Credit Cards · Honest Review
HDFC Bank Biz First Credit Card
HDFC Bank · Visa
Your Verdict
- ✓5% cashback on business-related online spends
- ✓GST billing for corporate expense management
- ✓Zero liability on fraudulent transactions
- ✓₹500 fee waived at ₹1.5L annual spend
- ✓Track business expenses via HDFC NetBanking
What HDFC Bank Biz First Credit Card costs you
HDFC Bank Biz First Credit Card carries a ₹500 annual fee and a ₹500 one-time joining fee. The annual fee is waivable: Spend ₹1.5L/year.
| Fee | Amount |
|---|---|
| Annual fee (year 2+) | ₹500 |
| Joining fee (one-time) | ₹500 |
| Fee waiver condition | Spend ₹1.5L/year |
| Spend required for waiver | ₹1,50,000 / year |
| Foreign transaction fee (forex markup) | Not disclosed / standard rates apply |
What you earn on every rupee spent
HDFC Bank Biz First Credit Card earns 1.00% on all eligible spends as a base reward rate, with accelerated rates on online shopping, dining & food and other bonus categories listed below.
| Category | Reward rate |
|---|---|
| All other spends (base rate) | 1.00% |
| 🛒 Online Shopping | 5% (cap ₹1,000/mo) |
| 🍽️ Dining & Food | 5% (cap ₹1,000/mo) |
Reward types: Cashback
Beyond the reward rate
The non-reward benefits on HDFC Bank Biz First Credit Card are meaningful for frequent users. Here is what you get with the card.
Who can apply for HDFC Bank Biz First Credit Card
HDFC Bank Biz First Credit Card requires a minimum net monthly income of ₹30,000 for salaried applicants. It is open to self-employed professionals and salaried employees.
| Requirement | Detail |
|---|---|
| Minimum monthly income | ₹30,000 |
| CIBIL score | Not specified — clean history expected |
| Age range | 21–60 years |
| Employment type | Self-employed, Salaried |
| Typical approval time | 7–10 working days |
Who should (and shouldn't) get HDFC Bank Biz First Credit Card
- → Heavy spenders on online shopping who want 5% back
- → Heavy spenders on dining & food who want 5% back
- → Moderate spenders who can clear the fee waiver condition
- → Frequent flyers who need airport lounge access
HDFC Bank Biz First Credit Card — Questions answered
What is the annual fee for HDFC Bank Biz First Credit Card?
What is the minimum income required for HDFC Bank Biz First Credit Card?
What is the reward rate on HDFC Bank Biz First Credit Card for online shopping?
Does HDFC Bank Biz First Credit Card provide airport lounge access?
How do I get the annual fee waived on HDFC Bank Biz First Credit Card?
How long does it take to get HDFC Bank Biz First Credit Card approved?
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Get My Personalised Verdict →Information on this page is gathered from public sources and the card issuer's official website. Fees and reward rates may change — verify the current terms on the issuer's website before applying. SingleVerdict may earn a referral fee if you apply through our links, which does not affect our scoring or editorial decisions.