Growth-Focused Business Credit Card with 10X CashPoints & Airport Lounge Visits
Growing MSME owners, startup founders, and commercial executives with substantial recurring operational and travel expenses.
₹500
One-time upfront₹500
Waived on ₹1 lakh annual spend2 CashPoints per Rs 150 spent on eligible retail spends
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 BizGrow Credit Card is built to support growing commercial enterprises that require both spending acceleration and executive travel comfort. Priced at an affordable ₹500 plus GST, it bridges the gap between basic commercial utility cards and high-fee executive corporate cards. Cardholders earn 2 CashPoints per ₹150 spent on general commercial retail transactions. For growth-centric categories—such as business software subscriptions, digital advertising, online business flight bookings via SmartBuy, and statutory tax payments—the card delivers accelerated 10X CashPoints (amounting to 20 CashPoints per ₹150, or up to 3.3% value back). Cardholders can deploy accumulated CashPoints against statement credit balance or book company travel on SmartBuy. On business travel, BizGrow provides 1 complimentary domestic airport lounge visit per calendar quarter upon spending ₹50,000 in the preceding calendar quarter, allowing proprietors to travel smoothly across India. It also provides up to 55 days of interest-free credit and a 1% fuel surcharge waiver up to ₹250 per month. The annual fee is reversed upon achieving ₹1,00,000 in annual retail spending. For expanding companies with monthly operational budgets between ₹25,000 and ₹1,00,000, BizGrow delivers high productivity returns.
Get a gift voucher worth Rs 250 redeemable on top brands on activating the BizGrow card with one eligible transaction within 37 days of issuance. Source: PDF Q1.
1% fuel surcharge waiver on fuel transactions between Rs 400 and Rs 5,000. Maximum cashback of Rs 250 per statement cycle. Source: PDF Q1.
Flat 10% extra off on dining bills at 35,000+ restaurants when paying with HDFC Bank BizGrow Card via Swiggy Dineout. Source: PDF Q2.
Get up to 10% cashback on travel and online shopping via SmartBuy (https://offers.smartbuy.hdfcbank.com/). Terms and caps apply. Source: PDF Q2.
Up to 40% discounts on business software including Tally, Office 365, AWS, Google Workspace, Credflow, and more via SmartBuy Biz Deals (Nuclei). Up to 3% off on domestic flights and 4% off on hotel bookings via MMT MyBiz. Source: PDF Q2, Q13.
Automate utility bill payments via SmartPay. Assured cashback up to Rs 1,800 in first year plus e-vouchers up to Rs 800 for adding 2+ bills. Source: PDF Q2.
Optional business insurance package at Rs 3,785 annual premium (incl. GST). Covers: Fire & burglary for shop (up to Rs 5 lakh); cash in safe/transit (up to Rs 25,000); electronic equipment (up to Rs 50,000 excl. terrorism); hospital cash for accident/illness (Rs 1,000/day, 30 days). Higher cover plans available at discounted premiums. Source: PDF Q5.
As per eligibility: Insta Loan (within credit card limit) and Jumbo Loan (over and above credit card limit) available for business needs. Source: PDF Q3.
Zero liability on fraudulent transactions made after immediate reporting of card loss. Credit liability cover: Rs 3 lakh. Source: PDF Q4.
Get up to 55 days interest-free credit on business purchases. Source: PDF Q1.
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| All Eligible Retail Spends (Base Rate) | 2 CashPoints per Rs 150 (approx. 0.33% return at 1 CP = Rs 0.25) | No Cap | Standard terms apply |
| Business Spends: Utility Bills (PayZapp & SmartPay) | 10X CashPoints on utility bills via PayZapp/SmartPay (requires >Rs 10K monthly spend; shared 1,500 CP/cycle cap across accelerated categories). | 1,500 CashPoints / statement cycle | Standard terms apply |
| Business Spends: Income Tax Payments | 10X CashPoints on Income Tax payments via incometax.gov.in (requires >Rs 10,000 monthly spend; capped at 1,500 CP/cycle shared) | 1,500 CashPoints / statement cycle | Standard terms apply |
| Business Spends: GST Payments | 10X CashPoints on GST payments via the official GST Portal (requires >Rs 10,000 monthly spend; capped at 1,500 CP/cycle shared) | 1,500 CashPoints / statement cycle | Standard terms apply |
| Business Spends: Dmart | 10X CashPoints on Dmart purchases (requires >Rs 10,000 monthly spend; capped at 1,500 CP/cycle shared) | 1,500 CashPoints / statement cycle | Standard terms apply |
| Business Spends: Cleartax | 10X CashPoints on Cleartax (requires >Rs 10,000 monthly spend; capped at 1,500 CP/cycle shared) | 1,500 CashPoints / statement cycle | Standard terms apply |
