HDFC Biz Power credit card
HDFC Bank
Last updated: Feb 03, 2026
₹2,500
₹2,500
2%
22 visits/yr
Contents
HDFC Biz Power is a business-focused credit card offering accelerated rewards on bill payments, tax and business spends, generous lounge access and milestone benefits. It suits small businesses and high-volume entrepreneurs who want higher rewards on business-related payments and premium travel perks. Low effective fees for frequent business transactions when milestone conditions are met.
Features of HDFC Biz Power credit card which makes it unique
5X Rewards On Business Spends
Accelerated points on bill payments, tax and vendor payments
Significantly higher returns on core business payments
Better than many consumer-focused cards for business categories
Generous Lounge Access
Multiple domestic and international complimentary lounge visits
Comfortable travel experience for frequent travellers
Higher lounge allowance vs many business cards at similar fee tiers
Rewards Structure of HDFC Biz Power credit card
Business Payments
acceleratedBill payments via PayZapp/SmartPay, GST, Income Tax, vendor payments and select business spends
Use PayZapp/SmartPay and SmartBuy BizDeals to maximise rewards.
Base Rewards
baseAll other merchant categories
Standard earn rate on everyday spends.
Milestones of HDFC Biz Power credit card
Quarterly Milestone
₹2,50,000 : ₹2,500 gift voucher (Reliance Digital/MakeMyTrip)
Annual Waiver
₹4,00,000 : Annual fee waiver
Fees & Charges of HDFC Biz Power credit card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹2,500 |
| Annual Fee | ₹2,500 |
| Forex Markup Fee | 2% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹750 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 2% |
Renewal Conditions:Membership fee waived on ₹4,00,000 annual spend.
Fee Explanation Standard bank fees apply for overdue amounts and cash advances; refer to issuer fee schedule for details.
Detailed Explanation of HDFC Biz Power credit card Fees
Joining/Renewal Fee: 2500 (yearly)
Waived on ₹4,00,000 annual spend.
Cash Advance Fee: 2.5% (transaction)
Minimum ₹300 per transaction.
Lounge Access Benefits with HDFC Biz Power credit card
domestic Lounges
silverVisits per year: 16
Guest access: No
2 complimentary visits per quarter plus additional visits on meeting quarterly spend thresholds.
international Lounges
silverVisits per year: 6
Guest access: Yes
International lounge visits via Priority Pass subject to membership terms.
Insurance Coverage with HDFC Biz Power credit card
Travel Insurance
₹10,00,000Coverage details subject to policy purchased with card benefits.
Purchase Protection
₹50,000Valid within 90 days of purchase; check T&C for exclusions.
Additional Features of HDFC Biz Power credit card
Contactless Payments
Tap-to-pay enabled for quick checkouts
Add-on Cards
Add-on cards available for business partners or employees
Up to issuer limits; charges may apply for additional add-ons.
Welcome Bonus with HDFC Biz Power credit card
Welcome Bonus: Amazon Prime (1 year) + BizPrime (6 months)
Bonus Conditions: Make one online transaction within 30 days of card issuance to avail Amazon Prime annual and BizPrime 6-month membership.
Application Process for HDFC Biz Power credit card
Processing Time
5-10 business days
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Apply online via Finanjo portal
Upload KYC documents
Receive verification call
Card dispatched within 7-10 days
Required Documents for HDFC Biz Power credit card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
HDFC Biz Power credit card Merchant Acceptance Network
Domestic Acceptance
Wide coverage across India
International Acceptance
Accepted globally
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for HDFC Biz Power credit card
Quick Eligibility Check
Minimum Age
18+
Credit Score
700+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹30,000
Minimum annual income
Self-Employed Applicants
₹40,000
Minimum annual income
Who Can Apply
Important Conditions
- Customer must have valid PAN and Aadhaar; business KYC may be required for business owners.
How Approval Is Decided
- Minimum income ₹30,000/month
- Indian resident
- Credit score above 700
Pros of HDFC Biz Power credit card
- High reward rates on bill & business spends
- Generous lounge access
- Useful milestone vouchers
Cons of HDFC Biz Power credit card
- High joining/renewal fee unless waiver conditions met
- Accelerated rewards may be capped and have minimum spend conditions
Frequently Asked Questions about HDFC Biz Power credit card
What is the welcome benefit?
Get Amazon Prime (1 year) + BizPrime (6 months) on completing one online transaction within 30 days of card issuance.
What joining/renewal fee is charged?
Joining and renewal fee is ₹2,500 plus applicable taxes; fee waiver on ₹4,00,000 annual spend.
How many lounge visits are included?
Up to 16 domestic lounge visits and 6 international visits via Priority Pass per calendar year, subject to T&C and spend-based additions.
What earns 5X reward points?
Bill payments via PayZapp/SmartPay, GST and Income Tax payments, select vendor and business spends earn 5X points subject to minimum spend and monthly caps.
How do I get the milestone voucher?
On spending ₹2,50,000 in a quarter, you become eligible for a ₹2,500 gift voucher redeemable at select partners.
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