Entry-Level Business Credit Card with 3% CashPoints on Commercial Utilities
Small business proprietors, self-employed professionals, and traders seeking extended working capital cycles and cash savings on GST payments and vendor bills.
₹500
One-time upfront₹500
Waived on ₹50,000 annual spend1 CashPoint per ₹150 spent (~0.17% to 0.33% return)
On eligible spends3.50% + GST
Cross-currency spendsLast verified 3 Oct 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The HDFC Bank BizFirst Credit Card serves as an accessible entry ramp into HDFC's comprehensive business banking ecosystem. Engineered explicitly for micro, small, and medium enterprise (MSME) owners, it solves fundamental working capital friction with an extended interest-free credit cycle of up to 55 days, compared to the standard 45-50 days on consumer cards. Priced at a modest ₹500 plus GST, the card focuses its rewards engine on routine business expenditure: cardholders earn 3% CashPoints on essential business operational spending, including commercial utility bills, government tax/GST payments, telecom services, and business hotel bookings. All other commercial retail purchases earn 1% CashPoints. Accumulated CashPoints can be redeemed against monthly credit card statement balances at 1 CashPoint = ₹0.25, or redeemed against hotel and flight bookings via HDFC SmartBuy at ₹0.30 per point. Cardholders also enjoy a 1% fuel surcharge waiver for transactions between ₹400 and ₹5,000 at petrol stations nationwide, capped at ₹250 per statement cycle. The annual fee is completely waived upon achieving business retail spending of ₹50,000 or more in an anniversary year. For entrepreneurs seeking to streamline business operational expenses and separate company expenditure from personal finances, BizFirst is an economical and dependable choice.
Earn 3% CashPoints on merchant EMI spends for office equipment and hardware, capped at 1,500 CashPoints/cycle.
Earn 2% CashPoints on commercial electricity, telecom, water, internet, and office electronics purchases.
Enjoy up to 55 days of interest-free credit period to manage day-to-day business operational liquidity.
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| EMI, Utility Bills & Electronics | 3% CashPoints on merchant EMI spends; 2% on utility bills, electronics & SmartPay (max 1,500 CashPoints/cycle) | 1,500 CashPoints / statement cycle | Standard terms apply |
| General Spends | 1 CashPoint per ₹150 spent on all other retail transactions (~0.17% base return; 1 CP = ₹0.25) | No Cap | Standard terms apply |
Calculate estimated net cashback and points across your actual spending pattern.
Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
| Category / Reward Bucket | Monthly Spend | Rate | Effective Rate | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| EMI, Utility Bills & Electronics | ₹12,000 | 3% CashPoints on merchant EMI spends; 2% on utility bills, electronics & SmartPay (max 1,500 CashPoints/cycle) | — | ₹1,500/statement_cycle | Calculating... | Under cap |
| General Spends | ₹18,000 | 1 CashPoint per ₹150 spent on all other retail transactions (~0.17% base return; 1 CP = ₹0.25) | — | None | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return-₹500
Standard renewal+₹0 / yr
Rewards - FeeBonus vouchers and annual fee waiver milestones unlocked as your total spend increases
Spend ₹50,000 or more in an anniversary year to receive a full waiver of the ₹500 annual renewal fee.
*Milestone spend calculation is tracked across eligible retail purchases within each specified billing or calendar period. Excludes cash advances, wallet loads, and EMI conversions.
Domestic and international lounge privileges, spend hurdles, and participating terminals
This card is tailored primarily for shopping rewards, cashback, or specific co-branded spend and does not include complimentary airport lounge visits.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
• Joining Fee: ₹500 + GST; Annual Renewal Fee: ₹500 + GST. • Annual Fee Waiver: Spend ₹50,000 or more in an anniversary year to waive the ₹500 annual renewal fee. • Working Capital Buffer: Up to 55 days of interest-free credit period on business and commercial purchases. • Rewards Structure: 3% CashPoints on business essentials (utility bills, GST payments, telecom, hotel bookings); 1% on general spends. • Point Valuation: 1 CashPoint = ₹0.25 for statement credit adjustment or ₹0.30 for business travel bookings on SmartBuy. • Fuel Surcharge: 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 (maximum waiver of ₹250 per billing cycle). • Exclusions: Cash advances, wallet loads, rent payments, and personal EMI transactions do not earn reward points.
Evaluate whether this card's perks and waiver threshold justify its ₹500 renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Eligibility criteria not specified
Verified eligibility criteria are not currently available for this card. Check the issuer's latest terms before applying.
Common questions regarding HDFC Bank BizFirst Credit Card application, fees, reward redemption, and eligibility
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Direct online application on the official HDFC Bank portal with paperless verification.
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