HDFC Biz First Credit Card: Benefits, Eligibility, and Fees

The HDFC Biz First Credit Card is designed to power the everyday needs of growing businesses while maximising savings effortlessly. Packed with rewards, smart features, and flexibility, this card can help you save up to ₹10,555 annually through accelerated CashPoints and valuable partner benefits.

Whether you want to reduce monthly expenses, redeem points for flights or hotel stays, or simply streamline business payments, this card offers a practical advantage for entrepreneurs and professionals alike. 

Explore the key benefits and fees of the HDFC Biz First Credit Card below to decide if it’s the right financial tool for your business.

Biz First Credit Card Benefits

You can earn a 3% CashPoint on EMI spends up to 1,000 CashPoints per month. The other benefits are as follows:

• You can get a 2% CashPoint on Smartpay, utility bills, PayZapp and electronics transactions of up to 500 CashPoints per month.
• The card offers 1% CashPoints on all other categories, including UPI transactions up to 500 CashPoints per month.
• You can save 40% on business travel and the purchase of software using the SmartBuy portal.
• The card offers a 4% off on hotel and flight bookings with discounted fares and low cancellation charges.
• You can get 10% off on dining bills across over 35,000 partnered restaurants.
• The card offers instant discounts for business software purchases like Google Workspace, Tally Prime, Microsoft Azure, AWS and others.
• You can present the GST invoice to get input tax credit with your card.
• As a cardholder, you can get a 1% fuel surcharge waiver.
• If you use Swiggy Dineout, you can get a 20% discount when you pay with the card.
• In case you use SmartBuy with this card, you can get a Cashback of up to ₹1,800 in the first year with an additional e-voucher of ₹800 for adding more than 1 bill.
• You can get a credit liability of ₹3 lakh with the card.

Biz First Credit Card Charges

HDFC Biz First Credit Card attracts a joining and renewal fee of ₹500 each in addition to applicable Goods and Services Tax (GST). However, if you spend at least ₹50,000 in the previous year, your renewal fee gets waived off. 

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Eligibility Criteria for Biz First Credit Card

If you are a self-employed Indian citizen with an annual Income Tax Return (ITR) of at least ₹6 lakh, you can apply for the HDFC Biz First Credit Card. HDFC Bank accepts applications with GST returns, bank statements, ITR and merchant payment reports. 

Business Insurance Benefit on Biz First Credit Card

Biz First Credit Card by HDFC Bank offers business insurance covers with a premium starting from ₹3,785. Here are the details of insurance cover and the premium you need to pay:

CashPoint Redemption for Biz First Credit Card

The CashPoint redemption value on this card varies between ₹0.15 and ₹0.20 for each CashPoint. Here is the breakup for CashPoint redemption:

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Process to Link UPI and Biz First Credit Card

To link your HDFC Biz First Credit Card to UPI apps like PhonePe, BHIM, PayZapp, and others, you need to download and register the app. Once you complete registration, you need to open the card and add your Biz First Credit Card by HDFC Bank to make UPI transactions. 

💡You can additionally add your Biz First Credit Card to the Pice app to get credit card bill payment reminders. Further, you can pay your credit card bill directly from the Pice app without any hassle.

Conclusion

The Biz First credit card is a powerful financial tool for entrepreneurs seeking rewards, savings, and streamlined payments. With accelerated CashPoints, partner discounts, flexible UPI payments, and business-focused benefits, it helps reduce operational costs while enhancing convenience. Its low fees and strong value proposition make it ideal for growing businesses.

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