HDFC Bank Biz Grow Credit Card

Interest-free period

Up to 55 days of interest-free credit period (ranges from 25 to 55 days).

Verified · Biz Grow Credit Card – FAQ / Rewards & Program Terms (Apr 2025) · 2026-07-31 · source

Fuel surcharge waiver

• 1% Fuel Surcharge waiver on fuel transactions (minimum transaction of ₹400, maximum transaction of ₹5,000), maximum cashback/waiver of ₹250 per statement cycle.
• GST on fuel surcharge is not reversed.

Verified · Biz Grow Credit Card – FAQ / Rewards & Program Terms (Apr 2025) · 2026-07-31 · source

Award example

On spending ₹20,000 in a cycle with ₹14,000 eligible spends (₹10,000 accelerated + ₹4,000 other), total CashPoints earned = 1,387 CP (1,333 CP accelerated + 53 CP on other spends).

Verified · harvested from product page · 2026-07-31 · source

Milestone benefit

• Milestone benefit of 2,000 CashPoints on quarterly spends of ₹1 lakh (calendar quarter).
• Fuel and rent spends are not counted toward the spend target.

Verified · Biz Grow Credit Card – FAQ / Rewards & Program Terms (Apr 2025) · 2026-07-31 · source

Redemption value

• 1 Cash Point = up to ₹0.25 against statement balance/cashback, SmartBuy Rewards portal (flights, hotels, product catalogue).
• 1 Cash Point = up to ₹0.30 against selected merchants (business catalogue).
• Minimum 2,500 CP needed to redeem against statement balance.
• For flights & hotels, up to 50% of booking value redeemable via Cash Points (rest via card limit).
• Cash Points valid for 2 years from date of accumulation.
• Redemption as CashBack against statement: no handling charges.
• Redemption via reward catalogue: ₹99 + taxes handling charge.

Verified · Biz Grow Credit Card – FAQ / Rewards & Program Terms (Apr 2025) · 2026-07-31 · source

Reward cap

• Accelerated 10X Cash Points on Business Essential spends capped at 1,500 CP per statement cycle (excluding Wallet Load spends).
• CashPoints on insurance transactions capped at 2,000 per day.
• CashPoints on grocery capped at 2,000 per month.
• Redemption for flights & hotels bookings / CashBack redemption capped at 50,000 per calendar month.
• Maximum reward points that can be earned in a statement cycle for BizGrow is 15,000.

Verified · harvested from product page · 2026-07-31 · source

Reward exclusion

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Dining benefit

Flat 10% extra off on dining bills at 35,000+ restaurants when paying with the HDFC Bank BizGrow Card via Swiggy Dineout.

Verified · Biz Grow Credit Card – FAQ / Rewards & Program Terms (Apr 2025) · 2026-07-31 · source

Travel benefit

• Up to 3% off on Domestic Flights (up to ₹500) and up to 3% off on International Flights (up to ₹750), and up to 4% off on Hotels (up to ₹500) via MMT MyBiz platform powered by SmartBuy BizDeals.
• Up to 40% discounts on business software (Tally, Office 365, AWS, Google Workspace, Credflow etc.) via SmartBuy BizDeals-Nuclei.
• Up to 10% cashback on travel/online shopping on SmartBuy.

Verified · Biz Grow Credit Card – FAQ / Rewards & Program Terms (Apr 2025) · 2026-07-31 · source

Insurance

• Business Insurance package available at an annual premium of ₹3,785 (including GST): Fire & Burglary insurance for Shop up to ₹5 lacs.
• Cash in Safe/Transit up to ₹25,000.
• Electronic Equipment insurance excluding terrorism up to ₹50,000.
• Hospital Cash (Accident only) up to ₹1,000 per day.
• Hospital Cash (Illness only) up to ₹1,000 per day.
• Higher covers available at discounted premium.
• Zero lost card liability with credit liability cover of ₹3 lakh.

Verified · Biz Grow Credit Card – FAQ / Rewards & Program Terms (Apr 2025) · 2026-07-31 · source

Statement credit

• Cash Points can be redeemed against statement balance (on request only) at 1 CashPoint = ₹0.25.
• Minimum 2,500 CP required to redeem against statement balance.

Verified · Biz Grow Credit Card – FAQ / Rewards & Program Terms (Apr 2025) · 2026-07-31 · source

Eligibility

• A Self Employed Indian Citizen aged between 21 years and 65 years.
• Annual ITR above ₹6 Lakhs.
• Customers can apply using ITR, GST returns, Bank Statements and Merchant payment report.

Verified · Biz Grow Credit Card – FAQ / Rewards & Program Terms (Apr 2025) · 2026-07-31 · source