HDFC Bank BizFirst Credit Card Review 2026: Fees & Rewards

Explore HDFC Bank BizFirst Credit Card features: 3% CashPoints on EMI, 55 days interest-free period, and UPI benefits. Check fees, eligibility, and more.

Vyaya Team · Mar 2026

5 min read

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Value Score

7.0 / 10

Annual Fee

₹500

Best For

Small Business Owner, Self-Employed Professional

Network

RuPay

Expert Verdict

The HDFC BizFirst is a solid entry-level business card for micro-entrepreneurs. It excels in utility and UPI rewards but falls short for those seeking travel perks or high reward values.

HDFC Bank BizFirst Credit Card credit card by HDFC Bank - RuPay network

REWARD SUMMARY

0.15% Base Rewards
Powering your business with every spend.

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The Bottom Line

The HDFC Bank BizFirst Credit Card is the HDFC BizFirst is a solid entry-level business card for micro-entrepreneurs. It excels in utility and UPI rewards but falls short for those seeking travel perks or high reward values. With a ₹500 annual fee that is waived on ₹50,000 yearly spend, it offers 0% rewards on emi spends and a welcome benefit worth ₹250. For anyone researching hdfc bank bizfirst credit card, the verdict is simple: recommended.

It earns a base reward rate of 0.15% and stacks best when your spending lines up with Small Business Owner, Self-Employed Professional. The renewal fee gets easier to justify once you can hit ₹50,000 in yearly spend.

What we like

+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.

+Specially curated business insurance package available at a low premium.

What we don't

–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.

Who Should Get This Card

Use this as a quick filter before comparing rewards or fees in detail.

Best fit for

Ideal

Small Business Owner

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

Best value above ₹15,000/month

Self-Employed Professional

Great for those who use EMI for business equipment and want a low-cost entry-level card.

Best value above ₹10,000/month

Probably not for

Skip

–

Frequent Business Traveler

Lacks lounge access and high-value travel redemption options.

Is It Worth It For You?

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Reward Rates

HDFC Bank BizFirst Credit Card offers 0.15% basic reward rate.

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Where

Amount

₹

EMI Spends

Utility, Electronics, Smart...

Welcome Offer

Welcome Benefit

Value: ₹250

Milestone Benefits

Spend ₹75,000

Excludes rent and petrol transactions.

Fees & Charges

Joining fee₹500

Annual fee₹500

Fee waiverSpend > ₹50,000

Eligibility

Min Income: ₹6 Lakhs
Min Credit Score: 700
Self-employed Indian citizens aged 21 to 65 years with an annual ITR above Rs. 6 Lakhs.

Exclusions & Terms

Fuel

Rent Payments

Education

Wallet Loads

Gift/Prepaid Card Loads

Voucher Purchases

Frequently Asked Questions

3 data-backed answers from our card database

What is the reward value of HDFC BizFirst CashPoints?+

1 CashPoint is worth ₹0.15 when redeemed for statement credit or SmartBuy travel, and up to ₹0.20 for the business catalogue.

Does HDFC BizFirst have lounge access?+

No, the HDFC Bank BizFirst credit card does not offer any domestic or international airport lounge access.

How can I get the annual fee waived?+

The annual fee of ₹500 is waived if you spend more than ₹50,000 in the previous anniversary year.

Ready to apply?

₹500 fee. Excellent rewards. Apply now securely.

Apply on HDFC Bank →

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