HDFC Biz First Credit Card Review
The HDFC Biz First is an entry-level business card for SMEs and the self-employed, rewarding EMIs, utility bills and software spends. Here is the verified review.
- 3% on EMIs; 2% on utilities/electronics/PayZapp
- Low ₹500 fee (renewal waived at ₹50k)
- Business-software discounts (Workspace, Tally, AWS, Azure)
- Up to 55-day interest-free; Swiggy Dineout savings
- ₹250 welcome + 2,000 bonus CashPoints (₹75k/quarter)
- Monthly caps on each reward tier
- 1% base (₹0.25/point) on general spends
- No lounge access
- ITR ₹6 lakh+ eligibility
- Best value in the bonus categories
Rewards & benefits
| Item | Detail |
|---|---|
| EMIs | 3% CashPoints (cap 1,000/month) |
| Utility/electronics/SmartPay/PayZapp | 2% (cap 500/month) |
| Other (incl. UPI) | 1% (cap 500/month) |
| Fee | ₹500 (renewal waived on ₹50,000 spend) |
| Welcome/milestone | ₹250 voucher; 2,000 CashPoints on ₹75k/quarter |
| Extras | 55-day interest-free; software discounts; Swiggy Dineout |
Who this card is for
- Best fit: SMEs with EMI, utility and software spends who want a low-cost business card.
- Skip if: you want lounges or higher uncapped rewards.
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
The HDFC Biz First is a tidy entry business card — 3% on EMIs, 2% on utilities/software and handy business-software discounts for a low ₹500 fee. Respect the monthly caps and it’s a solid starter for SMEs; higher spenders should consider BizGrow or BizBlack.
Frequently asked questions
How does it reward spends?
3% CashPoints on EMIs, 2% on utilities/electronics/SmartPay/PayZapp, and 1% elsewhere including UPI — each with monthly caps.
What is the fee?
₹500, with renewal waived on ₹50,000 annual spend.
Who is eligible?
Self-employed Indian citizens aged 21–65 with an ITR above ₹6 lakh.
Any software perks?
Yes — instant discounts on Google Workspace, Tally Prime, AWS, Microsoft Azure and more.
Data current as of June 2026, cross-checked against HDFC Bank and aggregators. Confirm current terms on hdfcbank.com before applying.