{"id":83024,"date":"2025-12-11T18:21:41","date_gmt":"2025-12-11T12:51:41","guid":{"rendered":"https:\/\/piceapp.com\/blogs\/?p=83024"},"modified":"2025-12-11T18:21:45","modified_gmt":"2025-12-11T12:51:45","slug":"biz-first-credit-card","status":"publish","type":"post","link":"https:\/\/piceapp.com\/blogs\/biz-first-credit-card\/","title":{"rendered":"HDFC Biz First Credit Card: Benefits, Eligibility, and Fees"},"content":{"rendered":"\n<div class=\"wp-block-group has-background\" style=\"background-color:#f2f5f9\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading\">Key Takeaways<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The Biz First credit card offers up to 3% CashPoints on EMI spends and solid rewards across utilities, UPI, and SmartPay.<\/li>\n\n\n\n<li>Users can save significantly on business travel, dining, and software via SmartBuy and partner offers.<\/li>\n\n\n\n<li>Annual savings can reach up to \u20b910,555 through CashPoints and additional benefits.<\/li>\n\n\n\n<li>Joining\/renewal fee is \u20b9500, waived with \u20b950,000 annual spending.<\/li>\n\n\n\n<li>Business insurance add-ons start at \u20b93,785, offering extensive coverage for shops, cash, electronics, and hospital cash.<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<p>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 \u20b910,555 annually through accelerated CashPoints and valuable partner benefits. <\/p>\n\n\n\n<p>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.\u00a0<\/p>\n\n\n\n<p>Explore the key benefits and fees of the HDFC Biz First Credit Card below to decide if it\u2019s the right financial tool for your business.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Biz First Credit Card Benefits<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2025\/12\/Biz-First-1024x683.png\" alt=\"Biz First Credit Card Benefits\" class=\"wp-image-83026\" title=\"\" srcset=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2025\/12\/Biz-First-1024x683.png 1024w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2025\/12\/Biz-First-300x200.png 300w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2025\/12\/Biz-First-150x100.png 150w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2025\/12\/Biz-First-768x512.png 768w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2025\/12\/Biz-First.png 1536w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption><\/figcaption><\/figure>\n\n\n\n<p>You can earn a 3% CashPoint on EMI spends up to 1,000 CashPoints per month. The other benefits are as follows:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You can get a 2% CashPoint on Smartpay, utility bills, PayZapp and electronics transactions of up to 500 CashPoints per month.<\/li>\n\n\n\n<li>The card offers 1% CashPoints on all other categories, including UPI transactions up to 500 CashPoints per month.<\/li>\n\n\n\n<li>You can save 40% on business travel and the purchase of software using the SmartBuy portal.<\/li>\n\n\n\n<li>The card offers a 4% off on hotel and flight bookings with discounted fares and low cancellation charges.<\/li>\n\n\n\n<li>You can get 10% off on dining bills across over 35,000 partnered restaurants.<\/li>\n\n\n\n<li>The card offers instant discounts for business software purchases like Google Workspace, Tally Prime, Microsoft Azure, AWS and others.<\/li>\n\n\n\n<li>You can present the GST invoice to get input tax credit with your card.<\/li>\n\n\n\n<li>As a cardholder, you can get a 1% fuel surcharge waiver.<\/li>\n\n\n\n<li>If you use Swiggy Dineout, you can get a 20% discount when you pay with the card.<\/li>\n\n\n\n<li>In case you use SmartBuy with this card, you can get a Cashback of up to \u20b91,800 in the first year with an additional e-voucher of \u20b9800 for adding more than 1 bill.<\/li>\n\n\n\n<li>You can get a credit liability of \u20b93 lakh with the card.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Biz First Credit Card Charges<\/strong><\/h2>\n\n\n\n<p>HDFC Biz First Credit Card attracts a joining and renewal fee of \u20b9500 each in addition to applicable Goods and Services Tax (GST). However, if you spend at least \u20b950,000 in the previous year, your renewal fee gets waived off.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Eligibility Criteria for Biz First Credit Card<\/strong><\/h2>\n\n\n\n<p>If you are a self-employed Indian citizen with an annual Income Tax Return (ITR) of at least \u20b96 lakh, you can apply for the HDFC Biz First Credit Card. <a href=\"https:\/\/www.hdfc.bank.in\/\" target=\"_blank\" rel=\"noopener\">HDFC Bank<\/a> accepts applications with GST returns, bank statements, ITR and merchant payment reports.