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HDFC BizFirst vs BizPower 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 BizFirst Credit Card versus HDFC BizPower Credit Card compared
FeatureHDFC BizFirst Credit CardHDFC BizFirst Credit CardHDFC Bank
HDFC BizPower Credit CardHDFC BizPower 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 500Rs 2,500
Annual feeRs 500Rs 2,500
Fee waived at₹50,000₹4,00,000
Forex and international
Forex markup3.5%2%
ApplyApply NowApply Now

Best For

HDFC BizFirst Credit Card
  • Small business owners
  • Freelancers and the self-employed
  • Businesses paying suppliers on UPI
HDFC BizPower Credit Card
  • Business owners with high monthly spends
  • Entrepreneurs who travel
  • Businesses buying through SmartBuy

Watch-Outs

HDFC BizFirst Credit Card
  • Rewards are in CashPoints, not direct cash
  • 3.5% forex markup
  • No lounge or travel benefits
HDFC BizPower Credit Card
  • Best value needs Rs 2.5 lakh spend every quarter
  • 10X rate is limited to SmartBuy brands
  • ₹2,500 fee if spend falls below Rs 4 lakh

Questions People Ask

Which has the lower annual fee, HDFC BizFirst Credit Card or HDFC BizPower Credit Card?

HDFC BizFirst Credit Card. HDFC BizFirst Credit Card: ₹500; HDFC BizPower Credit Card: ₹2,500. Check whether a spend-based waiver applies before you decide.

Which is better for spending abroad?

HDFC BizPower Credit Card has the lowest forex markup. HDFC BizPower Credit Card: 2%; HDFC BizFirst 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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