HDFC Bank BizPower Credit Card

Interest-free period

• Interest free credit period ranges from 25 to 55 days (BizPower).
• For example, if billing date is 4th, a purchase made on 5th April has a credit period of 54 days, while a purchase made on 2nd May has a credit period of 27 days.

Verified · Most Important Terms & Conditions (MITC) – covers BizPower · 2026-08-04 · source

Fuel surcharge waiver

• 1% fuel surcharge waiver on minimum transaction of ₹400 & maximum transaction of ₹5000.
• Maximum waiver of ₹500 per statement cycle (plus GST).
• Reward Points will not be accrued on fuel transactions for BizPower.

Verified · MITC (Co-branded & Business Cards – includes BizPower, updated 08 May 2026) · 2026-08-04 · source

Milestone benefit

• Gift Voucher worth ₹5,000 of MakeMyTrip/Reliance Digital on quarterly spends of ₹2.5 Lakh & above per calendar quarter (excluding petrol, IT, GST, EMI spends) from 1st July 2026.
• Until 30th June 2026, Gift Voucher worth ₹2,500 of MakeMyTrip/Reliance Digital on quarterly spends of ₹2.5 Lakh & above per calendar quarter (excluding rent, petrol, EMI spends).
• Only a single voucher per quarter as per cardholder choice.
• Benefit communicated within 30 days of condition met and redeemable within 90 days.

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

Redemption value

• For statement balance cashback redemption (w.e.f 1st November 2025): 15 paise per point for Biz Power.
• Flight & hotel bookings on SmartBuy: redeem up to 50% of booking value via Reward Points (up to 70% for select vouchers/products w.e.f 1st Feb 2023).
• Reward Points valid for 2 years from date of accumulation.
• Rewards Redemption Fee ₹99 per redemption request (Products/Vouchers/Airmiles).
• Cashback Redemption Charges ₹50 per cashback redemption.

Verified · Most Important Terms & Conditions (MITC) – covers BizPower · 2026-08-04 · source

Reward cap

• Accelerated 5X Reward Points on Business Essential spends capped at 5,000 RP per statement cycle (excluding Wallet Load spends).
• Max Reward Points that can be earned in a statement cycle for BizPower is 60,000.
• Reward Points on Utility transactions capped at 2,000 per calendar month.
• Telecom & Cable capped at 2,000 per calendar month.
• Insurance capped at 2,000 per month.
• Grocery capped at 2,000 per month.
• Flights & hotel booking redemption on SmartBuy capped at 50,000 RP per calendar month.
• Cashback redemption capped at 50,000 RP per calendar month.

Verified · BizPower Credit Card Reward Points Program Terms & Conditions · 2026-08-04 · source

Reward exclusion

Verified · BizPower Credit Card Reward Points Program Terms & Conditions · 2026-08-04 · source

Travel benefit

• Priority Pass lounge charges for BizPower: all lounge visits within India using Priority Pass charged at $27 (in INR equivalent) + taxes per person per visit.
• Visits outside India beyond complimentary cap charged at $27 (in INR equivalent) + taxes.
• All guests charged at $27 (in INR equivalent) + taxes per person per visit.

Verified · Most Important Terms & Conditions (MITC) – covers BizPower · 2026-08-04 · source