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Premium Decision Grade Catalog
HDFC BANK LTD
HDFC Bank BizGrow Credit Card
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Verified Catalog
Source: HDFC BANK LTD Official
Updated: Aug 2026
Overview
Editorial snapshot & Positioning.
Entry-level business credit card offering cashback on business-related expenses with milestone benefits and basic business insurance
Key features
Highlights and rewards metrics.
The strongest rewards and lifestyle perks are surfaced as concise highlights.
Highlight 1
Mid-tier business card
Highlight 2
Fuel surcharge waiver for transactions between ₹400 to ₹5,000
Highlight 3
Foreign currency markup of 3.5%
Technical details
Fees structure and lounge network details.
Joining fee, annual fee, and lounge network coverage are shown in a minimal data grid.
Joining fee
₹500
The front-loaded charge when you apply.
Annual fee
₹500
Shown alongside the annual renewal cost.
Networks
Domestic & Int'l
Lounge network compatibility.
Rewards Calculator
Interactive Spend & Earning Estimation.
Slide to match your average monthly spending across categories and see how much value you earn back in a year.
Monthly Spending Profile
Dining & Food (1% value)
₹5,000Travel & Hotels (1.5% value)
₹5,000Groceries (1.5% value)
₹5,000Online Shopping (2% value)
₹10,000Other Spends (1% value)
₹5,000Estimated Annual Spends
₹3,60,000
Annual Value Back
₹5,400
Rewards value at ~₹1 per point.
Annual Fee: ₹500100% Offset
🎉 Your earnings completely offset the annual fee!
Premium Benefits
Core privileges & lounge coverage.
Explore travel, dining, lifestyle, and protection privileges associated with this card tier.
Airport Lounge Access
Complimentary lounge network access details available on issuer portal.
Hotel Privileges
"4 station lounges/year"
Detailed Schedule & Eligibility
Technical fees & documentation requirements.
View interest rates, Forex charges, late fees, and document checkmarks needed for approval.
No secondary fee details registered for this card.
Summary
Pros, cons, rating, and decision metrics.
CredHunt Expert Verdict
Editorial Review Score: 10/10
"Good for frequent shoppers and diners with moderate annual spends and travel needs."
Expert opinion & editorial scorecard summarizing the card's position.
5.0 / 5
Pros
- Welcome Offer: 500 EDGE points
- Base Rate: 4 Reward Points per ₹200 for offline shopping
- Accelerated Rewards Program: 5% cashback on groceries (min ₹500)
- 5% cashback on utility bills through YES PayNow
Cons
- Dining: 5X RP on TATA dining
- Other Features: NFC-enabled
- MasterCard SecureCode
- Contactless payments
Apply flow links directly to official bank portals with 256-bit encryption.
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Customer Reviews
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