HDFC Bank BizFirst Credit Card
Fueling your business growth with every spend
Annual Fee
₹500
Base Rewards
0.2%
Forex Fee
3.5%
Expert Verdict
The HDFC BizFirst is a solid entry-level business credit card that targets micro and small enterprises. It offers specialized reward rates for business-centric categories like utilities and electronics, though it lacks lifestyle perks like lounge access.
Quick Match
Is this card right for you?
Great match for your profile!
Your Estimated Value
Year 1
+₹500
Year 2+
+₹500
Fee waiver eligible!
Why get this card
High 3% CashPoints on essential business spends like electronics, travel, and utility bills.
Low annual fee of 500 INR, easily waivable on spending 50,000 INR.
Accelerated 6% CashPoints on EMI transactions at selected merchants.
Up to 50 days of interest-free period helps in business working capital management.
+1 more benefits
- EMI conversion facility for large business purchases.
Watch out for
No domestic or international airport lounge access.
Reward redemption value is relatively low at 0.25 INR per CashPoint.
Monthly caps on accelerated reward categories limit benefits for high spenders.
+1 more considerations
- No complimentary insurance or concierge services commonly found in business cards.
Who is this card for?
Best for
small business owners
Proprietors looking for an entry-level card to manage business expenses like utility bills and electronics with decent cashback.
Min: ₹15,000/mo
first time business card users
Users who want a low-cost card to build a business credit profile while getting rewards on operational costs.
Skip if you're
frequent travelers
Lacks lounge access and high-value travel redemption options.
high spending enterprises
Monthly reward caps make it less attractive compared to premium business cards like BizBlack.
Base Earning
1 CashPoints
per ₹150 spent
0.2%
effective rate
Point value: ₹0.25/point
Bonus Categories
Direct - UTILITIES/ELECTRONICS/TRAVEL
18×
0.75% return
1000 pts/month
Selected Merchants - EMI_TRANSACTIONS
36×
1.5% return
1000 pts/month
Welcome Offer
Gift voucher worth 250 INR on first transaction within 37 days of card issuance.
Milestones
Spend ₹0.5L
Annual membership fee waiver on spending 50,000 INR in a year.
No rewards on:
Fuel, rent payments, utility bills, government payments, wallet loads, insurance premiums, EMI transactions
Upgrade Path
Move up or down within this bank