HDFC Bank BizPower Credit Card
Empower your business with premium rewards and travel benefits
Annual Fee
₹2,500
Base Rewards
0.5%
Forex Fee
3.5%
Expert Verdict
The HDFC BizPower is a robust mid-to-high tier business card that excels in rewarding mandatory business outflows like taxes and digital ads. While the ITR requirement is steep, the travel perks and interest-free window provide significant operational value.
Quick Match
Is this card right for you?
This card could work well for you
Your Estimated Value
Year 1
+₹2,200
Includes ₹1,500 bonus
Year 2+
+₹700
Fee waiver eligible!
Why get this card
High 5X reward rate on essential business spends like GST, Income Tax, and Google Ads
Generous lounge access with up to 16 domestic and 6 international visits annually
Extended interest-free credit period of up to 55 days for better cash flow management
Valuable quarterly milestone vouchers worth ₹2,500
Watch out for
High eligibility threshold with a minimum ITR requirement of ₹12 Lakhs
5X accelerated rewards require a minimum monthly spend of ₹25,000 to trigger
Low reward point value (₹0.20) when redeemed for statement credit/cashback
+1 more considerations
- Reward points on utility and telecom are capped at 2,000 per month
Who is this card for?
Best for
business owner
Proprietors and partners who have significant tax, utility, and digital marketing expenses.
Min: ₹50,000/mo
frequent traveler
Business travelers who value high-frequency domestic lounge access and international lounge perks.
Min: ₹75,000/mo
Skip if you're
low spender
Users spending less than ₹25,000 per month will miss out on accelerated rewards and milestone benefits.
Base Earning
4 Reward Points
per ₹150 spent
0.5%
effective rate
Point value: ₹0.20/point
Bonus Categories
SmartPay/PayZapp/Direct Portals - UTILITIES/TRAVEL/SHOPPING
5×
2.67% return
5000 pts/month
Welcome Offer
Amazon Prime Annual Membership + Biz Prime 6 Months Membership on first online transaction within 30 days.
₹1,500
value
Spend ₹1 within 30 days
Milestones
Spend ₹2.5L
₹2,500 Gift Voucher from Reliance Digital or MakeMyTrip on quarterly spends of ₹2.5 Lakhs.
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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