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HDFC BizBlack vs BizGrow Credit Card Compared

Which credit card suits you? Side by side on the numbers that decide it. A blank means the provider has not published that figure, not that it is zero.

HDFC BizBlack Credit Card versus HDFC BizGrow Credit Card compared
FeatureHDFC BizBlack Credit CardHDFC BizBlack Credit CardHDFC Bank
HDFC BizGrow Credit CardHDFC BizGrow Credit CardHDFC Bank
Rewards by spend
RewardssameRewards not publishedRewards not published
UPI payments (scan and pay)sameEarns nothingEarns nothing
Online shoppingsameNot statedNot stated
Dining and food deliverysameNot statedNot stated
GroceriessameNot statedNot stated
Travel: flights, hotels, trainssameNot statedNot stated
FuelsameNot statedNot stated
Bills and rechargessameNot statedNot stated
RentsameNot statedNot stated
Insurance premiumssameNot statedNot stated
School and college feessameNot statedNot stated
Wallet top-upssameNot statedNot stated
Taxes and government paymentssameNot statedNot stated
Spend abroad or in a foreign currencysameNot statedNot stated
Everything elsesameNot statedNot stated
Card identity
Card typesameBusinessBusiness
Fees
Joining feeRs 10,000Rs 500
Annual feeRs 10,000Rs 500
Fee waived at₹7,50,000₹1,00,000
Forex and international
Forex markup2%3.5%
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Best For

HDFC BizBlack Credit Card
  • Business owners with high monthly spends
  • Frequent business travellers
  • Golfers
  • Founders who want premium perks on company spends
HDFC BizGrow Credit Card
  • Small business owners
  • Self-employed professionals
  • Businesses that want to separate work and personal spends

Watch-Outs

HDFC BizBlack Credit Card
  • ₹10,000 fee is steep if spends are low
  • Fee waiver needs Rs 7.5 lakh spend a year
  • Accelerated points only on select business categories
HDFC BizGrow Credit Card
  • Base earn rate is low
  • Rewards are in CashPoints, not direct cash
  • 3.5% forex markup

Questions People Ask

Which has the lower annual fee, HDFC BizBlack Credit Card or HDFC BizGrow Credit Card?

HDFC BizGrow Credit Card. HDFC BizGrow Credit Card: ₹500; HDFC BizBlack Credit Card: ₹10,000. Check whether a spend-based waiver applies before you decide.

Which is better for spending abroad?

HDFC BizBlack Credit Card has the lowest forex markup. HDFC BizBlack Credit Card: 2%; HDFC BizGrow Credit Card: 3.5%. The markup is charged on every foreign-currency transaction, before GST.

Can I hold more than one of these cards?

Usually yes, if each bank approves you. Many people keep one card for everyday spending and another for a specific use such as travel. Each application is a separate credit check.

Work Out the Numbers

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