HDFC BizFirst Credit Card Review
The HDFC BizFirst is an entry-level business credit card for self-employed professionals and small business owners. It earns CashPoints on EMI purchases, utilities and electronics, and offers discounts on business software.
The headline percentages look attractive, but CashPoints are worth up to ₹0.15 each when redeemed against your statement, so the real return is a fraction of the stated rate.
- Low ₹500 fee, waived on ₹50,000 annual spend
- Earns on EMI purchases, utilities and electronics
- 2,000 CashPoints milestone each quarter at ₹75,000
- Discounts on Tally, AWS, Google Workspace and Azure via SmartBuy BizDeals
- Up to 55 days interest-free
- CashPoints worth only up to ₹0.15 on statement credit
- Monthly caps on each category
- No lounge access
- No points on fuel, rent, education and wallet loads
- 1% fees on rent and large utility and fuel payments
Fees and charges
| Item | Detail |
|---|---|
| Annual fee | ₹500, waived on ₹50,000 spend in the anniversary year |
| Interest | 3.60% a month |
| Catalogue redemption | ₹99 + GST |
| Fuel surcharge waiver | 1% on ₹400–₹5,000, up to ₹250 a cycle |
| From Aug 2024 | 1% fee on rent, on fuel above ₹30,000 and utilities above ₹75,000 per transaction, and on education paid through third-party apps (each capped at ₹3,000) |
Rewards: how the card earns
| Spend | CashPoints | Monthly cap | Real value* |
|---|---|---|---|
| EMI purchases (principal) | 3% | 1,000 | ~0.45% |
| Utilities, electronics, SmartPay, PayZapp | 2% | 500 | ~0.3% |
| All other spends, including UPI | 1% | 500 | ~0.15% |
*At up to ₹0.15 per CashPoint on statement redemption (100 CashPoints = up to ₹15).
What earns nothing
Fuel, rent, education, wallet, gift-card and prepaid loads, and vouchers earn no CashPoints.
Other benefits
| Benefit | Detail |
|---|---|
| Welcome | ₹250 gift voucher on activating the card within 37 days |
| Quarterly milestone | 2,000 CashPoints on ₹75,000 spend in a calendar quarter |
| Business deals | Up to 40% off software via SmartBuy BizDeals |
| Dining | Extra 10% off through Swiggy Dineout |
| Insurance | Optional paid business-insurance package |
Eligibility
Issuer
HDFC Bank
For
Self-employed professionals and business owners
Age
21–65
Income
ITR above ₹6 lakh a year
Who this card is for
- Good fit: small business owners who want a cheap card to separate business expenses and use the software discounts.
- Skip if: you want meaningful rewards — the low CashPoint value limits returns.
Alternatives worth comparing
- HDFC BizGrow — higher-value CashPoints on tax and GST payments
- Best business credit cards
- GST input credit on business cards
- Best HDFC Bank credit cards
Final verdict
A sensible starter business card for keeping expenses separate, with useful software discounts and a fee that is easy to waive. Do not choose it for rewards: once you apply the ₹0.15 CashPoint value, the return is well under 0.5%.
Frequently asked questions
What is the BizFirst annual fee?
₹500 + GST, waived if you spend ₹50,000 in the anniversary year.
How much is a CashPoint worth?
Up to ₹0.15 when redeemed against the statement (100 CashPoints = up to ₹15).
What is the welcome benefit?
A ₹250 gift voucher on activating the card within 37 days.
Does it have lounge access?
No.
Who can apply?
Self-employed individuals aged 21–65 with ITR above ₹6 lakh.
Last verified: October 2026, against HDFC Bank’s business card terms and fees schedule. Card terms change often; confirm the current fees and reward rules on the issuer’s website before you apply. All fees are plus 18% GST.