HDFC Bank BizGrow Credit Card
Empower your business with accelerated rewards on tax and utility payments.
Annual Fee
₹500
Base Rewards
0.3%
Forex Fee
3.5%
Expert Verdict
The HDFC BizGrow is a solid entry-level business card that excels in rewarding mandatory business outflows like taxes and utility bills. While it lacks travel perks like lounge access, its 55-day credit cycle and business insurance make it a practical tool for cash flow management.
Quick Match
Is this card right for you?
Great match for your profile!
Your Estimated Value
Year 1
+₹1,750
Includes ₹250 bonus
Year 2+
+₹1,500
Fee waiver eligible!
Why get this card
10X CashPoints on essential business spends like GST, Income Tax, and Productivity tools
Extended interest-free credit period of up to 55 days to manage business cash flow
Comprehensive business insurance coverage including Fire, Burglary, and Electronic Equipment
Low annual fee with an achievable waiver threshold of ₹1 Lakh annual spend
Watch out for
No complimentary domestic or international airport lounge access
10X accelerated rewards are capped at a relatively low 1,500 CashPoints per month
Base reward rate is low at approximately 0.33% value back
+1 more considerations
- Minimum spend of ₹10,000 per month required to qualify for 10X rewards
Who is this card for?
Best for
small business owner
Ideal for SMEs and freelancers who regularly pay GST, Income Tax, and utility bills and want to earn rewards on these mandatory expenses.
Min: ₹15,000/mo
Skip if you're
frequent traveler
Not suitable for those seeking luxury travel benefits like lounge access or high air-mile conversion rates.
Base Earning
2 CashPoints
per ₹150 spent
0.3%
effective rate
Point value: ₹0.25/point
Bonus Categories
PayZapp/SmartPay/Direct Portals - UTILITIES
10×
3.33% return
1500 pts/month
Welcome Offer
₹250 Gift Voucher on the first transaction within 37 days of card issuance.
₹250
value
Spend ₹1 within 37 days
Milestones
Spend ₹1.0L
Earn 2,000 Bonus CashPoints on spending ₹1 Lakh in a calendar quarter.
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
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