BizFirst Business
Credit Card

• Up to 55-days of credit at 0% interest

• Earn 2000 CashPoints every quarter on your quarterly spends of ₹75,000 & above. (On all retail spends excluding rent and petrol)

• Redeem your CashPoints against statement. (Earn 1 CashPoint = Up to ₹0.15)

T&C apply

Click here to view your savings on Biz First Credit Card.

Make GST payment using Business Credit Card

• Via GST portal: payment.gst.gov.in : Click here to view the steps.

Pay Income Tax/ Advance Tax using Business Credit Card(eportal.incometax.gov.in)

• Click here to view the steps..

UPI Payments made easy

• Enjoy 1% Cash Point benefits

Steps to Link Biz First Credit Card in UPI Apps: 

• Download & Register/Open your UPI app (PayZapp/BHIM/ Mobikwik/ PayTM/ PhonePe etc.)  
• Register your Biz First Credit Card by using Credit Card PIN. 
• Click Here to know more

• Fuel Surcharge Waiver: 1% fuel surcharge waiver at all fuel stations across India (on minimum transaction of ₹400 and maximum transaction of ₹5,000. Max CashBack of ₹250 per statement cycle)

• Dining Benefits: Get up to 20% savings on all your restaurant bill payments with Swiggy Dineout on paying via Swiggy App using your card (20k + restaurants).

• SmartBuy: Get Up to 5% CashBack on travel/online shopping on SmartBuy

  SmartPay: 
  - SmartPay is an automatic payment facility available on your Credit Card to pay your utility bills.  
  - Get assured CashBack up to ₹1,800 in the first year and exciting e-vouchers worth up to ₹800 for adding 2 or more bills on Smart Pay. 

  Steps to enable SmartPay on NetBanking​​​​​​​:  
  BillPay & Recharge > Continue > Add Biller > Select Category > Enter Details and Enable SmartPay on Debit/Credit Card Or Cards> Credit cards> Smart Pay> Continue > Add Biller > Select Category > Enter Details and Enable SmartPay on Debit/Credit Card> Choose Biz First Credit Card 

  Steps to enable SmartPay on Mobile Banking:​​​​​​​  
  Bill Payments > Add Biller > Select Biller Type> Enter Details and Enable Smartpay on Debit/Credit Card > Choose Biz First Credit Card  

• Smart EMI: 
  -HDFC Bank Biz First Credit Card comes with an option to convert your big spends into EMI after purchase. 
  ​​​​​​​-To know more Click Here

• Easy EMI:  
  - Choose EMI option for your large online or in-store purchases using your Biz First Credit Card and avail easy repayments using Easy EMI. 
  - ​​​​​​​Easy EMI Plan details such as EMI Amount, Total Loan Amount, Rate of Interest will be displayed in the charge slip (in-store purchases) or at the time of transaction (online purchases) Click Here to know more. 

• Zero Lost card liability: In the unfortunate event of losing your HDFC Bank Biz First Credit Card, on reporting it immediately to Customer Care Toll Free Number: 1800 1600 / 1800 2600, you have zero liability on any fraudulent transactions made on your Credit Card. 

• Credit liability cover: ₹3 lakh 

Avail Business Insurance package starting at an annual premium of ₹3,785 which includes:

Fire & Burglary insurance for Shop up to ₹5 lakh

• Cash in Safe/Transit up to ₹25,000

• Electronic Equipment insurance excluding terrorism up to ₹50,000

• Hospital Cash: Accident only amount payable per day up to ₹1000

• Hospital Cash: Illness only amount payable per day up to ₹1000

• Also, Cardholders have the option to choose higher Business Insurance cover as per their Business need. Click here​​​​​​​ to Apply

• List of Business Insurance plans.

• Cash Points can be redeemed as:
• Click here to know how to redeem your reward points

• A minimum of 2500 CP is needed to redeem CashPoints against statement balance. 

• Flights and Hotels redemption, Credit Card members can redeem up to a maximum of 50% of the booking value through CashPoints. Rest of the transaction amount will have to be paid via the Credit Card limit. 

• With effect from 1st February 2023, cardmembers can redeem up to 70% of product/Voucher value through CashPoints on select vouchers/products and pay the remaining amount via Credit card.  

• The maximum 15,000 CashPoints can be earned in a statement cycle. 

• Unredeemed Cash Points will expire/lapse after 2 year of accumulation

PIN Setting Process:

Set PIN for your card by following any of the below option:

1. By Using MyCards :

• Visit HDFC Bank MyCards - https://mycards.hdfc.bank.in/

• Enter registered Mobile no and Authenticate using OTP

• Select "Biz First Credit Card"

• Choose Set Pin and enter your 4-digit pin

2. By using IVR: Call 1860 266 0333 from registered mobile number

• Key in last 4 digits of your Business Credit Card No

• Validate with OTP sent on registered mobile no

• Set 4-digit Pin of your choice

3. By using Mobile banking:

• Login to Mobile Banking

• Go to "Cards" Section and Select "Biz First Credit Card"

• Choose Change Pin and Enter your 4-digit Pin & confirm

• Authenticate using OTP

• Pin Generated Successfully

4. By using Net banking:

• Login to Net banking

• Click on "Cards" and visit "Request" Section

• Choose Instant Pin generation

• Select card number and enter your 4-digit Pin

For more details click here 

• Contactless Payment:

Your HDFC Bank Biz First Credit Card is enabled for contactless payments, facilitating fast, convenient, and secure payments at retail outlets.

Please note that in India, payment through contactless mode is allowed for a maximum of ₹5000 for a single transaction where you are not asked to input your Credit Card PIN. However, if the amount is higher than or equal to ₹5000, the Card holder has to enter the Credit Card PIN for security reasons

• Manage your Card on the go:

Now access your HDFC Bank Biz First Credit Card 24/7 on the go with our HDFC Bank MyCards platform (https://mycards.hdfc.bank.in/)

• Enable online & contactless usage

• View - Transaction, Cash Points, Statements & more.

• Manage - online usage, contactless usage, set limits, enable & disable

• Check - Credit card outstanding, due date and more

For more details, click here.

• Set Card Control

You can enable the services using MyCards (preferred)Link - https://mycards.hdfc.bank.in/ / EVA / WhatsApp Banking / Net Banking.

Click Here for more details

Customer care details: 

• Toll Free: 1800 1600 / 1800 2600

• Email: customerservices.cards@hdfcbank.com 

• Joining/Renewal Membership Fee – ₹500/- plus Applicable Taxes
• Please Click here to view the fees and charges applicable on your HDFC Bank Biz First Credit Card.
• Spend ₹50,000 in an anniversary year (12 billing cycles) and get Renewal Fee waived for next renewal year.

HDFC Bank Biz First Credit Card Eligibility:​

• A Self Employed Indian Citizen aged between 21 yrs. to 65 Yrs.
• Annual ITR above Rs 6 Lakhs​(Customers can apply credit card using ITR, GST returns, Bank Statements and Merchant payment report)

• *The Most Important Terms and Conditions for each of our banking offerings features all the specific terms and conditions that govern their use. You must go through it thoroughly to fully understand the terms and conditions applicable to any banking product you choose.