Card features that enable your Business

  • Up to 55 days Interest Free Credit Period.
  • Earn 4 Reward Points on every Rs.150 spent for your business needs (1 Reward Point = Upto Rs. 0.50)

Maximize your Business savings!

  • Earn 5X Reward 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. Google Ads

7. Reliance Digital

Note: 5X Reward Points applicable on minimum spends Rs. 25,000 in statement cycle.

Earn maximum 5,000 Reward Points per statement cycle.

Click here to view your savings on Biz Power 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  

Complimentary Airport Lounge visits

  • Domestic airport lounge: 
    - Upto 16 airport lounge access within India per calendar year
    - 2 complimentary lounge access per quarter
    - Additional 2 complimentary lounge access on spending of Rs.75,000 in the previous quarter. 
    Click here to check the list of lounges
  • International airport lounge:
    - Cardholders can access international lounge using Priority Pass
    - You can apply for Priority Pass for self and add on members once you complete minimum 4 retail transactions on your Biz Power Credit Card. Click here to apply
    - 6 International lounge access via Priority Pass*/ Year

Click Here to Know More.

Welcome Benefits

Get Amazon Prime Annual Membership + Biz Prime 6 Months subscription on 1 online transaction within first 30 days of card issuance. 

T&C Apply

Milestone Benefits

Get Gift Voucher worth Rs.2500 of MakeMyTrip/Reliance Digital on Quarterly spends of Rs 2.5 Lakhs. (On all retail spends excluding rent and petrol)

T&C Apply

Renewal Offer

Renewal fee waived off if you spend Rs.4 Lakhs and more in the previous year​​​​​​​​​​​​​​

Addition Features

  • 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.
  • SmartBuy: Get up to 10X Reward Points on Flipkart, MakeMyTrip, Apple Imagine Tresor, on SmartBuy
  • 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 Power 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 Power Credit Card 
  • Smart EMI: 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 Power 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 Power Credit Card, on reporting it immediately to our 24-hour call centre, you have zero liability on any fraudulent transactions made on your Credit Card.

Credit liability cover: Rs. 9 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 DetailsInsurance 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

Reward Point/RewardBack Redemption & Validity

Reward Points can be redeemed as:

Click here to know how to redeem your reward points

1 Reward Point Equivalent toFor Example,
Redeem as cashback against statement Rs. 0.20 1000 RP = Rs.200 
Redeem on SmartBuy (against Flights/Hotel booking) Rs. 0.51000 RP = Rs.500 
Redeem against Product Catalogue via Netbanking & SmartBuy  Up to Rs. 0.351000 RP =  Up to Rs.350
Airmiles conversion via Netbanking 0.5 Airmiles 1000 RP = 500 Airmiles 
Redeem against Business Catalogue via Netbanking & SmartBuy Up to Rs. 0.651000 RP = Up to Rs.650 

  • A minimum of 2500 RP is needed to redeem Reward Points against statement balance.  

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

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

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

  • The maximum 60,000 Reward Points can be earned in a statement cycle.

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 Power 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 Power 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 Power 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 Power Credit Card 24/7 on the go with our HDFC Bank MyCards platform 

  • Enable online & contactless usage
  • View - Transaction, Reward 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) / EVA / WhatsApp Banking / Net Banking.

Click Here for more details

Customer care details: 

  • Toll Free: 1800 1600 / 1800 2600 

  • Email: customerservices.cards@hdfcbank.com


Fees & Charges

Savings on Card