HDFC Bank BizFirst Business Credit Card

HDFC Bank · Open to apply

HDFC's entry business card. It pays CashPoints worth about ₹0.10 each: 3% on EMI spends, 2% on utility bills and electronics and 1% on other spends including UPI, with small monthly caps, plus 2,000 CashPoints on ₹75,000 a quarter, for ₹500 a year waived at ₹50,000.

Annual fee
₹500 + GST a year
Joining fee
₹500 + GST
Fee waiver
Annual fee waived on ₹50,000 spend per card year
Base rate
1% CashPoints on all other spends, including UPI: 1 CashPoints per ₹100 (about 0.1% at cash value)
Lounges
None on record
Forex markup
3.5%
Data
From bank documents, checked 6 Nov 2026

Main earn rates

  • SmartBuy at IGP, Jockey and PharmEasy, 10% cashback: 10% in SmartBuy cashback on top of the base rate (about 10% at cash value)
  • SmartBuy flights and hotels, 5% cashback: 5% in SmartBuy cashback on top of the base rate (about 5% at cash value)
  • SmartBuy at Myntra, Nykaa, redBus, Zoomcar, Apple (Imagine Tresor) and MakeMyTrip holiday packages, 5% cashback: 5% in SmartBuy cashback on top of the base rate (about 5% at cash value)
  • SmartBuy instant brand vouchers, 5% cashback: 5% in SmartBuy cashback on top of the base rate (about 5% at cash value)
  • SmartBuy ConfirmTkt train tickets, 1% cashback: 1% in SmartBuy cashback on top of the base rate (about 1% at cash value)

Earns nothing on

  • No CashPoints on fuel
  • No CashPoints on rent
  • No CashPoints on education, including fees paid through third-party apps
  • No CashPoints on wallet, gift and prepaid card loads or voucher purchases
  • No CashPoints on cash advances
  • No CashPoints on online skill-based gaming (from 1 July 2025)

Where the sources disagree

  • interest rate: The 2024 FAQ says revolving credit costs 3.60% a month; the MITC v4.15 gives 3.75% for all variants not named. The MITC is used.
  • value of a CashPoint against the statement: The product page's feature line says "1 CashPoint = up to ₹0.15" and the 2024 FAQ says 100 CashPoints = up to ₹15; its redemption table and MITC clause x (from 1 November 2025) say 10 paise. The MITC is used.
  • share of a flight or hotel booking payable in points: The product page says up to 50% of the booking value can be paid in points; MITC clause s, which names BizFirst, says up to 70%. The MITC is used.
  • fee for redeeming CashPoints against the statement: The 2024 T&C says there is no handling charge for cashback redemption; MITC v4.15 charges ₹50 + GST for each cashback redemption request (from 1 August 2024) on every card except those it names. The MITC is used.
  • period of the 3% and 2% CashPoint caps: The T&C and the product page's benefit list cap each tier per calendar month; the page's value chart says "per statement cycle" for the 3% and 2% tiers. The T&C's calendar month is used.
  • minimum for redemption against the statement: The product page asks for at least 2,500 CashPoints (₹250 at 10 paise); the MITC's table gives a ₹250 minimum cashback redemption for Biz First, so the two agree in rupees.
  • cap on insurance CashPoints: The card's T&C (published 30 July 2024) caps insurance CashPoints at 2,000 a day; MITC v4.15 clause e, "With effect from 1st July 2025", caps them at 2,000 a month for "all other credit cards", and BIZ First is not named among the cards with other caps. The T&C predates the change, so the daily cap is kept until 30 June 2025 and the monthly cap from 1 July 2025.
  • cap on grocery CashPoints: The card's T&C caps grocery CashPoints at 2,000 a month; MITC v4.15 clause m caps grocery points at 1,000 a month "for the rest of the cards" from 1 January 2023, and clause n's note lists "BIZ First" among the cards for which "the capping as per the product feature will continue to be applicable". The T&C (published after the 2023 clause) is the card's own document and is used. Either cap is above the 500-CashPoint monthly cap on other spends.

Terms the calculator does not value

  • HDFC pays the 2% on all SmartPay and PayZapp transactions, whatever the merchant, and "utility bills" mean MCC 4900 only. Utility and electronics spend gets the 2% anywhere; telecom bills get it through the SmartPay and PayZapp payment routes (counted only when switched on); other SmartPay or PayZapp payments are not matched.
  • SmartBuy cashback applies only to purchases through the SmartBuy portal and only if the calculator's portal option is on. The product page names only Myntra, MakeMyTrip and Apple Imagine Tresor; the full list is from the SmartBuy table's "Other credit card" column, which is assumed for BizFirst. How HDFC posts it to this card is not stated.
  • On the RuPay variant UPI spends earn the 1% inside the same 500-CashPoint monthly cap; the other networks cannot use UPI. The 500-point UPI footnote on the page is the same limit.
  • The page's "Earn 1 CashPoint = up to ₹0.15" is the best redemption; the statement credit rate is ₹0.10, so cash-style redemption is valued at 10 paise.

Sources

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