HDFC Biz First credit card
HDFC Bank
Last updated: Feb 03, 2026
₹500
₹500
2%
No lounge access
Contents
HDFC Biz First is a business-focused credit card that helps small businesses manage regular spends with CashPoints and extended credit periods. It offers elevated CashPoints on EMI and key business categories, milestone benefits, and business insurance add-ons. The card is designed to give business owners consolidated expense control and savings.
Features of HDFC Biz First credit card which makes it unique
Extended Interest-Free Period
Up to 55 days interest-free credit on business spends
Improves cash flow for business owners
Longer interest-free period than many personal cards
CashPoints System
Redeem CashPoints for statement credit, SmartBuy and business catalogue
Direct business savings
Tailored to business expense categories
Rewards Structure of HDFC Biz First credit card
EMI Spends
acceleratedEMI transactions
Earn 3% CashPoints on EMI spends.
Utility & SmartPay
acceleratedUtility bills, SmartPay and PayZapp transactions
Includes select vendor payments and utility spends.
Other Spends
baseAll other retail spends
Standard earn rate across general retail transactions.
Milestones of HDFC Biz First credit card
Quarterly Milestone
₹100,000 : Bonus CashPoints (per bank milestone program)
Fees & Charges of HDFC Biz First credit card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹500 |
| Annual Fee | ₹500 |
| Forex Markup Fee | 2% |
| Cash Advance Fee | 0 |
| Late Payment Fee | ₹750 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 0% |
Renewal Conditions:Annual fee waived on ₹50,000 spends in an anniversary year (12 billing cycles).
Fee Explanation Standard HDFC Bank fees apply; annual fee can be waived on specified annual spend and other fees are per the bank's schedule.
Detailed Explanation of HDFC Biz First credit card Fees
Joining / Annual Fee: 500 (yearly)
Waived on ₹50,000 annual spend in an anniversary year
Cash Advance Fee: 2.5% (transaction)
Minimum ₹300
Lounge Access Benefits with HDFC Biz First credit card
domestic Lounges
silverVisits per year: 0
Guest access: No
Lounge access depends on specific Biz card variants and milestone spends
Insurance Coverage with HDFC Biz First credit card
Business insurance package
VariesOffered as part of Biz card with low annual premium
Additional Features of HDFC Biz First credit card
Contactless Payments
Tap and pay enabled
Easy EMI / Smart EMI
Convert purchases to EMIs using bank's EMI options
Welcome Bonus with HDFC Biz First credit card
Welcome Bonus: ₹250 gift voucher
Bonus Conditions: Voucher redeemable on partner platforms such as Amazon and Swiggy; valid only after first transaction within 37 days. T&C apply.
Application Process for HDFC Biz First credit card
Processing Time
5-7 business days
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Apply online via HDFC Bank or authorized partner portal
Upload KYC and income documents
Receive verification call or email
Card dispatched after approval (timeline per bank)
Required Documents for HDFC Biz First credit card
Address Proof
allAccepted documents:
ID Proof
allAccepted documents:
Income Proof
self-employedAccepted documents:
HDFC Biz First credit card Merchant Acceptance Network
Domestic Acceptance
Wide coverage across India
International Acceptance
Accepted where RuPay is accepted (varies by merchant)
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Eligibility Criteria for HDFC Biz First credit card
Quick Eligibility Check
Minimum Age
21+
Credit Score
650+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹50,000
Minimum annual income
Self-Employed Applicants
₹50,000
Minimum annual income
Who Can Apply
Important Conditions
- Applicant must supply valid PAN and KYC documents. ITR, GST returns or bank statements may be required for business applicants.
How Approval Is Decided
- Indian resident aged 21–65
- Sufficient business income (ITR/GST/bank statements)
- Acceptable credit history per bank policy
Pros of HDFC Biz First credit card
- Strong CashPoints on EMI and business categories
- Extended interest-free period (up to 55 days)
- Low ₹500 joining/annual fee
Cons of HDFC Biz First credit card
- Monthly caps on CashPoints for certain categories
- Not intended primarily for premium personal travel benefits
Frequently Asked Questions about HDFC Biz First credit card
What is the welcome benefit for Biz First?
Get a ₹250 gift voucher on making your first transaction within 37 days of card issuance.
What are CashPoints and how are they earned?
CashPoints are reward points earned on spends: 3% on EMI spends, 2% on Utility/SmartPay, and 1% on other spends (monthly caps apply).
What is the annual fee and how can it be waived?
Joining/annual fee is ₹500; it is waived if you spend ₹50,000 in an anniversary year (12 billing cycles).
Is there an extended interest-free period?
Yes — the Biz First card offers up to 55 days interest free on business spends as per HDFC Bank terms.
What documents are required to apply?
PAN, KYC ID and address proofs, and business income proof such as ITR, GST returns or bank statements for business applicants.
Who is eligible to apply?
Indian residents aged 21–65; self-employed applicants typically require annual ITR above ₹6 lakh (bank's eligibility criteria).
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