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Side-by-Side Comparison|Updated March 2026

HDFC Bank BizFirst Credit Card vs HDFC Bank BizGrow Credit Card

Detailed comparison of fees, rewards, benefits, and value to help you choose the right credit card for your spending pattern.

HDFC Bank

HDFC Bank BizFirst Credit Card

7/10
Annual Fee₹500
Base Rewards0.15%
NetworkRuPay
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HDFC Bank

HDFC Bank BizGrow Credit Card

7.2/10
Annual Fee₹500
Base Rewards0.25%
NetworkRuPay
View Full Details

Feature-by-Feature Comparison

FeatureHDFC Bank BizFirst Credit CardHDFC Bank BizGrow Credit Card
Annual Fee₹500₹500
Joining Fee₹500₹500
Fee Waiver Spend₹50,000₹1,00,000
Base Reward Rate0.15%0.25%
Reward CurrencyCashPointCashPoints
NetworkRuPayRuPay
Editor Rating7/107.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

HDFC Bank BizFirst Credit Card

  • 0% on EMI Spends — 1000 pts/month
  • 0% on Utility, Electronics, Smart... — 500 pts/month

HDFC Bank BizGrow Credit Card

  • 0% on GST & Income Tax
  • 0% on Utility & Bill Payments
  • 0% on Business Software
  • 0% on Travel (MMT MyBiz)

Pros & Cons

HDFC Bank BizFirst Credit Card

Pros

  • Accelerated 3% CashPoints on EMI spends and 2% on utility/electronics.
  • Industry-leading interest-free credit period of up to 55 days.
  • Seamless UPI integration via RuPay network for business payments.
  • Achievable annual fee waiver at just ₹50,000 annual spend.

Cons

  • No domestic or international airport lounge access.
  • Low reward redemption value of ₹0.15 for statement credit.
  • Monthly caps on accelerated reward categories limit high-value savings.

HDFC Bank BizGrow Credit Card

Pros

  • 10X CashPoints on essential business spends like GST, Income Tax, and utility bills.
  • 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 of ₹500, easily waived on spending ₹1 Lakh annually.

Cons

  • Accelerated 10X rewards are capped at 1,500 CashPoints per month.
  • No complimentary airport lounge access provided.
  • Low reward redemption value of ₹0.25 for statement credit.

Our Verdict

Both HDFC Bank BizFirst Credit Card and HDFC Bank BizGrow Credit Card are strong options. Your choice should depend on your spending pattern and which card's rewards align better with your lifestyle.

Choose HDFC Bank BizFirst Credit Card if

Ideal for managing daily operational costs like utilities and electronics while earning rewards on UPI.

Choose HDFC Bank BizGrow Credit Card if

Ideal for managing routine compliance payments like GST and Income Tax while earning rewards.

Frequently Asked Questions

Which is better: HDFC Bank BizFirst Credit Card or HDFC Bank BizGrow Credit Card?
Both HDFC Bank BizFirst Credit Card and HDFC Bank BizGrow Credit Card are strong options. Your choice should depend on your spending pattern and which card's rewards align better with your lifestyle.
What is the annual fee difference between HDFC Bank BizFirst Credit Card and HDFC Bank BizGrow Credit Card?
HDFC Bank BizFirst Credit Card has an annual fee of ₹500, while HDFC Bank BizGrow Credit Card has an annual fee of ₹500. HDFC Bank BizFirst Credit Card offers a fee waiver on ₹50,000 annual spend. HDFC Bank BizGrow Credit Card offers a fee waiver on ₹1,00,000 annual spend.
Which card has better rewards: HDFC Bank BizFirst Credit Card or HDFC Bank BizGrow Credit Card?
HDFC Bank BizFirst Credit Card offers a base reward rate of 0.15% with accelerated rewards on EMI Spends and Utility, Electronics, Smart.... HDFC Bank BizGrow Credit Card offers 0.25% base rewards with bonuses on GST & Income Tax and Utility & Bill Payments. The better choice depends on your primary spending categories.
Can I have both HDFC Bank BizFirst Credit Card and HDFC Bank BizGrow Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. HDFC Bank BizFirst Credit Card and HDFC Bank BizGrow Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: HDFC Bank BizFirst Credit Card or HDFC Bank BizGrow Credit Card?
For beginners, HDFC Bank BizFirst Credit Card may be more approachable with a lower annual fee of ₹500. However, evaluate based on your expected spending pattern rather than fee alone.

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