Joining Fee:
Apply Now₹500 +GST
Return Percentage:0.5% to 1%
Credit Card Overview
An entry-level business card providing rewards on everyday categories like travel, dining, and utilities, tailored for startups and small business owners.
Best Suited For: Cashback
HDFC
Fees and charges at a glance
- Annual fee
- ₹500
- Joining fee
- ₹500
- Reward rate
- 0.5% to 1%
- Forex markup
- 3.5%
- Interest rate
- 45% p.a.
- Add-on card
- Free
Charged every year you keep the card
Paid once when you get the card, plus GST
Depends where you spend
Extra charge on foreign spends
Only if you don't pay the full bill
An extra card for family
HDFC Biz First credit card — Earn Categories
Where you earn more
- Gift Cards via SmartBuy2 Cashpoints / ₹100
A maximum of 1,000 accelerated cashpoints can be earned cumulatively on SmartBuy per calendar month. · Minimum ₹100 per transaction
Other categories
- EMIEMI · EMI3 Cashpoints / ₹100
A maximum of 1000 CashPoints can be earned per calendar month. · Minimum ₹100 per transaction
Everyday rate
- Base Rewards1 CashPoint / ₹100
Minimum ₹100 per transaction
15 more earning categories on this card
We track all 18 of them, with the caps and conditions on each. See the full breakdown against your own spending in the app.
Earns nothing on these
Spends in these categories carry no rewards on this card.
- Rent
- Wallets
- Fuel
- Jewellery