HDFC Bank BizFirst Credit Card

Charge

• Cash advance fee: 2.5% or ₹500 whichever is higher.
• Finance charge / revolving credit: 3.75% per month (45% annually) w.e.f 1st Aug'24.
• Charges on overlimit account: 2.5% of overlimit amount, min ₹550.
• Payment Return Charges: 2% of payment amount, min ₹450.
• Cash Processing Fee: ₹100.
• Rewards Redemption Fee: ₹99 per request.
• Cashback Redemption Charges: ₹50 per cashback redemption.
• Balance Transfer Processing Charges: 1% of BT amount or ₹250 whichever higher.
• Duplicate physical statement: ₹10.
• Reissue of Lost/Stolen/Damaged Card: ₹100.
• Outstation Cheque Processing: ₹25 (up to ₹5,000) / ₹50 (above ₹5,000).
• Dynamic Currency Conversion Markup Fee: 1% (w.e.f 1st Jan 2023).
• Add-on Card Fee: Lifetime Free.
• Rent Pay Transactions: 1% of transaction amount (w.e.f 1st Jul 2025), capped ₹4999 per transaction.
• Fuel Charges: 1% fee on fuel spends exceeding ₹30,000 for business cards, capped ₹4999 per transaction.
• Utility Charges: 1% fee on utility spends exceeding ₹75,000 per calendar month for business cards, capped ₹4999 per month.
• Education Charges: 1% on education via third-party apps, capped ₹4999 per transaction.
• Online Skill based Gaming: 1% on spends exceeding ₹10,000 per calendar month (w.e.f 1st Jul 2025), capped ₹4999 per month.
• Wallet Loading (excl PayZapp): 1% on spends exceeding ₹10,000 per calendar month (w.e.f 1st Jul 2025), capped ₹4999 per month.
• Global Value Program: ₹199 + GST annual.
• Late Payment Charges: Nil up to ₹100.
• ₹100 (₹101-500).
• ₹500 (₹501-1,000).
• ₹600 (₹1,001-5,000).
• ₹750 (₹5,001-10,000).
• ₹900 (₹10,001-25,000).
• ₹1100 (₹25,001-50,000).
• ₹1300 (above ₹50,000) (w.e.f 1st Aug'24).

Verified · MITC – Business Credit Cards (covers BizBlack Metal, BizPower, BizGrow, BizFirst, GIGA Business) · 2026-08-02 · source

Interest-free period

Interest free credit period ranges from 25 to 55 days (for BizFirst and other business cards).

Verified · MITC – Business Credit Cards (covers BizBlack Metal, BizPower, BizGrow, BizFirst, GIGA Business) · 2026-08-02 · source

Fuel surcharge waiver

1% fuel surcharge waiver on fuel transactions (minimum transaction ₹400, maximum transaction ₹5,000), maximum waiver of ₹250 per statement cycle.

Verified · harvested from product page · 2026-08-02 · source

Milestone benefit

• 2000 CashPoints on quarterly spends of ₹75,000 & above (Fuel & Rent spends not considered towards spend target).
• Calendar quarters Jan-Mar, Apr-Jun, Jul-Sep, Oct-Dec.

Verified · BizFirst Credit Card product page · 2026-08-02 · source

Reward cap

• Category caps: 3% EMI max 1000 CP/month.
• 2% max 500 CP/month.
• 1% max 500 CP/month.
• Maximum reward points that can be earned in a statement cycle is 15,000.
• CashPoints for insurance transactions capped at 2,000 per day.
• Grocery capped at 2,000 CP per month.
• Redemption for flights/hotels bookings and CashBack redemption capped per calendar month at 50,000.

Verified · MITC – Business Credit Cards (covers BizBlack Metal, BizPower, BizGrow, BizFirst, GIGA Business) · 2026-08-02 · source

Reward exclusion

Verified · BizFirst Credit Card product page · 2026-08-02 · source

Dining benefit

• Save up to 7.5% on restaurant bill payments via Swiggy Dineout (20,000+ restaurants).
• Offer inclusive of Restaurant and Swiggy Discount, valid only on payments done via Swiggy App.

Verified · harvested from product page · 2026-08-02 · source

Travel benefit

• Business travel benefits via MMT MyBiz: up to 3% off on Domestic Flights (up to ₹500), up to 3% off on International Flights (up to ₹750), up to 4% off on Hotels (up to ₹500).
• Up to 40% off on business software via SmartBuy Biz Deals (Nuclei).

Verified · harvested from product page · 2026-08-02 · source

Insurance

• Zero lost card liability with credit liability cover of ₹3 lakh.
• Optional Business Insurance package at annual premium of ₹3,785 (incl. GST): Fire & Burglary insurance for Shop up to ₹5 lacs.
• Cash in Safe/Transit up to ₹25,000.
• Electronic Equipment insurance excl. terrorism up to ₹50,000.
• Hospital Cash (Accident only) up to ₹1000/day.
• Hospital Cash (Illness only) up to ₹1000/day.
• Higher cover plans available at discounted premium.

Verified · harvested from product page · 2026-08-02 · source

Eligibility

• Self-employed Indian citizen aged between 21 and 65 years.
• Annual ITR above ₹6 lakhs (may apply using ITR, GST returns, Bank Statements and Merchant payment report).

Verified · harvested from product page · 2026-08-02 · source