HDFC Bank BizPower Credit Card

Renewal feeJoining fee

₹2,500 + GST

Fee waiver rule

Spend ₹4 lakh in 12 billing cycles in your anniversary year and enjoy a waiver on the renewal fee for the next year

Add-on card fee

₹0

Welcome benefit

Amazon Prime Annual Membership and Biz Prime 6 months subscription on one online transaction within the first 30 days

Reward rate

5 Reward Points per ₹200 · everyday spends5 Reward Points for every ₹200 spent.

Fuel earning

Reward Points will not be accrued on fuel transactions.

Government spend earning

Earns Reward Points on Government transactions.

Rent earning

Rent payments will not earn Reward Points /CashPoints.

Travel earning

5X Reward Points (i.e., 25 RP/₹200) on Hotel & flight booking on MMT MyBiz powered by SmartBuy BizDeals.

Utilities earning

5X Reward Points (i.e., 25 RP/₹200) on Bill payments via SmartPay & PayZapp.

Reward exclusions

Excluding fuel, wallet, education, rent and EMI categories

Reward caps

Accelerated RP on Business Essential spends is capped at 7,500 RP per statement cycle.

Flight redemption

Credit Card members can redeem up to a maximum of 70% of the booking value through Reward Points /CashPoints

Points transfer redemption

Airmiles conversion via Netbanking, at a value of 1 Reward Points = ₹0.5 airmiles.

Statement-credit redemption

15 paise per point for Biz Power cards.

Point expiry

Reward Points /CashPoints 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 Reward points against statement balance

What one reward unit is worth

1 Reward Point = Up to ₹0.65

International lounge access

6 international lounge accesses

Domestic lounge access

2 domestic airport lounge visits per calendar quarter on spending ₹75,000 in the previous calendar quarter.

Lounge benefit

Domestic & International Airport Lounge access.

Priority Pass

Complimentary Priority Pass membership for Primary and Add - on card holders is offered if customer requests for the same via phone banking.

Hotel or travel programme

1 Zero Cancellation flight Voucher (Make My Trip) per calendar quarter on spending ₹75,000 in the previous calendar quarter.

Dining programme

10% extra off on dining bills at 35K+ restaurants.

Milestone benefits

Voucher worth ₹5,000 (MakeMyTrip/Reliance Digital) on Quarterly spends of ₹2.5 Lakhs (excluding fuel, IT, GST, and EMI transactions) & above per calendar quarter

Minimum spend rules

Earn 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

Fuel surcharge waiver

1% fuel surcharge waiver on minimum transaction of ₹400 & maximum transaction of ₹5000. Maximum waiver of ₹500 per statement cycle

Surcharge on railway tickets

1% of transaction amount + GST on railway ticket purchases

Insurance benefit

Business Insurance package 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

Convert large purchases on your HDFC Bank credit card into SmartEMI after the purchase.

Forex markup

2% on foreign currency transactions.2% foreign currency markup fee

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

₹500 or 2.5% of the withdrawal amount, whichever is higher.

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 all card payments made by depositing in HDFC Bank branches or ATMs.

Charge for lounge visits beyond the free limit

Visits exceeding complimentary limit charged at prevailing lounge rate inclusive of taxes

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); fee applied on the total utility spends in the calendar month; fee capped at ₹4999 per month.

GST note

GST applicable on all Fees, Interest, and other 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, self-employed

Annual ITR above ₹12 Lakhs.

Minimum age

Aged between 21 yrs to 65 Yrs.

Documents required

Income Tax Return (ITR); GST Returns

Residency

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