Card features that enable your Business

  • Up to 55 days Interest Free Credit Period.
  • Earn 2 Cash Points on every Rs.150 spent for your business needs

Maximize your Business savings!

  • Earn 10X Cash Points on your select Business spends such as

1. Bill Payment via Payzapp & SmartPay

2. Income Tax/ Advance Tax payment via eportal.incometax.gov.in View steps

3. GST payment via payment.gst.gov.in view steps

4. Hotel & flight booking on MMT MyBiz powered by SmartBuy BizDeals

5. Business Productivity tools like Tally, Office 365, AWS, Google, Credflow, Azure & more via SmartBuy BizDeals - Nuclei 

6. Dmart

7. Cleartax

Note: 10X Cash Points applicable on minimum spends Rs. 10,000 in statement cycle.

Maximum 1,500 Cash Points per statement cycle.

Click here to view your savings on Biz Grow Credit Card

T&C apply

Additional Benefit for your Business

  • Make GST payment using Business Credit Card:  

Via GST portal: payment.gst.gov.in : Click here to view the steps. 

- Click here to view the steps. 

  • SmartBuy BizDeals:  

- Avail upto 40% savings on your Business travel and software purchase on smartbuy.hdfcbank.com/business  

1. Business Travel Benefits via MMT MyBiz :  

- 4% off on Flights and Hotels booking.  

- Discounted Fares, Free Meal & Seat Selection, Low Fees for Cancellation   

2. Business Productivity Tools via – Nuclei :  

-  Instant discount on your Business Software such as Google Workspace, Tally Prime, AWS, Microsoft Azure & more.  

- Get GST Invoice for availing Input Tax Credit  

Card Activation Benefit

Get a Gift voucher worth Rs.250 on making one transaction on your Biz Grow Credit card within first 37 days of card issuance. Voucher is redeemable on top brands like Amazon, Swiggy & more. 

Milestone Benefits

  • Earn 2000 CashPoints every quarter on your quarterly spends of Rs. 1,00,000.  (On all retail spends excluding rent and petrol) 

  • Redeem your CashPoints against statement. (Earn 1 CashPoint = Upto Rs.0.25)

Additional Benefits

  • Fuel Surcharge Waiver: 1% fuel surcharge waiver at all fuel stations across India
    (on minimum transaction of ₹400 and maximum transaction of ₹5000. Max Cashback of ₹250 per statement cycle)
  • Dining Benefits: Get up to 20% savings on all your restaurant bill payments with Swiggy Dineout on paying via Swiggy App using your card (20k + restaurants). Click Here to Know more.
  • SmartPay: 
    - SmartPay is an automatic payment facility available on your Credit Card to pay your utility bills.
    - Get assured cashback upto Rs. 1800 in the first year and exciting e-vouchers worth upto Rs.800 for adding 2 or more bills on Smart Pay.

Steps to enable SmartPay on Netbanking​​​​​​​: 

BillPay & Recharge > Continue > Add Biller > Select Category > Enter Details and Enable Smartpay on Debit/Credit Card Or Cards> Credit cards> Smart Pay> Continue > Add Biller > Select Category > Enter Details and Enable Smartpay on Debit/Credit Card> Choose Biz Grow Credit Card 

Steps to enable SmartPay on Mobile Banking: 

Bill Payments > Add Biller > Select Biller Type> Enter Details and Enable Smartpay on Debit/Credit Card > Choose Biz Grow Credit Card  

  • Smart EMI:

- HDFC Bank Biz Grow Credit Card comes with an option to convert your big spends into EMI after purchase.  

- To know more Click Here 

  • Easy EMI:

Choose EMI option for your large online or in-store purchases using your Biz Grow Credit Card and avail easy repayments using Easy EMI. 

Easy EMI Plan details such as EMI Amount, Total Loan Amount, Rate of Interest will be displayed in the charge slip (in-store purchases) or at the time of transaction (online purchases) 

Click Here to know more.

  • Zero Lost card liability: In the unfortunate event of losing your HDFC Bank Biz Grow Credit Card, on reporting it immediately to Customer Care Toll Free Number: 1800 1600 / 1800 2600, you have zero liability on any fraudulent transactions made on your Credit Card. 

Credit liability cover: Rs. 3 lakh

Business Insurance Benefit:

Secure your Business with specially curated Business Insurance package!

