Credit Cards · Honest Review
HDFC Bank Business Power Credit Card
HDFC Bank · Visa
Your Verdict
- ✓5X reward points on all business-related spends
- ✓2 domestic lounge visits per quarter
- ✓Dedicated business travel and insurance benefits
- ✓GST billing and expense management tools
- ✓₹2,500 fee waived at ₹4L annual spend
What HDFC Bank Business Power Credit Card costs you
HDFC Bank Business Power Credit Card carries a ₹2,500 annual fee and a ₹2,500 one-time joining fee. The annual fee is waivable: Spend ₹4L/year.
| Fee | Amount |
|---|---|
| Annual fee (year 2+) | ₹2,500 |
| Joining fee (one-time) | ₹2,500 |
| Fee waiver condition | Spend ₹4L/year |
| Spend required for waiver | ₹4,00,000 / year |
| Foreign transaction fee (forex markup) | Not disclosed / standard rates apply |
What you earn on every rupee spent
HDFC Bank Business Power Credit Card earns 5.00% on all eligible spends as a base reward rate, with accelerated rates on online shopping, travel & flights, dining & food and other bonus categories listed below.
| Category | Reward rate |
|---|---|
| All other spends (base rate) | 5.00% |
| 🛒 Online Shopping | 5% |
| ✈️ Travel & Flights | 5% |
| 🍽️ Dining & Food | 5% |
5,000 reward points on joining
Reward types: Points
Beyond the reward rate
The non-reward benefits on HDFC Bank Business Power Credit Card are meaningful for frequent users. Here is what you get with the card.
Who can apply for HDFC Bank Business Power Credit Card
HDFC Bank Business Power Credit Card requires a minimum net monthly income of ₹1,00,000 for salaried applicants. It is open to self-employed professionals and salaried employees.
| Requirement | Detail |
|---|---|
| Minimum monthly income | ₹1,00,000 |
| 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 Business Power Credit Card
- → Heavy spenders on online shopping who want 5% back
- → Heavy spenders on travel & flights who want 5% back
- → Frequent travelers who value airport lounge access
- → Moderate spenders who can clear the fee waiver condition
HDFC Bank Business Power Credit Card — Questions answered
What is the annual fee for HDFC Bank Business Power Credit Card?
What is the minimum income required for HDFC Bank Business Power Credit Card?
What is the reward rate on HDFC Bank Business Power Credit Card for online shopping?
Does HDFC Bank Business Power Credit Card provide airport lounge access?
How do I get the annual fee waived on HDFC Bank Business Power Credit Card?
How long does it take to get HDFC Bank Business Power Credit Card approved?
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