The HDFC BizFirst Business Credit Card is a specially designed credit card for self-employed professionals, entrepreneurs, and small business owners seeking greater financial flexibility and rewards on business spending. This HDFC credit card offers an impressive interest-free credit period of up to 55 days, helping businesses manage working capital more efficiently. With benefits such as accelerated CashPoints on utility payments, EMI transactions, online spends, fuel surcharge waivers, milestone rewards, and business insurance coverage, the HDFC BizFirst Business Credit Card serves as a comprehensive financial tool for modern business operations.
Overview of HDFC BizFirst Business Credit Card
The HDFC BizFirst Business Credit Card combines business-focused rewards, expense management tools, and lifestyle benefits to maximize value on every transaction.
| Feature | Details |
|---|---|
| Card Type | Business Credit Card |
| Best Suited For | Self-Employed Professionals & Small Business Owners |
| Interest-Free Credit Period | Up to 55 Days |
| Welcome Benefit | ₹250 Gift Voucher on First Transaction |
| Reward Structure | Up to 3% CashPoints on Eligible Spends |
| Annual Savings Potential | Up to ₹10,555 per Year |
| Network Variants | Visa, Mastercard & RuPay |
| Renewal Fee Waiver | Annual Spend of ₹50,000 |
Eligibility Criteria for HDFC BizFirst Business Credit Card
Applicants must meet the following eligibility requirements before applying for the HDFC BizFirst Business Credit Card:
- Applicant must be an Indian Citizen.
- Available exclusively for Self-Employed Individuals and Business Owners.
- Applicant age should be between 21 and 65 years.
- Minimum annual Income Tax Return (ITR) above ₹6 lakh.
- Business profile and credit history should meet HDFC Bank’s internal eligibility criteria.
- Existing HDFC Bank customers may receive faster approval based on their relationship history.
Documents Required for HDFC BizFirst Business Credit Card
Applicants should keep the following documents ready during the application process:
Identity Proof
- PAN Card Mandatory
- Aadhaar Card
- Passport
- Voter ID
- Driving Licence
Address Proof
- Aadhaar Card
- Passport
- Utility Bills
- Rental Agreement
- Bank Statements
Income Proof
- Latest Income Tax Returns ITR
- GST Returns
- Business Financial Statements
- Bank Statements
Business Proof
- GST Registration Certificate
- Business Registration Documents
- Merchant Payment Reports if applicable
Photographs
- Recent passport-size photographs
Also Read: HDFC CSC Small Business MoneyBack Credit Card
HDFC BizFirst Business Credit Card Fee & Charges
The card comes with an affordable fee structure and spending-based fee waiver benefits.
| Fee Type | Amount / Condition |
|---|---|
| Joining Fee | ₹500 + Applicable Taxes |
| Renewal Fee | ₹500 + Applicable Taxes |
| Renewal Fee Waiver | Spend ₹50,000 in Membership Year |
| First-Year Fee Charging | After 120 Days of Card Issuance |
| Fuel Surcharge Waiver | 1% on Transactions Between ₹400 and ₹5,000 |
| Interest-Free Period | Up to 55 Days |
| SmartEMI Conversion | Available on Eligible Transactions |
Steps to Apply for HDFC BizFirst Business Credit Card
Applying for the HDFC BizFirst Business Credit Card is simple and can be completed online.
Step 1: Verify Your Details
- Enter your registered mobile number.
- Validate using Date of Birth or PAN.
Step 2: Confirm Personal Information
- Review personal details.
- Provide business and professional information.
Step 3: Select the Card
- Choose the HDFC BizFirst Business Credit Card from the available card options.
Step 4: Complete Verification
- Upload required documents.
- Complete Video KYC if required.
Step 5: Submit Application
- Submit the application and note your Application Reference Number for future tracking.
Track HDFC BizFirst Business Credit Card Application Status
Applicants can easily track the status of their application online.
- Visit the HDFC Bank Credit Card Application Tracking page.
- Enter the Application Reference Number.
- Verify using your registered mobile number and OTP.
- View the current application status, including:
- Application Received
- Under Review
- Approved
- Dispatched
- Delivered
Also Read: HDFC Business MoneyBack Credit Card
HDFC BizFirst Business Credit Card features & Benefits
The HDFC BizFirst Business Credit Card offers a wide range of benefits specifically designed for business users.
Tiered CashPoints Rewards
Earn CashPoints on various spending categories:
- 3% CashPoints on EMI Transactions.
- 2% CashPoints on Utility Bills and Electronics Purchases.
- 1% CashPoints on Other Eligible Retail Transactions.
Quarterly Milestone Benefits
- Earn 2,000 CashPoints every quarter.
- Applicable when spending ₹75,000 or more during the quarter.
Welcome Benefit
- Receive a ₹250 Gift Voucher after making the first transaction within 37 days of card issuance.
Business Insurance Coverage
Business protection plans worth up to ₹3,785, including:
- Fire Insurance Cover
- Burglary Protection
- Hospital Cash Benefits
- Business Protection Features
Discounts on Business Software
Save up to 40% on popular business solutions through Nuclei partnerships:
- Google Workspace
- Tally Prime
- Amazon Web Services AWS
- Other Business Productivity Tools
Fuel Benefits
- 1% Fuel Surcharge Waiver at fuel stations across India.
- Applicable for transactions between ₹400 and ₹5,000.
UPI Rewards RuPay Variant
- Earn 1% CashPoints on eligible UPI transactions.
- Convenient payments through linked UPI applications.
SmartBuy Benefits
- Up to 5% Cashback on travel bookings and online shopping through SmartBuy.
SmartPay Benefits
- Earn up to ₹1,800 Cashback in the first year by registering utility bill payments through SmartPay.
EasyEMI Facility
- Convert large purchases into affordable EMIs.
- Manage cash flow without impacting business operations.
Contactless Payments
- Fast and secure Tap & Pay transactions.
- Transactions up to ₹5,000 can be completed without entering a PIN.
Security Features
- EMV Chip-enabled card.
- Zero Lost Card Liability if reported immediately.
- Advanced fraud protection and transaction monitoring.
Also Read: HDFC Biz Black Credit Card | HDFC Biz Grow Credit Card
HDFC BizFirst Business Credit Card Customer Care Number
HDFC Bank offers multiple support channels for BizFirst cardholders.
| Service Type | Contact Details |
|---|---|
| Toll-Free Customer Care | 1800 1600 / 1800 2600 |
| Credit Card Customer Service | Available 24×7 |
| Email Support | customerservices.cards@hdfcbank.com |
| PIN Generation IVR | 1860 266 0333 |
Download the Buddy Loan App Now!
One solution to each of your financial needs at your fingertip.
Scan to download now
