The HDFC Bank BizFirst Credit Card is the entry point to HDFC’s business card range. It costs just ₹500 + GST, waived once you spend ₹50,000 in a year, and pays CashPoints of 1% to 3% on business expenses, including UPI payments. Like all HDFC Biz cards, it gives up to 55 days of interest-free credit on business expenses, which can smooth out cash flow between paying suppliers and getting paid by customers.
How the CashPoints work
| Where you spend | CashPoints | Cap |
|---|---|---|
| EMI spends | 3% | 1,000 a month |
| Utility bills, electronics, SmartPay and PayZapp | 2% | 500 a month |
| All other spends, including UPI | 1% | 500 a month |
| Quarterly milestone: ₹75,000 spend (excluding rent and petrol) | 2,000 CashPoints | Every quarter |
Caps matter: the monthly limits are low, so the earning potential is up to 2,000 CashPoints a month from the three buckets, plus 8,000 a year from milestones. Rent and petrol don’t count towards the milestone.
What you would actually earn
A small business that spends ₹25,000 a month, including ₹10,000 on utilities and electronics and the rest on supplies, collects about 350 CashPoints a month. At ₹75,000 a quarter it also earns 2,000 points every quarter, for a yearly total of roughly 12,200 CashPoints. The redemption value of a CashPoint is not stated in the offer, so check it on HDFC’s site.
Other benefits
- Welcome voucher: ₹250 gift voucher for brands like Amazon and Swiggy on one transaction within 37 days of card issuance.
- SmartBuy: up to 5% cashback on travel and online shopping.
- SmartPay and PayZapp: automate utility bills for assured cashback of up to ₹1,800 in the first year, plus e-vouchers up to ₹800 for adding two or more bills.
- Dining: up to 7.5% savings on Swiggy Dineout at 20,000+ restaurants.
- Fuel: 1% surcharge waiver on ₹400–₹5,000 transactions, up to ₹250 per statement cycle.
Fees and charges
| Joining fee | ₹500 + GST |
|---|---|
| Annual fee | ₹500 + GST |
| Annual fee waiver | Spend ₹50,000 or more in the previous year |
| Interest-free period | Up to 55 days |
Eligibility
| Age | 21 to 65 years |
|---|---|
| Employment | Self-employed individuals and business owners |
| Income | ITR above ₹6 lakh a year |
Documents you will need
- Identity: PAN card (or Form 60)
- Address: Aadhaar, passport or a recent utility bill
- Income: recent bank statements or ITR-backed income proof
- Photo: a recent passport-size photograph
How to apply
- Tap Apply on HDFC Bank site on this page to open HDFC Bank’s business credit card application.
- Complete the form in one session, using the mobile number linked to your Aadhaar.
- Finish video KYC from your current address when prompted.
- Once the card arrives, activate it with your first transaction and set up SmartPay for recurring business bills.
Who should get it, and who shouldn’t
Get it if you are a freelancer, shop owner or small business wanting to separate business spending from personal spending, with an ITR above ₹6 lakh. The low fee and easy waiver make it close to free.
Skip it if your business spends lakhs every month. The low caps will limit you, and BizPower or BizBlack will return more.
Tip: a separate business card makes bookkeeping and GST input claims much easier, because every business expense sits on one statement. Pay the full bill each month; business card interest is as expensive as on any personal card.
