HDFC Bank

HDFC BizFirst Credit Card

Q: What is the joining fee for the HDFC BizFirst Credit Card?

The joining fee is Rs 500. Check the bank's page before you apply, because fees change and promotional waivers come and go.

Business

Joining feeRs 500
Annual feeRs 500
Reward rateRewards not published

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Joining fee₹500
Annual fee₹500
Fee waiverOn ₹50,000 spend a year
Forex markup3.5%

BizFirst is a card for small business owners and the self-employed. It earns 3% CashPoints on EMI spends, up to 1,000 CashPoints a month, 2% on utility bills, electronics, SmartPay and PayZapp, and 1% on everything else, including UPI payments. Spend Rs 75,000 in a quarter and you get 2,000 bonus CashPoints.

The fee is ₹500 a year, waived at ₹50,000 of annual spend. Any business running its regular expenses through the card should clear that easily.

It suits shop owners and freelancers who want to separate business spends and get up to 55 days of interest-free credit. The catch is that rewards come as CashPoints rather than direct cash, so check the redemption value before counting on the percentages. The 3.5% forex markup also rules it out for foreign spends.

Best for: Small business owners, Freelancers and the self-employed, Businesses paying suppliers on UPI.

01HDFC BizFirst Credit Card Rewards and Benefits

Rewards rate: Rewards not published
Fee waived on: ₹50,000 spend a year
Reward redemption: Not published
Dining: Not stated
Travel: Not stated
Golf: Not included
Domestic lounge: Not included
International lounge: Not included
Insurance benefits: Not included

02HDFC BizFirst Credit Card Annual Fee and Charges

Joining fee: ₹500
Annual fee: ₹500
Spend-based waiver: Annual fee waived on ₹50,000 spend in a year (rent and wallet loads not counted)
Rewards redemption fee: Nil
Forex markup: 3.5%
Interest rate: Not published
Fuel surcharge waiver: No
Card replacement: Not published

03Who It Suits, and Who Should Skip It

The bank has not published enough about this card's rewards or fee for a rupee example.

Good for

Spending ₹4,167 or more a month: the ₹590 fee is waived

Skip it if…

you spend less than ₹4,167 a month (₹50,000 a year, rent and wallet loads not counted): the ₹590 fee is then charged
you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
you spend a lot on online shopping, dining, groceries or travel: the card's terms do not state a rate there, so we count nothing
you often pay in foreign currency: 3.5% is added to every foreign spend

04Product Details

Joining and annual fee: ₹500
Fee waived on ₹50,000 spend in a year
3% CashPoints on EMI spends, up to 1,000 a month
2% on utility bills, electronics, SmartPay and PayZapp
1% on other spends, including UPI
2,000 bonus CashPoints on ₹75,000 quarterly spend
Up to 55 days interest-free credit

05Pros and Cons

Pros

Rewards on UPI payments
Extra CashPoints on utilities and electronics
Quarterly bonus for steady spenders
Low fee that is easy to waive

Cons

Rewards are in CashPoints, not direct cash
3.5% forex markup
No lounge or travel benefits

06How HDFC BizFirst Credit Card earns Rewards

Rewards not published.

Spend category	Rate	Monthly cap	Where it applies
UPI payments (scan and pay)	Earns nothing	-	a Visa or Mastercard card cannot pay by UPI
Online shopping	Not stated	-	the card does not publish its base rate
Dining and food delivery	Not stated	-	the card does not publish its base rate
Groceries	Not stated	-	the card does not publish its base rate
Travel: flights, hotels, trains	Not stated	-	the card does not publish its base rate
Fuel	Not stated	-	the card's exclusions are not published, and many cards pay nothing here
Bills and recharges	Not stated	-	the card's exclusions are not published, and many cards pay nothing here
Rent	Not stated	-	the card's exclusions are not published, and many cards pay nothing here
Insurance premiums	Not stated	-	the card's exclusions are not published, and many cards pay nothing here
School and college fees	Not stated	-	the card's exclusions are not published, and many cards pay nothing here
Wallet top-ups	Not stated	-	the card's exclusions are not published, and many cards pay nothing here
Taxes and government payments	Not stated	-	the card's terms state no rate here; many cards pay nothing on these
Spend abroad or in a foreign currency	Not stated	-	the card does not publish its base rate
Everything else	Not stated	-	the card does not publish its base rate

Listed underBusiness cards

07HDFC BizFirst Credit Card Travel Benefits

Spending abroad carries a 3.5% forex markup; rewards on it: not stated. See what it costs on your trip

08Cards Similar to HDFC BizFirst Credit Card

HDFC BizFirst Credit Card is a business card. The two below are the closest on SkyloFin; open any of them, or put them side by side.

Feature	HDFC BizFirst Credit Card	HDFC BizGrow Credit Card	HDFC BizPower Credit Card
Joining fee	₹500	₹500	₹2,500
Annual fee	₹500	₹500	₹2,500
Rewards	Rewards not published	Rewards not published	Rewards not published
Domestic lounge	Not included	Not included	Not included
Forex markup	3.5%	3.5%	2%
Type	Business	Business	Business

Compare with HDFC BizGrow Credit Card Compare with HDFC BizPower Credit Card

09Explore More

All HDFC Bank productsEvery card, loan and account from HDFC Bank on SkyloFin Business credit cardsEvery business card, compared All credit cardsFilter by issuer, category and fee Rewards calculatorWhat this card would earn on your spending Interest calculatorWhat carrying a balance really costs Track this card in SkyloFin - Expense TrackerStatements and due dates from your bank SMS, on your phone

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Common Questions

Is the ₹500 fee waived?

Yes, once you spend ₹50,000 in a year. Below that the fee is charged.

Do UPI payments earn rewards?

Yes, 1% CashPoints on UPI spends.

How long is the interest-free period?

Up to 55 days, if you pay the full bill by the due date.

What is the joining fee for the HDFC BizFirst Credit Card?

The joining fee is ₹500. Check the bank's page before you apply, because fees change and promotional waivers come and go.

What is the annual fee for the HDFC BizFirst Credit Card?

The annual fee is ₹500.

Does applying through SkyloFin cost more?

No. You pay the same fees you would pay applying directly with HDFC Bank. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.

SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.

HDFC BizFirst Credit CardJoining fee: ₹500