HDFC Bank BizGrow Credit Card Review 2026: Fees, 10X Rewards & Bene...

Explore HDFC Bank BizGrow Credit Card features: 10X rewards on GST & Tax, ₹500 fee, and business insurance. Learn if it's the best card for your small business.

Vyaya Team · Mar 2026

5 min read

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Value Score

7.2 / 10

Annual Fee

₹500

Best For

Small Business Owner, Freelancer

Network

RuPay

Expert Verdict

The HDFC Bank BizGrow is a solid entry-level business credit card that excels in rewarding mandatory business expenses like taxes and utilities. While it lacks lifestyle perks like lounge access, its insurance benefits and UPI compatibility make it a practical tool for MSMEs.

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

REWARD SUMMARY

0.25% Base Rewards
Made for Business

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The Bottom Line

The HDFC Bank BizGrow Credit Card is the HDFC Bank BizGrow is a solid entry-level business credit card that excels in rewarding mandatory business expenses like taxes and utilities. While it lacks lifestyle perks like lounge access, its insurance benefits and UPI compatibility make it a practical tool for MSMEs. With a ₹500 annual fee that is waived on ₹1,00,000 yearly spend, it offers 0% rewards on gst & income tax and a welcome benefit worth ₹250. For anyone researching hdfc bank bizgrow credit card, the verdict is simple: recommended.

It earns a base reward rate of 0.25% and stacks best when your spending lines up with Small Business Owner, Freelancer. The renewal fee gets easier to justify once you can hit ₹1,00,000 in yearly spend.

What we like

+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.

+RuPay variant allows seamless UPI payments for business transactions.

What we don't

–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.

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

Best value above ₹15,000/month

Freelancer

Helps separate personal and business expenses with a low-cost entry-level card.

Best value above ₹10,000/month

Probably not for

Skip

–

Frequent Business Traveler

Lacks travel perks like lounge access and high-value travel redemption.

Is It Worth It For You?

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Reward Rates

HDFC Bank BizGrow Credit Card offers 0.25% basic reward rate.

Quick Calculator

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Where

Amount

₹

GST & Income Tax

Utility & Bill Payments

Business Software

Travel (MMT MyBiz)

Welcome Offer

Welcome Benefit

First transaction within 37 days of card issuance

Value: ₹250

Milestone Benefits

Spend ₹100,000

Bonus Points

Fees & Charges

Joining fee₹500

Annual fee₹500

Fee waiverSpend > ₹1,00,000

Eligibility

Min Income: ₹6 Lakhs
Min Credit Score: 700
Self-employed Indian citizens aged 21 to 65 years with a minimum annual ITR of ₹6 Lakhs.

Exclusions & Terms

Fuel

Surcharge waiver applicable instead

Rent

Excluded from rewards

Wallet Load

Excluded from rewards

Frequently Asked Questions

3 data-backed answers from our card database

What is the reward rate for HDFC BizGrow?+

The card offers 2 CashPoints per ₹150 on base spends and 10X CashPoints (20 CP per ₹150) on select business spends like GST, Income Tax, and utility bills.

How can I waive the annual fee?+

The annual fee of ₹500 is waived if you spend more than ₹1 Lakh in the preceding anniversary year.

Does HDFC BizGrow offer lounge access?+

No, the HDFC Bank BizGrow Credit Card does not offer complimentary domestic or international airport lounge access.

Ready to apply?

₹500 fee. Excellent rewards. Apply now securely.

Apply on HDFC Bank →

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