The HDFC BizFirst Credit Card is tailored for business professionals, offering exceptional value at a minimal fee. Get started with a ₹250 welcome voucher, and enjoy rewarding benefits like 3% cashback on EMI spends, 2% on utility payments, and 1% on retail purchases. Integrated with the RuPay platform, this card links easily to payment apps such as PhonePe, Paytm, and Google Pay, allowing for smooth UPI transactions directly from your credit card while earning 1% cashback on UPI payments. Additionally, a fuel surcharge waiver enhances its convenience, making it a smart choice for everyday business expenses.
HDFC BizFirst Card Overview
| Category | Details |
|---|---|
|
Type of Card |
Entry Level Card |
|
Annual Fee |
₹500+ GST |
|
Reward Rate |
1%-3% |
|
USP |
3% CashbackPoints on EMI transactions |
|
Best Use For |
Transactions related to business activities |
Joining & Renewal Fees
| Category | Details |
|---|---|
|
Joining Fee |
₹500+ GST |
|
Joining Benefit |
Earn a ₹250 gift voucher simply by making a transaction with your Biz First Credit Card. |
|
Welcome Benefit Criteria |
Make the payment of membership Fees. |
|
Renewal Fees |
₹500+ GST |
|
Renewal Benefit |
This card does not provide any renewal benefits |
|
Renewal Waiver |
Get renewal membership fee waived off by spending ₹50,000 and above in an annual year |
Cashback Points Earning Potential
Cashback Redemption
This card offers various redemption value at different segments.
| Type | Value of 1 cashback point |
|---|---|
|
Product Catalogue |
upto 0.15 |
|
Unified SmartBuy (Flights/Hotels) |
0.15 |
|
Cashback |
0.15 |
|
Redeem against Business Catalogue |
0.15 Airmiles |
Milestone Benefit
Receive 2,000 CashPoints each quarter when you spend ₹75,000 or more, covering all retail purchases except rent and fuel expenses.
Design & Appearance
The HDFC BizFirst Credit Card combines style with substance, featuring a sleek metal design and a refined dark color palette that’s perfect for business professionals. Its minimalist look adds a touch of sophistication, while practical features like contactless payments make every transaction quick and easy. With enhanced security, including zero liability for lost cards, it’s a secure choice tailored for entrepreneurs and small business owners who value both style and functionality.
Foreign Currency Transaction Fee (Forex)
This Credit card charges a 3.5% fee+ G.S.T on foreign currency transactions.
Eligibility and Application
The card is available to individuals with a monthly Salary of ₹ 12,000 and for self-employed, who have an annual income of at least ₹ 6 lakh as per your ITR with good credit score.
Fuel Surcharge Waiver
The card provides a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 maximum waiver amount is capped at ₹250 per statement cycle.
Add-On Cards
The BizFirst Credit Card allows cardholders to avail add-on cards. These add-on cards share the same benefits as the primary card, making it easier for family members to enjoy the perks.
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Frequently Asked Questions
Get a Gift voucher worth Rs.250 on making one transaction on your Biz First Credit card.
Maximize your EMI transactions to enjoy a rewarding 3% cashpoints on your spending.
Rent payments made through this credit card are not eligible for any reward points.
The annual fee is ₹500+ GST.
Conclusion
The HDFC BizFirst Credit Card is an outstanding choice for business professionals and entrepreneurs alike. Its low fees and enticing rewards such as 3% cashback on EMI spends and 2% on utilities help you make the most of your spending and provide valuable benefits like seamless UPI transactions and fuel surcharge waivers. This card is more than just a financial tool; it’s designed to make managing your finances easier and more efficient, offering the convenience and value that busy professionals need to thrive.