The HDFC BizGrow Business Credit Card is a premium business credit card designed for self-employed professionals, entrepreneurs, and small business owners looking to maximize rewards on business-related expenses. This HDFC credit card offers accelerated CashPoints on GST and Income Tax payments, utility bills, and business purchases while providing up to 55 days of interest-free credit. In addition to reward benefits, cardholders enjoy business insurance coverage, software discounts, travel savings, fuel surcharge waivers, and flexible EMI options. The HDFC BizGrow Business Credit Card is ideal for businesses seeking to optimize cash flow while earning valuable rewards on everyday spending.
Overview of HDFC BizGrow Business Credit Card
The HDFC BizGrow Business Credit Card combines business productivity benefits with rewards, insurance, and travel savings to support growing businesses.
| Feature | Details |
|---|---|
| Card Type | Business Credit Card |
| Best Suited For | Self-Employed Professionals & Business Owners |
| Interest-Free Period | Up to 55 Days |
| Welcome Benefit | ₹250 Gift Voucher on First Transaction |
| Base Reward Rate | 2 CashPoints per ₹200 Spent |
| Milestone Reward | 2,000 CashPoints Every Quarter |
| Fuel Benefit | 1% Fuel Surcharge Waiver |
| Annual Fee | ₹500 + Applicable Taxes |
Eligibility Criteria for HDFC BizGrow Business Credit Card
To apply for the HDFC BizGrow Business Credit Card, applicants must satisfy the following requirements:
- Applicant must be an Indian Citizen.
- Available exclusively for Self-Employed Individuals.
- Age should be between 21 years and 65 years.
- Annual Income Tax Return (ITR) must exceed ₹6 lakh.
- Business profile and credit history should meet HDFC Bank’s internal eligibility criteria.
- Existing HDFC Bank customers may be eligible for a simplified application process.
Documents Required for HDFC BizGrow Business Credit Card
Applicants should keep the following documents ready while applying:
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)
- Bank Statements
- Business Financial Statements
Business Proof
- GST Returns
- Merchant Payment Reports
- Business Registration Documents (if applicable)
Photographs
- Recent passport-size photographs
Also Read: HDFC CSC Small Business MoneyBack Credit Card
HDFC BizGrow Credit Card Fees & Charges
The HDFC BizGrow Business Credit Card comes with a straightforward fee structure and an achievable annual fee waiver milestone.
| Fee Type | Charges |
|---|---|
| Joining Fee | ₹500 + Applicable Taxes |
| Renewal Fee | ₹500 + Applicable Taxes |
| Renewal Fee Waiver | Spend ₹1,00,000 in Anniversary Year |
| Interest-Free Credit Period | Up to 55 Days |
| Fuel Surcharge Waiver | 1% on Transactions Between ₹400 and ₹5,000 |
| EMI Conversion Facility | Available on Eligible Transactions |
Steps to Apply for HDFC BizGrow Business Credit Card
Applying for the HDFC BizGrow Business Credit Card is quick and can be completed online.
Step 1: Verify Identity
- Enter your mobile number.
- Validate using PAN or Date of Birth.
Step 2: Confirm Details
- Review personal and business information.
- Update any missing details.
Step 3: Select Card
- Choose the HDFC BizGrow Business Credit Card from the available options.
Step 4: Upload Documents
- Submit required KYC and business documents.
- Complete Video KYC if requested.
Step 5: Submit Application
- Submit the application and save the Application Reference Number for tracking.
Track HDFC BizGrow Business Credit Card Application Status
Applicants can track their application through HDFC Bank’s online channels.
- Visit the HDFC Bank Credit Card Application Tracking page.
- Enter your Application Reference Number.
- Verify using your registered mobile number and OTP.
- Check the real-time application status.
- View updates such as:
- Application Received
- Under Review
- Approved
- Dispatched
- Delivered
Alternatively, applicants may also use the MyCards platform or contact customer support for updates.
Also Read: HDFC Business MoneyBack Credit Card
HDFC BizGrow Credit Card Features & Benefits
The HDFC BizGrow Business Credit Card provides a comprehensive set of benefits designed to support business growth and operational efficiency.
Accelerated CashPoints Rewards
- Earn 2 CashPoints for every ₹200 spent on eligible transactions.
- Earn 10X CashPoints on:
- GST Payments
- Income Tax Payments
- Utility Bill Payments
- DMart Purchases
- Applicable after meeting minimum monthly spending requirements.
Quarterly Milestone Rewards
- Earn 2,000 CashPoints every quarter.
- Available on quarterly spending of ₹1 lakh or more.
Welcome Benefit
- Receive a ₹250 Gift Voucher after making your first transaction within 37 days of card issuance.
Business Software Discounts
Get exclusive discounts through Nuclei partnerships on:
- Google Workspace
- Tally Prime
- Amazon Web Services (AWS)
- Microsoft Azure
- Other business productivity tools
Savings can reach up to 40% on selected subscriptions and software packages.
Business Insurance Coverage
The card offers complimentary business protection benefits, including:
- Fire & Burglary Insurance Cover up to ₹5 lakh
- Electronic Equipment Insurance Cover up to ₹50,000
- Business Risk Protection Benefits
Travel Benefits
Save on business travel with:
- Up to 40% savings through SmartBuy BizDeals
- Exclusive offers through MMT MyBiz
- Hotel and flight booking discounts
Dining & Lifestyle Benefits
- Flat 10% extra discount through Swiggy Dineout.
- Up to 5% cashback on Myntra purchases.
- Special lifestyle and shopping offers throughout the year.
Fuel Benefits
- 1% Fuel Surcharge Waiver across fuel stations in India.
- Applicable on transactions between ₹400 and ₹5,000.
Flexible EMI Options
- Convert large purchases into SmartEMI or EasyEMI.
- Improve cash flow management while meeting business expenses.
Security Features
- EMV Chip-enabled card for secure transactions.
- Zero Lost Card Liability if reported immediately.
- Advanced fraud protection and transaction monitoring.
Interest-Free Credit Period
- Enjoy up to 55 days of interest-free credit.
- Helps manage vendor payments, taxes, and business cash flow efficiently.
Also Read: HDFC Biz Black Credit Card | HDFC Biz First Credit Card
HDFC BizGrow Business Credit Card Customer Care Number
HDFC Bank provides multiple support channels for BizGrow Business Credit Card holders.
| Service Type | Contact Details |
|---|---|
| Toll-Free Helpline | 1800 202 6161 / 1860 267 6161 |
| Overseas Support | 022-6160660 |
| Credit Card Customer Care | Available 24×7 |
| Lost Card Reporting | 1800 1600 / 1800 2600 |
| Email Support | customerservices.cards@hdfcbank.com |
| MyCards Platform | Digital Card Management |
| Branch Support | Available at HDFC Bank Branches |
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