HDFC Bank

HDFC BizGrow Credit Card

Q: What is the joining fee for the HDFC BizGrow 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 ₹1 lakh spend a year
Forex markup3.5%

BizGrow earns 2 CashPoints per Rs 200 on business spends and 10X, or 20 CashPoints per Rs 200, on select business categories. You get a Rs 250 gift voucher for making one transaction within 30 days. It is UPI enabled and gives up to 55 days of interest-free credit.

The fee is ₹500 a year, waived at ₹1 lakh of annual spend. That is a little over Rs 8,000 a month, which most businesses running expenses through the card will clear.

It suits small businesses and self-employed people who want a separate card for business costs and a credit buffer between paying suppliers and getting paid. The catch is that the headline 10X applies only to select categories, and rewards come as CashPoints, so check their value before relying on them. Forex spends carry a 3.5% markup.

Best for: Small business owners, Self-employed professionals, Businesses that want to separate work and personal spends.

01HDFC BizGrow Credit Card Rewards and Benefits

Rewards rate: Rewards not published
Fee waived on: ₹1 lakh 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 BizGrow Credit Card Annual Fee and Charges

Joining fee: ₹500
Annual fee: ₹500
Spend-based waiver: Annual fee waived on ₹1 lakh 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 ₹8,333 or more a month: the ₹590 fee is waived

Skip it if…

you spend less than ₹8,333 a month (₹1,00,000 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 ₹1 lakh spend in a year
2 CashPoints per ₹200 on business spends
20 CashPoints per ₹200 on select business categories
₹250 gift voucher on one transaction in 30 days
Up to 55 days interest-free credit
UPI enabled

05Pros and Cons

Pros

10X CashPoints on select business categories
Low fee with a reachable waiver
Works on UPI
Long interest-free period

Cons

Base earn rate is low
Rewards are in CashPoints, not direct cash
3.5% forex markup

06How HDFC BizGrow 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 BizGrow 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 BizGrow Credit Card

HDFC BizGrow 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 BizGrow Credit Card	HDFC BizFirst 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 BizFirst 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 ₹1 lakh in a year. Below that the fee is charged.

How many CashPoints do I earn?

2 per ₹200 on business spends and 20 per ₹200 on select business categories.

Is there a welcome benefit?

A ₹250 gift voucher when you make one transaction within 30 days.

What is the joining fee for the HDFC BizGrow 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 BizGrow 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 BizGrow Credit CardJoining fee: ₹500