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

Product Overview

HDFC Biz Power

HDFC Bank Biz Power Credit Card is a premium business credit card designed for self-employed professionals, business owners, MSMEs, traders, and entrepreneurs. The card offers accelerated rewards on GST payments, income tax payments, utility bills, Google Ads, Meta Ads, electronics purchases, and other business expenses, along with lounge access and milestone benefits.

Great Rewards
Wide Acceptance
100% Digital & Secure

Eligibility Criteria

Applicant must be an Indian citizen.
Age: 21 to 65 years.
Self-employed professional, trader, business owner, MSME owner, or entrepreneur.
Annual ITR: ₹12 Lakh or above.
Applications can be processed using:
ITR
GST Returns
Bank Statements
Merchant Payment Reports
Good CIBIL Score (750+ preferred).

Features & Benefits

9% savings on Income Tax payments, GST payments, bill payments via PayZapp, Google Ads, Meta Ads, and electronics purchases through Reliance Digital.
5X Reward Points on eligible business spends including utility payments, tax payments, software purchases, and business-related transactions.
Welcome Benefit: Amazon Pay Voucher worth ₹1,500 on completing one online transaction within 30 days of card issuance.
Complimentary Amazon Prime Annual Membership.
Complimentary Biz Prime Membership (6 Months).
Travel Voucher worth ₹2,500 on spending ₹2.5 lakh in a quarter.
Up to 16 Complimentary Domestic Airport Lounge Visits per Year.
Up to 6 Complimentary International Airport Lounge Visits per Year.
Interest-free credit period of up to 55 days.
Contactless payment and Smart EMI facility available.

Fees & Charges

Joining Fee: ₹2500 + GST
Annual Fee: ₹2500 + GST
Joining Fee: ₹2,500 + GST.
Annual Fee: ₹2,500 + GST.
Annual Fee Waiver: Spend ₹4 Lakh or more in a membership year.
Forex Markup Fee: 2%.
Interest-Free Period: Up to 55 Days.
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

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Self-employed professionals, business owners, traders, MSMEs, and entrepreneurs with annual ITR of ₹12 lakh or more can apply.

The joining and annual fee is ₹2,500 + GST.

Yes, by spending ₹4 lakh or more in a membership year.

Yes, up to 16 domestic and 6 international lounge visits annually.

The card offers accelerated rewards on GST payments, income tax payments, Google Ads, Meta Ads, bill payments, and business software purchases.

Terms & Conditions

Accelerated reward points are applicable only on eligible merchant categories.
Airport lounge access is subject to program terms and usage limits.
Annual fee waiver is applicable only after meeting the spending threshold.
Welcome benefits are subject to activation and transaction requirements.
Approval is subject to HDFC Bank's credit assessment and verification process. 

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Card At A Glance
Joining Fee ₹2500 + GST
Annual Fee ₹2500 + GST
Rewards 9% savings on Income Tax payments, GST payments, bill payments via PayZapp, Google Ads, Meta Ads, and electronics purchases through Reliance Digital.
Best For Shopping & Lifestyle
Network Visa / RuPay
Card Type HDFC BANK