\u00a0<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Business Insurance Benefit on Biz First Credit Card<\/strong><\/h2>\n\n\n\n<p>Biz First Credit Card by HDFC Bank offers business insurance covers with a premium starting from \u20b93,785. Here are the details of insurance cover and the premium you need to pay:<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><thead><tr><th><strong>Annual Plan for Business Insurance<\/strong><\/th><th><strong>Plan 1 (\u20b9)<\/strong><\/th><th><strong>Plan 2 (\u20b9)<\/strong><\/th><th><strong>Plan 3 (\u20b9)<\/strong><\/th><th><strong>Plan 4 (\u20b9)<\/strong><\/th><\/tr><tr><th>Fire &amp; Burglary insurance for Shop (excluding theft)<\/th><th>5,00,000<\/th><th>10,00,000<\/th><th>20,00,000<\/th><th>50,00,000<\/th><\/tr><tr><th>Cash in Safe<\/th><th>25,000<\/th><th>50,000<\/th><th>1,00,000<\/th><th>2,50,000<\/th><\/tr><tr><th>Cash in Transit<\/th><th>25,000<\/th><th>50,000<\/th><th>1,00,000<\/th><th>2,50,000<\/th><\/tr><tr><th>Electronic Equipment insurance (excluding terrorism)<\/th><th>50,000<\/th><th>1,00,000<\/th><th>2,00,000<\/th><th>2,50,000<\/th><\/tr><tr><th>Hospital Cash: Accident Only Amount Payable\/ Day(30 Days Cover)<\/th><th>1,000<\/th><th>1,500<\/th><th>2,000<\/th><th>5,000<\/th><\/tr><tr><th>Hospital Cash: Illness Only Amount Payable\/ Day(30 Days Cover)<\/th><th>1,000<\/th><th>1,500<\/th><th>2,000<\/th><th>5,000<\/th><\/tr><tr><th>Total Premium without GST<\/th><th>3,207<\/th><th>6,221<\/th><th>12,442<\/th><th>23,886<\/th><\/tr><tr><th>Total Premium with GST<\/th><th>3,785<\/th><th>7,341<\/th><th>14,681<\/th><th>28,185<\/th><\/tr><\/thead><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>CashPoint Redemption for Biz First Credit Card<\/strong><\/h2>\n\n\n\n<p>The CashPoint redemption value on this card varies between \u20b90.15 and \u20b90.20 for each CashPoint. Here is the breakup for CashPoint redemption:<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><thead><tr><th><strong>Category<\/strong><\/th><th><strong>1 CashPoint Equivalent to&nbsp;<\/strong><\/th><\/tr><tr><th>Redeem as CashBack against the statement<\/th><th><strong>\u20b90.15<\/strong><\/th><\/tr><tr><th>Redeem on SmartBuy (against Flights\/Hotel booking)<\/th><th>\u20b90.15<\/th><\/tr><tr><th>Redeem against Product Catalogue via Netbanking &amp; SmartBuy<\/th><th>Up to \u20b90.15<\/th><\/tr><tr><th>Redeem against the Business Catalogue via Netbanking &amp; SmartBuy<\/th><th>Up to \u20b90.20<\/th><\/tr><\/thead><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Process to Link UPI and Biz First Credit Card<\/strong><\/h2>\n\n\n\n<p>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.&nbsp;<\/p>\n\n\n\n<p>\ud83d\udca1You 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 <a href=\"https:\/\/piceapp.com\/\">Pice app<\/a> without any hassle.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Conclusion<\/h2>\n\n\n\n<p>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.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">FAQs<\/h3>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1765456663147\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">What is the Biz First credit card?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>It is an HDFC business credit card offering CashPoints, travel perks, software discounts, and UPI compatibility for entrepreneurs.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1765456676351\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">How much reward can I earn with the Biz First credit card?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>You can earn up to 3% CashPoints monthly across EMI, utilities, UPI, and SmartPay spends.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1765456688631\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">What is the annual fee for the Biz First credit card?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>The annual fee is \u20b9500, waived if you spend \u20b950,000 in the previous year.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1765456702223\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">How can I redeem CashPoints earned on the Biz First credit card?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>You can redeem them for cashback, travel bookings, or products at \u20b90.15\u2013\u20b90.20 value per point.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1765456716880\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Are there insurance benefits with the Biz First credit card?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Yes, optional business insurance plans start at \u20b93,785 with fire, burglary, cash, electronics, and hospital cash coverage.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Key Takeaways 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 \u20b910,555 annually through accelerated CashPoints and valuable partner benefits. Whether you want to reduce monthly expenses, redeem points [&hellip;]<\/p>\n","protected":false},"author":9,"featured_media":83025,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-83024","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-card"],"_links":{"self":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/83024","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/users\/9"}],"replies":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/comments?post=83024"}],"version-history":[{"count":1,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/83024\/revisions"}],"predecessor-version":[{"id":83027,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/83024\/revisions\/83027"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media\/83025"}],"wp:attachment":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media?parent=83024"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/categories?post=83024"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/tags?post=83024"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}