HDFC Bank BizFirst Credit Card

Joining fee

₹500 + GST

Renewal fee

₹500 + GST

Fee waiver rule

Spend ₹50,000 in an anniversary year (12 billing cycles) and get renewal fee waived for next renewal year.

Add-on card fee

₹0

Welcome benefit

Gift voucher worth ₹250 on making one transaction within the first 37 days of card issuance

Reward rate

1% cashback · everyday spends1% CashPoints on all other spends including UPI spends

EMI spend earning

3% CashPoints on EMI Spends (Earn Maximum 1,000 CashPoints/Calendar month)

Government spend earning

Government transactions earn Reward Points/CashPoints.

Online earning

Up to 5% CashBack on travel/online shopping on SmartBuy

Rent earning

Rent payments will not earn Reward Points /CashPoints.

Utilities earning

2% CashPoints on Utility bills, Electronics, SmartPay & Payzapp transactions (Earn Maximum 500 CashPoints/Calendar month)

Reward exclusions

Education related transactions will not earn Reward Points/CashPoints on BizFirst.

Reward caps

Maximum 15,000 CashPoints can be earned in a statement cycle

What one reward unit is worth

1 Cashpoint = ₹0.10 as cashback against statement; up to ₹0.15 on SmartBuy (Flights/Hotel booking); up to ₹0.20 against Business Catalogue

Catalogue redemption

Product Catalogue via Netbanking & SmartBuy: up to ₹0.15; Business Catalogue via Netbanking & SmartBuy: up to ₹0.20

Flight redemption

Flights and Hotels redemption: redeem up to a maximum of 50% of the booking value through CashPoints; the rest is paid via the Credit Card limit

Hotel redemption

Up to 70% of booking value redeemable through Reward Points/CashPoints for flight and hotel bookings

Redeeming points for travel

Redeem on SmartBuy (against Flights/Hotel booking) Up to ₹0.15

Statement-credit redemption

10 paise per point for Biz First cards.

Voucher and product redemption

Redeem up to 70% of product/Voucher value through CashPoints on select vouchers/products and pay the remaining amount via Credit card

Point expiry

Cash Points are valid only for 2 years from the date of accumulation

Smallest number of points that can be redeemed

A minimum of 2500 CP is needed to redeem CashPoints against statement balance

Hotel or travel programme

MMT MyBiz 4% off on Flights and Hotels booking.

Dining programme

Get up to 20% savings on all your restaurant bill payments with Swiggy Dineout on paying via Swiggy App using your card (20k + restaurants)

Milestone benefits

2000 CashPoints every quarter on your quarterly spends of ₹75,000 & above.

Domestic lounge access

Not offered — BizFirst not listed among cards that can avail lounge access by swiping credit card at lounge terminal

Fuel surcharge waiver

1% Fuel Surcharge Waiver

Surcharge on railway tickets

Railway Ticket Purchase Fee: 1% + GST

Insurance benefit

Business Insurance package starting at an annual premium of ₹3,785.

Lost card liability

The cardmember is wholly liable for all transactions prior to reporting the loss of the card; after the bank receives proper notification of the loss, the cardmember's subsequent liability is zero.

Balance transfer terms

1% of BT amount or ₹250, whichever is higher.

Purchase to EMI conversion

Option to convert your big spends into EMI after purchase.

Forex markup

3.5% on foreign currency transactions.3.50% of transaction value

Dynamic currency conversion markup

With effect from 15th May 2026, a Markup fee of 1 .75 % will be levied on all transactions carried out in Indian Currency at an international location or at merchants which are located in India but registered overseas

Cash advance fee

Transaction fee of 2.5% or ₹500 whichever is higher would be levied on the amount withdrawn.

Cash advance interest

3.75% Monthly, 45.0% Annually (excluding GST)

Cash withdrawal limit

Cash withdrawal limit: 40% of the Credit Limit.

Interest on unpaid balance

3.75% per month (i.e., 45% per annum)

Interest-free period

Interest free credit period ranges from 25 to 55 days

Late payment fee

₹100 or less: Nil; ₹101 to ₹500: ₹100; ₹501 to ₹1,000: ₹500; ₹1,001 to ₹5,000: ₹600; ₹5,001 to ₹10,000: ₹750; ₹10,001 to ₹25,000: ₹900; ₹25,001 to ₹50,000: ₹1,100; more than ₹50,000: ₹1,300 (excl. GST)

Over-limit fee

Over-limit charge of 2.5% of the overlimit amount, subject to a minimum of ₹550, applicable on total outstanding exceeding the credit limit, basis explicit consent

Payment return or dishonour fee

2% of Payment amount subject to minimum of ₹450 (applicable for cheque payment return or unsuccessful payment attempt through Autopay facility)

Statement or duplicate statement fee

Duplicate physical statement charges: ₹10 per duplicate physical statement.

Card replacement fee

₹199 for non-metal cards; ₹3,500 for metal cards.

Cash payment / cash deposit fee

Cash Processing Fee: ₹100 (for all card payments made by depositing in HDFC Bank branches or ATMs)

Education / school fee charge

1% fee on Education transactions done through third party applications like (but not limited to) CRED, Nobroker, Cheq etc.; fee capped at ₹4999 per transaction. Education transactions done directly through college / school websites or through POS machines at their premises will not be charged; international Education transactions will not be charged.

EMI conversion fee

Smart EMI processing fee upto ₹849 (exclusive of GST for all loan amounts), depending on the customer’s eligibility/offer details; EasyEMI processing fee: an EMI processing fee of upto ₹299 for customers availing EMI facility at merchant

Fee on online skill-based gaming spends

1% fee on Online Skill based gaming spends exceeding ₹10,000 in a calendar month, applied on the total Online skill-based gaming spends in a calendar month; fee capped at ₹4999 per month.

Foreign ATM fee

Cash from ATMs in India or abroad: transaction fee of 2.5% or ₹500, whichever is higher, levied on the amount withdrawn and billed in the next statement.

Reward redemption fee

₹99 + GST per catalogue redemption request

Wallet load charge

From 1st July 2025, 1% fee on wallet loading spends (excl PayZapp) exceeding ₹10,000 in a calendar month; fee applied on the total wallet loading spends in the calendar month; fee capped at ₹4999 per month

What the card's fee or benefit year means

The first year joining fee is charged after 120 days of card issuance.

Fuel transaction fee

1% fee on fuel transactions exceeding ₹15,000 for consumer cards (₹30,000 for business cards), applied on the total transacted amount; fee capped at ₹4999 per transaction.

Rent transaction fee

1% fee on transaction amount on rental transactions done on any applicable merchant for the month; fee capped at ₹4999 per transaction.

Utility transaction fee

1% fee on utility spends exceeding ₹50,000 per calendar month for consumer cards (₹75,000 per calendar month for business cards), applied on the total utility spends in a calendar month; fee capped at ₹4999 per month.

GST note

GST @ 18% applicable on interest and late payment charges

Minimum amount due

MAD (WEF June’25) = Total GST + EMI amount + 100% of Fees/Charges + Overlimit Amount (if any) + 5% of (Finance Charge + Retail Spends + Cash Advance) when that 5% is higher than the Finance Charge; otherwise 100% of Finance Charges + 5% of (Retail Spends + Cash Advance)

Income requirement

Annual ITR above ₹6 Lakhs.

Minimum age

Aged between 21 yrs. to 65 Yrs.

Documents required

Income Tax Return (ITR), GST Returns

Residency

Self-employed Indian citizens aged 21 to 65 years with an annual ITR above ₹6 lakh are eligible to apply.