HDFC Bank Biz Power Credit Card

Lounge access

• Domestic (within India): Two complimentary lounge access per quarter on minimum spends of ₹75,000 in previous calendar quarter (swipe credit card; April-June'26 spends considered for access from 1st July 2026).
• From calendar quarter starting 1st July 2026: 2 domestic airport lounge visits per calendar quarter unlocked on spending ₹75,000 or more in the previous calendar quarter.
• International (outside India): Complimentary Priority Pass membership for Primary and Add-on cardholders offered on request via phone banking (minimum 4 transactions to be completed on the card to apply).
• Priority Pass visits beyond complimentary cap charged at $27 (in INR equivalent) + taxes per person per visit.

Verified · Key Fact Statement cum Most Important Terms & Conditions (MITC) - English (covers BizPower) · 2026-07-30 · source

Forex markup

Foreign currency transactions: 3.5% of transaction value (currency conversion rate as on settlement date applicable).

Verified · Key Fact Statement cum Most Important Terms & Conditions (MITC) - English (covers BizPower) · 2026-07-30 · source

Interest-free period

• Interest free credit period ranges from 25 to 55 days (for BizBlack Metal Card, BizPower, BizGrow, BizFirst, GIGA, Micro Enterprise Card).
• Not applicable if previous month's balance not cleared in full or if cash withdrawn from ATM.

Verified · Key Fact Statement cum Most Important Terms & Conditions (MITC) - English (covers BizPower) · 2026-07-30 · source

Fuel surcharge waiver

• 1% fuel surcharge waiver on minimum transaction of ₹400 & maximum transaction of ₹5000.
• Maximum waiver of ₹500 per statement cycle (waiver capped at 1% of eligible fuel transaction amounts; GST on fuel surcharge not reversed).

Verified · Key Fact Statement cum Most Important Terms & Conditions (MITC) - English (covers BizPower) · 2026-07-30 · source

Reward exclusion

Verified · harvested from product page · 2026-07-30 · source

Milestone benefit

• From 1st July 2026: Gift Voucher worth ₹5,000 of MakeMyTrip/Reliance Digital on quarterly spends of ₹2.5 Lakhs & above per calendar quarter (excluding petrol, IT, GST, EMI spends).
• Until 30th June 2026: Gift Voucher worth ₹2,500 of MakeMyTrip/Reliance Digital on quarterly spends of ₹2.5 Lakhs & above per calendar quarter (excluding rent, petrol, EMI spends).
• Only a single voucher shared as per cardholder choice.
• Redeem within 90 days of communication.

Verified · harvested from product page · 2026-07-30 · source

Reward cap

• Maximum reward points that can be earned in a statement cycle for BizPower is 60,000.
• Insurance transactions capped at 2000 Reward Points per month.
• Grocery transactions capped at 2000 Reward Points per month.
• Utility transactions capped at 2000 Reward Points per calendar month.
• Telecom transactions capped at 2000 Reward Points per calendar month (w.e.f 1st September 2024).
• Credit card purchases done via UPI mode earn up to a maximum of 500 points in a calendar month.

Verified · Key Fact Statement cum Most Important Terms & Conditions (MITC) - English (covers BizPower) · 2026-07-30 · source

Redemption value

• 1 Reward Point = up to ₹0.65.
• Cashback redemption against statement balance: 15 paise per point (w.e.f 1st November 2025).
• Minimum ₹250 required for cashback redemption.
• Rewards Redemption Fee: ₹99 per redemption request.
• Cashback Redemption Charges: ₹50 per cashback redemption.
• For flight & hotel bookings, up to 70% of booking value redeemable via Reward Points (w.e.f 25th July 2020).
• Reward Points valid for 2 years from date of accumulation.

Verified · Key Fact Statement cum Most Important Terms & Conditions (MITC) - English (covers BizPower) · 2026-07-30 · source

Concierge

• Priority Pass lounge access charged at $27 (in INR equivalent) + Taxes per person per visit for BizPower (Priority Pass Lounge Charges) beyond complimentary cap.
• Guests charged at $27 + Taxes per person per visit.

Verified · Key Fact Statement cum Most Important Terms & Conditions (MITC) - English (covers BizPower) · 2026-07-30 · source

Dining benefit

10% extra off on dining bills at 35K+ restaurants when paying with the HDFC Bank BizPower Card.

Verified · Biz Power Credit Card product page · 2026-07-30 · source

Travel benefit

1 Flight cancellation insurance voucher (MakeMyTrip) per calendar quarter, unlocked when spending ₹75,000 or more in the previous calendar quarter (Effective from the calendar quarter starting 1st July 2026).

Verified · harvested from product page · 2026-07-30 · source

Insurance

• Select Credit Card variants have a complimentary insurance cover on the Card.
• The policy coverage starts from the date of the Credit Card set up.
• For information on updating nominee details and terms and conditions, refer to usage guide.

Verified · Key Fact Statement cum Most Important Terms & Conditions (MITC) - English (covers BizPower) · 2026-07-30 · source

Eligibility

• Continued access to card aligned to eligibility criteria.
• HDFC Bank reviews cardmember accounts periodically.
• Add-on cardmembers share the same limit as primary cardholders.
• Cash withdrawal limit: 40% of the credit limit.

Verified · Key Fact Statement cum Most Important Terms & Conditions (MITC) - English (covers BizPower) · 2026-07-30 · source

Official terms

https://www.hdfc.bank.in/business-credit-cards/biz-power-credit-card.

Verified · Biz Power Credit Card product page · 2026-07-30 · source