New applications closed
HDFC Business Platinum Credit Card Review
The HDFC Business Platinum was a straightforward business card offering tiered cashback on business spends and basic expense-management tools. New applications are now closed, so this review documents it for existing holders and points new applicants to HDFC’s current business card, BizGrow.
- Tiered cashback (0.5%–1%) on business retail spends
- Flat 1% on international spends above ₹10,000/cycle
- Fuel surcharge waiver up to ₹500/month
- Business expense-management tools
- New applications closed
- Cashback needs minimum statement balances
- Modest reward rate vs newer cards
- No premium travel perks
- Superseded by HDFC BizGrow
Rewards (for existing holders)
| Item | Detail |
|---|---|
| Retail cashback | 0.5% (min statement ₹10,000); 1% (min statement ₹30,000) |
| International spends | Flat 1% (above ₹10,000/cycle) |
| Fuel surcharge waiver | Up to ₹500/month (₹400–₹5,000) |
| Tools | Business expense management |
The current alternative: HDFC BizGrow
For new business applicants, HDFC now offers the BizGrow card: 2 Cash Points per ₹200 on business spends and 10X Cash Points on select categories — bill payments, IT & GST/tax payments, hotel and flight bookings, and business-productivity tools — with up to 55 days interest-free, welcome/milestone bonuses, a fuel surcharge waiver (up to ₹250/cycle) and dining discounts. It’s a stronger everyday business earner than the older Business Platinum.
HDFC BizGrow
10X Cash Points on bills, tax, hotels, flights & software; up to 55-day interest-free.
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Compare current business and rewards cards.
Who this is relevant to
- Existing holders: the card continues to work; track the minimum-balance cashback tiers.
- New applicants: consider HDFC BizGrow instead, as Business Platinum is closed to new applications.
Bottom line
The HDFC Business Platinum was a no-frills business cashback card; with new applications closed, it’s now mainly relevant to existing holders. Businesses looking to apply today should choose the HDFC BizGrow, which offers a richer Cash Points structure on the categories businesses use most.
Frequently asked questions
Can I still apply for the HDFC Business Platinum?
No — new applications are currently closed. Existing cardholders continue to use their cards.
What cashback did it offer?
0.5% on retail with a ₹10,000 minimum statement balance, 1% at a ₹30,000 balance, and a flat 1% on international spends above ₹10,000/cycle.
What should new businesses apply for?
HDFC BizGrow, which earns Cash Points with 10X on bill payments, tax, hotels, flights and business software.
Updated June 2026, cross-checked against HDFC Bank and . New applications closed — confirm details on hdfcbank.com.