligible categories (Tax - Income Tax or GST from government portals; Travel - Travel or Hotel stay bookings; Ads Spends - Google Ads or Meta Ads).
harvested from product pageWhat are the transfer ratios for Biz Power 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/business-credit-cards/biz-power-credit-card.
VerifiedBiz Power Credit Card product page30 Jul 2026, 7:10 AM ISTHDFC Bank
Verified 2026-07-30 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.