HDFC Bank BizFirst Credit Card
- Joining fee
Rs. 500 + GST
- Annual fee
Rs. 500 + GST
- Best suited for
Business Expenses
- Reward type
Reward Points
Rewards
- Rewards rate
3% CPs on EMI Spends, 2% CPs on Utility Bill Payments and Smartpay/Payzapp and 1% CPs on Other Spends Including UPI Spends.
- Welcome benefits
Voucher Worth Rs. 250
- Reward redemption
Rewards Can Be Redeemed for Vouchers, Flight/Hotel Bookings, and Cashback Against Statement
Benefits
- Movie & dining
Dining Discounts Via Swiggy Dineout
Fees & charges
- Spend-based waiver
Renewal Fee Waiver on Spends of Rs. 50,000
- Rewards redemption fee
₹99 + GST
- Foreign currency markup
3.5%
- Interest rates
3.75% Monthly (45% Annually)
- Fuel surcharge waiver
Waiver Up to ₹250 Each Statement Cycle on Transactions Between ₹400 and ₹5,000
- Cash advance charges
2.5% or Rs. 500
Product highlights
- This is a card most suited for businessmen.
- This card offers 55 days of interest-free credit.
- One can earn a maximum of 15,000 Reward Points with this card.
- Although there are no entertainment benefits offered, cardholders can avail special discount on dining bills via Swiggy.
Pros & cons
Pros
- This card comes at a low joining fee of Rs. 500.
Cons
- Other than a decent reward structure, this card doesn’t offer any other benefits.
FAQs
What is the interest-free credit period for this card?
The Biz First Credit Card offers 55 days of interest-free credit period.
Does this card offer any welcome benefits?
Cardholders can avail of ₹250 vouchers from Amazon or Swiggy on making their first transaction within 37 days of card issuance.
Is the HDFC BizFirst Credit Card lifetime free?
No, the HDFC BizFirst Credit Card comes at a joining and annual fee of ₹500 which can be waived by spending ₹50,000 a year.
Do I get any insurance benefits with this card?
This card does not offer complimentary insurance, but you can purchase the business insurance plan for a premium of ₹3,785.