HDFC Bank
HDFC BizPower Credit Card
- Joining feeRs 2,500
- Annual feeRs 2,500
- Reward rateRewards not published
Takes you straight to the application. We earn a commission if you are approved, and you pay nothing extra.
- Joining fee₹2,500
- Annual fee₹2,500
- Fee waiverOn ₹4 lakh spend a year
- Forex markup2%
BizPower is aimed at business owners with larger monthly expenses. It gives 10X reward points on Apple, Flipkart and MakeMyTrip through HDFC SmartBuy, and brand vouchers from MakeMyTrip and Reliance Digital worth Rs 2,000 each quarter you spend Rs 2.5 lakh. On your first transaction you get a one-year Amazon Prime membership and a six-month Biz Prime membership.
The fee is ₹2,500 a year, waived at ₹4 lakh of annual spend. A business spending Rs 2.5 lakh a quarter for the vouchers clears the waiver easily.
It suits business owners who travel, with 2 domestic lounge visits a quarter, 6 international visits a year and a 2% forex markup. The catch is that most of the value depends on high spend and on booking through SmartBuy. Lower spenders will be better off with BizGrow.
Best for: Business owners with high monthly spends, Entrepreneurs who travel, Businesses buying through SmartBuy.
01HDFC BizPower Credit Card Rewards and Benefits
02HDFC BizPower Credit Card Annual Fee and Charges
- Joining fee
- ₹2,500
- Annual fee
- ₹2,500
- Spend-based waiver
- Annual fee waived on ₹4 lakh spend in a year (rent and wallet loads not counted)
- Rewards redemption fee
- Nil
- Forex markup
- 2%
- 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 ₹33,333 or more a month: the ₹2,950 fee is waived
- Spending abroad: 2% markup, most cards add 3.5%
Skip it if…
- you spend less than ₹33,333 a month (₹4,00,000 a year, rent and wallet loads not counted): the ₹2,950 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
04Product Details
- Joining and annual fee: ₹2,500
- Fee waived on ₹4 lakh spend in a year
- 10X reward points on Apple, Flipkart and MakeMyTrip via SmartBuy
- ₹2,000 brand vouchers on ₹2.5 lakh spend each quarter
- 2 domestic lounge visits a quarter and 6 international a year
- Forex markup: 2%
- Amazon Prime for a year and Biz Prime for six months on first transaction
05Pros and Cons
Pros
- Quarterly vouchers reward steady high spend
- Domestic and international lounge access
- Low 2% forex markup
- UPI enabled
Cons
- Best value needs ₹2.5 lakh spend every quarter
- 10X rate is limited to SmartBuy brands
- ₹2,500 fee if spend falls below ₹4 lakh
06How HDFC BizPower 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 |
07HDFC BizPower Credit Card Travel Benefits
Spending abroad carries a 2% forex markup; rewards on it: not stated. See what it costs on your trip
08Cards Similar to HDFC BizPower Credit Card
HDFC BizPower 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 BizPower Credit Card |  HDFC BizFirst Credit Card |  HDFC BizGrow Credit Card |
|---|---|---|---|
| Joining fee | ₹2,500 | ₹500 | ₹500 |
| Annual fee | ₹2,500 | ₹500 | ₹500 |
| Rewards | Rewards not published | Rewards not published | Rewards not published |
| Domestic lounge | Not included | Not included | Not included |
| Forex markup | 2% | 3.5% | 3.5% |
| Type | Business | Business | Business |
09Explore More
Never Miss Your HDFC BizPower Credit Card Bill
The SkyloFin app reads your bank's bill SMS, reminds you before the due date and marks the bill paid when you pay. Free on Android, and your data stays on your phone.
Common Questions
Is the ₹2,500 fee waived?
Yes, once you spend ₹4 lakh in a year. Below that the fee is charged.
How do the quarterly vouchers work?
Spend ₹2.5 lakh in a quarter to earn vouchers from brands like MakeMyTrip and Reliance Digital worth ₹2,000.
How many lounge visits do I get?
2 domestic visits a quarter and 6 international visits a year.
What is the forex markup?
2% on foreign currency spends.
What is the joining fee for the HDFC BizPower Credit Card?
The joining fee is ₹2,500. 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 BizPower Credit Card?
The annual fee is ₹2,500.
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.
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