HDFC Biz Grow Credit Card Review
The HDFC Biz Grow is an affordable business card that accelerates rewards on the categories SMEs use — bills, taxes, hotels and software — and adds useful business insurance. Here is the verified review.
- 10X Cash Points on bills, tax, hotels & software
- Low ₹500 joining fee
- Business insurance (fire/burglary, equipment, cash, hospital cash)
- Fuel waiver + up to 10% dining
- Flexible redemption (cashback/SmartBuy/catalogue)
- 10X capped at 1,500 points/month
- 2 CP/₹200 base (₹0.25/point)
- Best value in the bonus categories
- Business documentation needed
- Reward value depends on redemption
Rewards & benefits
| Item | Detail |
|---|---|
| Joining fee | ₹500 (spend-based annual waiver) |
| Base rewards | 2 Cash Points per ₹200 |
| 10X categories | Bills, tax, hotels, business software (cap 1,500 CP/month) |
| Point value | 1 CP = ₹0.25 |
| Insurance | Fire/burglary ₹5L; equipment ₹50k; cash ₹25k; hospital cash ₹1k/day |
| Fuel waiver | 1% (₹400–₹5,000, max ₹250/cycle) |
Who this card is for
- Best fit: SMEs spending on bills, taxes, hotels and software who want low-cost rewards + business insurance.
- Skip if: your spends are mostly outside the bonus categories.
How to apply & how to cancel
Apply: via hdfcbank.com with business documents. Cancel: call HDFC business-card support after clearing dues; redeem points first.
Final verdict
The HDFC Biz Grow is a sensible, affordable SME card — 10X on the categories businesses use most plus genuinely useful business insurance for a low ₹500 fee. Respect the 1,500-point monthly cap and it delivers solid value for the right business.
Frequently asked questions
What earns 10X?
Bill payments, tax payments, hotel bookings and business software (capped 1,500 Cash Points/month).
What is the fee?
₹500 joining, with a spend-based annual-fee waiver.
What insurance is included?
Fire/burglary up to ₹5 lakh, electronic equipment ₹50,000, cash-in-safe/transit ₹25,000 and hospital cash ₹1,000/day.
What’s a Cash Point worth?
₹0.25; you earn 2 per ₹200 on base business spends.
Data current as of June 2026, cross-checked against HDFC Bank and aggregators. Confirm current terms on hdfcbank.com before applying.