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HDFC BizGrow vs BizFirst 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 BizGrow Credit Card versus HDFC BizFirst Credit Card compared
FeatureHDFC BizGrow Credit CardHDFC BizGrow Credit CardHDFC Bank
HDFC BizFirst Credit CardHDFC BizFirst 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 feesameRs 500Rs 500
Annual feesameRs 500Rs 500
Fee waived at₹1,00,000₹50,000
Forex and international
Forex markupsame3.5%3.5%
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Best For

HDFC BizGrow Credit Card
  • Small business owners
  • Self-employed professionals
  • Businesses that want to separate work and personal spends
HDFC BizFirst Credit Card
  • Small business owners
  • Freelancers and the self-employed
  • Businesses paying suppliers on UPI

Watch-Outs

HDFC BizGrow Credit Card
  • Base earn rate is low
  • Rewards are in CashPoints, not direct cash
  • 3.5% forex markup
HDFC BizFirst Credit Card
  • Rewards are in CashPoints, not direct cash
  • 3.5% forex markup
  • No lounge or travel benefits

Questions People Ask

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

They charge the same annual fee. HDFC BizGrow Credit Card: ₹500; HDFC BizFirst Credit Card: ₹500.

Which is better for spending abroad?

HDFC BizGrow Credit Card has the lowest forex markup. HDFC BizGrow Credit Card: 3.5%; 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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