The HDFC BizFirst Credit Card is designed for professionals who are into business and offer excellent value at nominal fees. You can get a welcome voucher of ₹250 which also provides cashback such as 1% on retail purchases, 2% on utility payments, and 3% cashback on EMI spends. 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 a perfect option for entrepreneurs as well as business professionals. This card provides minimal fees and exciting rewards such as 2% on utilities and 3% cashback on EMI spending and also provides easy 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.