HDFC BizPower Credit Card Review
HDFC’s BizPower is a premium business card for small and medium businesses, rewarding the categories businesses actually use — travel, bills, software and ads. It saw notable changes in 2026, so it’s important to read the current terms. Here is the verified review.
- Accelerated points on business categories (travel, bills, software, ads)
- 5 RP per ₹200 base (from May 2026)
- 2 domestic lounge visits/quarter (spend-based)
- Quarterly zero-cancellation flight voucher (on spends)
- Built around real SME spending
- Tax rewards capped (first 2 IT + 2 GST/cycle)
- Lounge/travel now spend-based (₹75k/quarter)
- Reward base revised to ₹200
- Eligibility needs ITR > ₹12 lakh
- Read the latest terms before applying
Rewards & benefits
| Item | Detail |
|---|---|
| Base rewards | 5 RP per ₹200 (from 15 May 2026) |
| Accelerated | MMT MyBiz, PayZapp/SmartPay bills, MS Office/AWS, Google Ads, Reliance Digital |
| Tax rewards | First 2 income-tax + 2 GST payments/cycle |
| Lounge (from 1 Jul 2026) | 2 domestic/quarter on ₹75,000 prior-quarter spend |
| Travel | 1 zero-cancellation flight voucher/quarter (spend-based) |
Eligibility & documents
Who
Self-employed, 21–65 years
ITR
Above ₹12 lakh
Network
Visa
Best for
SMEs with travel/bill/software/ad spends
Tax rewards
Fair-usage capped
Documents
Business proof, PAN, GST, ITR
Who this card is for
- Best fit: SMEs spending on travel, utilities/bills, business software and advertising.
- Skip if: your spends are mostly tax payments (now capped) or outside the bonus categories.
How to apply & how to cancel
Apply: via hdfcbank.com with business/ITR documents. Cancel: call HDFC business-card support after clearing dues; redeem points first.
Final verdict
HDFC’s BizPower is a capable premium business card — accelerated rewards on the categories SMEs use and spend-based lounge perks. The 2026 changes (tax-reward caps, spend-gated lounges, ₹200 base) trim its edge, so evaluate it on current terms; for businesses spending in the bonus categories, it still pays off.
Frequently asked questions
What earns accelerated rewards?
Travel via MMT MyBiz, bills via PayZapp/SmartPay, business software (MS Office, AWS), Google Ads and Reliance Digital.
What changed in 2026?
From 15 May 2026 the base became 5 RP per ₹200; tax rewards are capped (first 2 IT + 2 GST/cycle); and from 1 July 2026 lounge/travel perks are spend-based (₹75k/quarter).
Who is eligible?
Self-employed individuals aged 21–65 with an ITR above ₹12 lakh.
Does it offer lounge access?
Yes — 2 domestic visits a quarter, spend-based (₹75,000 prior-quarter spend) from 1 July 2026.
Data current as of June 2026, cross-checked against HDFC Bank and aggregators. Terms were revised in 2026 — confirm the latest on hdfcbank.com before applying.