Avail Business Insurance package starting at an annual premium of Rs.3,785 which includes:

  • Fire & Burglary insurance for Shop up to Rs. 5 lacs
  • Cash in Safe/Transit up to Rs.25,000
  • Electronic Equipment insurance excluding terrorism up to Rs.50,000
  • Hospital Cash: Accident only amount payable per day up to Rs.1000  
  • Hospital Cash: Illness only amount payable per day up to Rs.1000 
  • Also, Cardholders have the option to choose higher Business Insurance cover as per their Business need.

Click here to Apply

  • List of Business Insurance plans:
Business Insurance Annual Plan Details Insurance Plan 1Insurance Plan 2 Insurance Plan 3Insurance Plan 4
Fire & Burglary insurance for Shop (excluding Theft)5,00,00010,00,00020,00,00050,00,000
Cash in Safe25,00050,0001,00,0002,50,000
Cash in Transit25,00050,0001,00,0002,50,000
Electronic Equipment insurance (excluding terrorism)50,0001,00,0002,00,0002,50,000
Hospital Cash: Accident Only Amount Payable/ Day 
(30 Days Cover)
Hospital Cash: Illness Only Amount Payable/ Day 
(30 Days Cover)
Total Premium without GST3,2076,22112,44223,886
Total Premium with GST3,7857,34114,68128,185
T&C apply

CashPoint/Cashback Redemption & Validity

Cash Points can be redeemed as:

Click here to know how to redeem your reward points

1 Cashpoint Equivalent toFor Example,
Redeem as cashback against statementRs. 0.251000 CP = Rs.250 
Redeem on SmartBuy (against Flights/Hotel booking)Rs. 0.251000 CP = Rs.250 
Redeem against Product Catalogue via Netbanking & SmartBuyUp to Rs. 0.251000 RP =  Up to Rs.250
Redeem against Business Catalogue via Netbanking & SmartBuy Up to Rs. 0.301000 RP = Up to Rs.300
  • A minimum of 2500 CP is needed to redeem CashPoints against statement balance. 

  • Flights and Hotels redemption, Credit Card members can redeem up to a maximum of 50% of the booking value through CashPoints. Rest of the transaction amount will have to be paid via the Credit Card limit. 

  • With effect from 1st February 2023, cardmembers can redeem upto 70% of product/Voucher value through CashPoints on select vouchers/products and pay the remaining amount via Credit card.  

  • The maximum 15,000 CashPoints can be earned in a statement cycle. 

  • Unredeemed Cash Points will expire/lapse after 2 year of accumulation

Get started with your card

PIN Setting Process:

Set PIN for your card by following any of the below option:

1. By Using MyCards :

  • Visit HDFC Bank MyCards - https://mycards.hdfcbank.com/
  • Enter registered Mobile no and Authenticate using OTP
  • Select "Biz Grow Credit Card"
  • Choose Set Pin and enter your 4 digit pin

2. By using IVR: Call 1860 266 0333 from registered mobile number

  • Key in last 4 digits of your Business Credit Card No
  • Validate with OTP sent on registered mobile no
  • Set 4 digit Pin of your choice

3. By using Mobile banking:

  • Login to Mobile Banking
  • Go to "Cards" Section and Select "Biz Grow Credit Card"
  • Choose Change Pin and Enter your 4 digit Pin & confirm
  • Authenticate using OTP
  • Pin Generated Successfully

4. By using Net banking:

  • Login to Net banking
  • Click on "Cards" and visit "Request" Section
  • Choose Instant Pin generation
  • Select card number and enter your 4 digit Pin

For more details click here 

  • Contactless Payment:

Your HDFC Bank Biz Grow Credit Card is enabled for contactless payments, facilitating fast, convenient, and secure payments at retail outlets.

Please note that in India, payment through contactless mode is allowed for a maximum of ₹5000 for a single transaction where you are not asked to input your Credit Card PIN. However, if the amount is higher than or equal to ₹5000, the Card holder has to enter the Credit Card PIN for security reasons

  • Manage your Card on the go:

Now access your HDFC Bank Biz Grow Credit Card 24/7 on the go with our HDFC Bank MyCards platform

  • Enable online & contactless usage
  • View - Transaction, Cash Points, Statements & more.
  • Manage - online usage, contactless usage, set limits, enable & disable
  • Check - Credit card outstanding, due date and more

For more details, click here

  • Set Card Control:

You can enable the services using MyCards (preferred)Link - https://mycards.hdfcbank.com / EVA / WhatsApp Banking / Net Banking.

Click Here for more details

Customer care details: 

  • Toll Free: 1800 202 6161\ 1860 267 6161 

  • Email: customerservices.cards@hdfcbank.com 


Fees & Charges

Savings on Card