Product Banner
Overview Eligibility Features & Benefits Fees & Charges Documents FAQs Terms & Conditions

Product Overview

HDFC Biz Grow

HDFC Bank Biz Grow Credit Card is designed for self-employed professionals, business owners, traders, shopkeepers, and MSMEs. The card offers accelerated rewards on GST payments, Income Tax payments, utility bills, PayZapp transactions, and business-related expenses, making it a suitable option for growing businesses.

Great Rewards
Wide Acceptance
100% Digital & Secure

Eligibility Criteria

Applicant must be an Indian citizen.
Age: 21 to 65 years.
Self-employed professional, trader, MSME owner, business owner, or entrepreneur.
Annual ITR: ₹6 Lakh+ (some application channels may require higher income criteria).
Good CIBIL Score (750+ preferred).
Applications can be processed using ITR, GST Returns, Bank Statements, or Merchant Payment Reports.

Features & Benefits

4% Savings on bill payments via PayZapp, Income Tax payments, GST payments, and grocery purchases at D-Mart.
Earn 10X CashPoints on select business spends through eligible merchant categories.
2,000 Bonus CashPoints on quarterly spends of ₹1,00,000.
1% Fuel Surcharge Waiver on eligible fuel transactions.
Up to 55 Days Interest-Free Credit Period.
Business expense tracking and cash flow management benefits.
Smart EMI facility available on eligible transactions.
Contactless payment enabled.

Fees & Charges

Joining Fee: ₹500 + GST
Annual Fee: ₹500 + GST
Joining Fee: ₹500 + GST.
Annual Fee: ₹500 + GST.
Annual Fee Waiver: Spend ₹1 Lakh in an anniversary year.
Interest-Free Period: Up to 55 Days.
Finance Charges: Up to 3.75% per month (45% p.a.).
Forex Markup Fee: 3.5%.
Cash Advance Charges: 2.5% of amount withdrawn (Minimum ₹500).
Late Payment Charges: As per HDFC Bank policy. 

Documents Required

PAN Card
Aadhaar Card / Passport / Driving Licence
Income Tax Return (ITR)
GST Returns (if applicable)
Business Registration Proof
Bank Statements (Last 6 Months)
Merchant Payment Report (if applicable)

FAQs

View / Toggle All

Self-employed professionals, business owners, traders, and MSMEs meeting HDFC Bank's eligibility criteria can apply.

The joining and annual fee is ₹500 + GST.

Yes, by spending ₹1 lakh or more in an anniversary year.

Cardholders receive 2,000 Bonus CashPoints on quarterly spends of ₹1 lakh.

Savings on GST payments, Income Tax payments, bill payments through PayZapp, D-Mart purchases, and accelerated CashPoints on eligible business spends. 

Terms & Conditions

CashPoints are credited only on eligible merchant categories and transactions.
Milestone benefits are applicable only after achieving the required spending threshold.
Fuel surcharge waiver is applicable only on eligible fuel transactions.
Annual fee waiver is available only after spending ₹1 lakh in an anniversary year.
Approval is subject to HDFC Bank's credit assessment and verification process.

Apply for HDFC Biz Grow

Get instant approval with zero paperwork and exclusive partner rewards.

Apply Now
It's quick, secure and hassle-free
Share This Product
Card At A Glance
Joining Fee ₹500 + GST
Annual Fee ₹500 + GST
Rewards 4% Savings on bill payments via PayZapp, Income Tax payments, GST payments, and grocery purchases at D-Mart.
Best For Shopping & Lifestyle
Network Visa / RuPay
Card Type HDFC BANK