| Business Spends: Productivity Tools (Nuclei/SmartBuy Biz Deals) | 10X CashPoints on business software (Tally, AWS, M365, Google Workspace) via SmartBuy Biz Deals. Requires >Rs 10K monthly spend; shared 1,500 CP/cycle cap. | 1,500 CashPoints / statement cycle | Standard terms apply |
| Business Spends: Flights & Hotels (MMT MyBiz via SmartBuy Biz Deals) | 10X CashPoints on flights & hotels via MMT MyBiz on SmartBuy Biz Deals (requires >Rs 10K monthly spend; shared 1,500 CP/cycle cap). | 1,500 CashPoints / statement cycle | 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 |
|---|---|---|---|---|---|---|
| All Eligible Retail Spends (Base Rate) | ₹16,000 | 2 CashPoints per Rs 150 (approx. 0.33% return at 1 CP = Rs 0.25) | — | None | Calculating... | Under cap |
| Business Spends: Utility Bills (PayZapp & SmartPay) | ₹2,000 | 10X CashPoints on utility bills via PayZapp/SmartPay (requires >Rs 10K monthly spend; shared 1,500 CP/cycle cap across accelerated categories). | — | ₹1,500/statement_cycle | Calculating... | Under cap |
| Business Spends: Income Tax Payments | ₹2,000 | 10X CashPoints on Income Tax payments via incometax.gov.in (requires >Rs 10,000 monthly spend; capped at 1,500 CP/cycle shared) | — | ₹1,500/statement_cycle | Calculating... | Under cap |
| Business Spends: GST Payments | ₹2,000 | 10X CashPoints on GST payments via the official GST Portal (requires >Rs 10,000 monthly spend; capped at 1,500 CP/cycle shared) | — | ₹1,500/statement_cycle | Calculating... | Under cap |
| Business Spends: Dmart | ₹2,000 | 10X CashPoints on Dmart purchases (requires >Rs 10,000 monthly spend; capped at 1,500 CP/cycle shared) | — | ₹1,500/statement_cycle | Calculating... | Under cap |
| Business Spends: Cleartax | ₹2,000 | 10X CashPoints on Cleartax (requires >Rs 10,000 monthly spend; capped at 1,500 CP/cycle shared) | — | ₹1,500/statement_cycle | Calculating... | Under cap |
| Business Spends: Productivity Tools (Nuclei/SmartBuy Biz Deals) | ₹2,000 | 10X CashPoints on business software (Tally, AWS, M365, Google Workspace) via SmartBuy Biz Deals. Requires >Rs 10K monthly spend; shared 1,500 CP/cycle cap. | — | ₹1,500/statement_cycle | Calculating... | Under cap |
| Business Spends: Flights & Hotels (MMT MyBiz via SmartBuy Biz Deals) | ₹2,000 | 10X CashPoints on flights & hotels via MMT MyBiz on SmartBuy Biz Deals (requires >Rs 10K monthly spend; shared 1,500 CP/cycle cap). | — | ₹1,500/statement_cycle | 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
Earn 2,000 bonus CashPoints (worth up to Rs 500 against statement balance at 1 CP = Rs 0.25) on quarterly spends of Rs 1 lakh. Source: PDF Q12 & Q26.
Renewal fee of Rs 500 + GST waived for the next year when total spend exceeds Rs 1 lakh in the preceding anniversary year (12 billing cycles). Source: PDF Q7.
*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 ₹1,00,000 or more in an anniversary year to waive the ₹500 annual renewal fee. • Extended Credit: Up to 55 days of interest-free credit on business procurement and commercial transactions. • Rewards Structure: 10X CashPoints on business essentials (vendor payouts, software, travel); 2 CashPoints per ₹150 on retail. • Airport Lounge Access: 1 complimentary domestic airport lounge visit per quarter on spending ₹50,000 in previous quarter. • Point Valuation: 1 CashPoint = ₹0.25 on statement cash credit or ₹0.30 on SmartBuy corporate travel bookings. • Fuel Surcharge: 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 (maximum waiver of ₹250 per statement cycle).
Evaluate whether this card's perks and waiver threshold justify its ₹500 renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Common questions regarding HDFC Bank BizGrow 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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Best for: Small business proprietors, self-employed professionals, and traders seeking extended working capital cycles and cash savings on GST payments and vendor bills.
Rewards: 1 CashPoint per ₹150 spent (~0.17% to 0.33% return)
Renewal fee waived on ₹50,000 annual spend
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Best for: Urban professionals, frequent leisure flyers, and premium dining enthusiasts seeking global lounge access and accelerated rewards across flight and hotel bookings.
Rewards: 4 Reward Points per ₹150 spent
Lounge access: 8 Domestic & International visits/year · ₹60k quarterly spend required
Forex markup: 2% Low Forex
Renewal fee waived on ₹3,00,000 annual spend
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