HDFC Bank BizGrow Credit Card

Interest-free period

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

Verified · MITC – BizGrow Business Credit Card (card-specific) · 2026-08-04 · source

Fuel surcharge waiver

• 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000.
• Waiver capped at ₹250 per billing cycle.
• Fuel surcharge waiver capped at 1% of eligible fuel transaction amount.
• GST on fuel surcharge not reversed.

Verified · MITC – BizGrow Business Credit Card (card-specific) · 2026-08-04 · source

Milestone benefit

• 2,000 CashPoints on achieving spends of ₹1,00,000 within a calendar quarter (Jan-Mar, Apr-Jun, Jul-Sep, Oct-Dec).
• Fuel & Rent spends not considered towards target.

Verified · harvested from product page · 2026-08-04 · source

Redemption value

• 1 CashPoint = ₹0.25 for cashback against statement (minimum 2,500 CP required).
• Redemption of CashPoints via reward catalogue attracts ₹99 + Taxes handling charges.
• Cashback against statement has no redemption handling charges.
• CashPoints redemption for flights & hotels bookings and CashBack redemption capped at 50,000 per calendar month.
• Reward Points/CashPoints valid for 2 years from date of accumulation.

Verified · harvested from product page · 2026-08-04 · source

Reward cap

• Accelerated 10X CashPoints on Business Essential spends capped at 1,500 CP per statement cycle (excluding Wallet Load).
• Grocery capped at 2,000 CashPoints per month.
• Insurance transactions capped at 2,000 CashPoints per day (10,000/2,000 per month w.e.f 1st July 2025 per MITC).
• Utility and Telecom & Cable transactions each capped at 2,000 Reward Points per calendar month.
• Max reward points per statement cycle for BizGrow is 15,000.

Verified · harvested from product page · 2026-08-04 · source

Reward exclusion

Verified · harvested from product page · 2026-08-04 · source

Dining benefit

Save up to 20% on dining bills paid via Swiggy Dineout (FLAT 10% EXTRA OFF on dining bills at 35K+ restaurants when paying with the BizGrow Card).

Verified · harvested from product page · 2026-08-04 · source

Travel benefit

• Up to 40% savings on business travel and software purchase via SmartBuy BizDeals (smartbuy.hdfcbank.com/business).
• Up to 3% off on domestic and international flight bookings and up to 4% off on hotel bookings via MMT My Biz platform.
• Up to 5% cashback on travel/online shopping on SmartBuy.

Verified · BizGrow Credit Card product page · 2026-08-04 · source

Insurance

• Business Insurance package available starting at an annual premium of ₹3,785 which includes Fire & Burglary insurance for Shop up to ₹5 lacs.
• Cardholders can choose higher cover as per business need.

Verified · BizGrow Credit Card product page · 2026-08-04 · source

Statement credit

• Cashback amount credited to the card account will be adjusted towards the next statement balance.
• Cashback credits are not considered as payment for the last statement (customer must pay previous statement outstanding).

Verified · MITC – BizGrow Business Credit Card (card-specific) · 2026-08-04 · source

Eligibility

A Self Employed Indian Citizen aged between 21 years to 65 years.

Verified · BizGrow Credit Card product page · 2026-08-04 · source

Official terms

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

Verified · BizGrow Credit Card product page · 2026-08-04 · source