HDFC Bank BizGrow Credit Card

Joining fee

₹500 + GST

Renewal fee

₹500 + GST

Fee waiver rule

Spend ₹1 lakh in an anniversary year (12 billing cycles) and get a 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

2 Cash Points per ₹200 · everyday spends2 Cash Points on every ₹200 spent on your business needs.

Government spend earning

Earns Reward Points on Government transactions.

Groceries earning

10X CashPoints on Dmart; minimum spends ₹10,000 in statement cycle, maximum 1,500 Cash Points per statement cycle

Online earning

5% Casback on Myntra, MakeMyTrip, Apple Imagine Tresor, on SmartBuy (capped at ₹1,000 per month)

Rent earning

Rent payments will not earn Reward Points /CashPoints.

Travel earning

10X CashPoints on Hotel & flight booking on MMT MyBiz powered by SmartBuy BizDeals; minimum spends ₹10,000 in statement cycle, maximum 1,500 Cash Points per statement cycle

Utilities earning

10X Cash Points on bill payments, IT & GST payments, hotel and flight bookings, Business Productivity tools etc.

Reward exclusions

Education transactions do not earn Reward Points.

Reward caps

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

What one reward unit is worth

Cashback against statement ₹0.20 per Cashpoint; up to ₹0.25 on SmartBuy (Flights/Hotel booking); up to ₹0.30 against Business Catalogue

Catalogue redemption

Product Catalogue via Netbanking & SmartBuy: up to ₹0.25; Business Catalogue via Netbanking & SmartBuy: up to ₹0.30

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

For flight and hotel bookings, Credit Card members can redeem up to a maximum of 70% of the booking value through Reward Points /CashPoints.

Redeeming points for travel

Up to ₹0.25 per Cashpoint on SmartBuy (against Flights/Hotel booking)

Statement-credit redemption

Redeem as cashback against statement ₹0.20.

Voucher and product redemption

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

Point expiry

Unredeemed Cash Points expire/lapse after 2 years 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

4% off on flights and hotels with MMT MyBiz.

Dining programme

Pay with your HDFC Bank BizGrow Card and enjoy FLAT 10% EXTRA OFF on dining bills at 35K+ restaurants!

Milestone benefits

2000 CashPoints every quarter on your quarterly spends of ₹1,00,000.

Minimum spend rules

10X Cash Points applicable on minimum spends ₹10,000 in statement cycle

Fuel surcharge waiver

1% fuel surcharge waiver at all fuel stations across India (on minimum transaction of ₹400 and maximum transaction of ₹5000. Max Cashback of ₹250 per statement cycle)

Surcharge on railway tickets

Railway Ticket Purchase Fee: 1% + GST

Credit shield cover

Credit liability cover of ₹3 lakh.

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

HDFC Bank Biz Grow Credit Card comes with an option to convert your big spends into EMI after purchase.

Forex markup

3.5% on foreign currency transactions.3.5% of the 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

₹100 for 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

From 1st July 2025, 1% fee on online skill-based gaming spends exceeding ₹10,000 in a calendar month; fee applied on the total online skill-based gaming spends in the 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

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 will be levied 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)

Age the primary cardholder must be

21 to 65 years

Income requirement

Annual ITR above ₹6 Lakhs.

Income, self-employed

Annual ITR above ₹6 lakh.

Minimum age

Aged between 21 yrs. to 65 Yrs.

Documents required

Income Tax Return (ITR) or GST Returns

Residency

A Self Employed Indian Citizen aged between 21 yrs. to 65 Yrs.