Biz First Credit Card

What’s In Store For You

More benefits than ever before

Welcome Benefits

  • Get a Gift voucher worth ₹250 on making one transaction on your Biz First Credit card within the first 37 days of card issuance. The voucher is redeemable on top brands like Amazon, Swiggy & more.​

Business Benefits

  • Up to 55 days of interest-free credit.

  • 3% CashPoints on EMI spends (Maximum 1,000 Cashpoints/Calendar month)

  • 2% CashPoints on Utility Bills, Electronics, SmartPay & Payzapp transactions (Maximum 500 Cashpoints/Calendar month)

  • Instant discount on your Business Software such as Google Workspace, Tally Prime, AWS, Microsoft Azure & more via Nuclei​

  • 1% fuel surcharge waiver at all fuel stations across India (on minimum transaction of ₹400 and maximum transaction of ₹5000. Max Cashback of ₹250 per statement cycle)​

Milestone Benefits

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

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Additional Benefits

Save up to ₹10,555 annually on BizFirst Credit Card

Just like 10 lakh+ HDFC Bank Cardholders

Check How

Application Process

Online application process:

  • Step 1 - Provide & validate your Phone Number & Date of Birth/PAN
  • Step 2- Confirm your details
  • Step 3- Select your Card
  • Step 4- Submit & Receive your Card*

*In certain cases, uploading documents and completing video KYC might be required.

Check Eligibility
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Biz First Calculator 

Smart Savings, diverse Payments.

Tell us how much you spend on :

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₹ 0 ₹ 3,00,000
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₹ 0 ₹ 3,00,000
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₹ 0 ₹ 3,00,000
SmartPay
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₹ 0 ₹ 3,00,000
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₹ 0 ₹ 3,00,000
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₹ 0 ₹ 3,00,000
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Biz first facia
Your total monthly spends are

₹3,20,000

Please update your expenses
You can save up to

₹3,20,000Annualy

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The savings mentioned are estimates and actual savings may vary based on the individual spending pattern.

One-time GIF
One-time GIF

Detailed cashback break-up

Earn 2,000 bonus cashpoints on quarterly spends of ₹75,000.

₹2,500

Earn 5% cashback on SmartBuy & upto ₹1,255 cashback on PayZapp per month.

₹2,500

Get assured cashback upto ₹1,800 in the first year and exciting e-vouchers worth upto ₹800 for adding 2 or more bills on SmartPay.

₹2,500

Spend ₹50,000 in an anniversary year (12 billing cycles) and get renewal fee waived for next renewal year.

₹2,500

3% cashpoints on EMI spends, maximum 1000 CP per statement cycle.

₹2,500

2% cashpoints on utility, electronics, Payzapp & SmartPay transaction maximum 500 CP per statement cycle.

₹2,500

Save upto 5% on dining bills with Swiggy-Dineout paid via Swiggy app.

₹2,500

1% fuel surcharge waiver, max saving ₹250.

₹2,500

1% cashpoints on UPI & other spends.

₹2,500

Apply Know

Know More About the Card

Credit Card Management & Controls

    Netbanking

    To enable card controls for your HDFC Bank Credit Card through NetBanking, follow these steps:

    1. Log in to HDFC Bank NetBanking using your Customer ID.

    2. Go to the Cards Tab >Select the card > Click Manage card>Manage Domestic and International Limits.

    3. You will be able to view your existing daily domestic and international usage limits.

    4. Enable or disable Online, Contactless, and International usage based on your preference.

    5. Click ‘Update’, enter the OTP received on your registered mobile number, and then click ‘Continue’.

    6. Your selected card controls will be updated instantly.

    Mobile Banking

    To enable card controls for your HDFC Bank Credit Card conveniently through our HDFC Bank MobileBanking App, follow these steps:

    1. Open the HDFC Bank MobileBanking App and log in using your credentials.

    2. Go to the ‘Cards’ section from the menu.

    3. Select the HDFC Bank Credit Card for which you want to enable card controls.

    4. Click ‘Manage Limits’, then enable/disable transaction types such as Online Transactions, Contactless Payments, and International Usage, or set transaction limits according to your preference.

    5. Click ‘Update’ to confirm your changes and enter your MPIN. The updated card control settings will be applied instantly.

    For more detailed management, you can also use our MyCards platform at https://mycards.hdfc.bank.in/ which offers a seamless experience without the need for passwords or downloads.

    MyCards

    To enable card controls for your HDFC Bank Credit Card via MyCards, follow these steps:

    1. Visit the MyCards portal- https://mycards.hdfc.bank.in/ on your desktop or mobile.

    2. Log in using your registered mobile number and the OTP received.

    3. For first-time users, enter the last four digits of your card.

    4. On the card homepage, click the ‘Card Control’ tab.

    5. Enable/disable features such as Online Transactions, Contactless Transactions, International Usage, and set usage limits as per your preference.

    6. Confirm your settings, and the changes will be applied instantly.

    PayZapp

    You can conveniently enable card controls for your HDFC Bank Credit Card through PayZapp by following these steps:

    1. Open the PayZapp app and log in using your credentials.

    2. On the homepage, tap the ‘MyCards’ tab> Select ‘Go to MyCards’.

    3. Log in using your registered mobile number and the OTP sent to your mobile.

    4. If you are a first-time user, enter the last four digits of your HDFC Bank Credit Card.

    5. On the card homepage, tap the ‘Card Control’ tab.

    6. Enable or disable features such as Online Transactions, Contactless Transactions, and International Usage, or set usage limits according to your preference.

    7. Confirm your settings. The updated card control settings will be applied instantly.

    WhatsApp Banking

    To enable card controls for your HDFC Bank Credit Card using WhatsApp Banking, follow the steps given below:

    1. Add HDFC Bank’s official WhatsApp number – 7070022222– to your contacts.

    2. Send the text "Credit Card" to this number.

    3. You will receive a reply with options. Choose the option “Manage My Card”

    4. You will receive a reply with options to select “Domestic / International/ Enhance limits”

    5. Choose the option you want to enable, such as Domestic Online Transactions, Contactless Transactions, or International Transactions.

    6. Enter the transaction limit you want to set. An OTP will be sent to your registered mobile number. Enter the OTP to confirm the change.

    7. Enter the last 4 digits of your Credit Card number.

    8. The current status of the selected transaction type will be shown as Enabled.

    IVR

    To enable or modify your HDFC Bank Credit Card controls and transaction limits, you can contact HDFC Bank's toll-free numbers:

  • Toll-free numbers: 1800 1600 or 1800 2600 (available from 8 am to 8 pm)
  • For overseas travel assistance: 022-61606160

    • By contacting our toll-free numbers, you can enable/modify limits for Domestic, International, Online, Contactless, ATM, and POS transactions on your Debit or Credit Card.

Reward Point/RewardBack Redemption & Validity

Card Benefits

  • 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

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

  • Click here to view the steps..

  • Link your GST number with your business credit card for optimising Input Tax Credit, smarter expense-tracking, and hassle-free compliance.

    Steps to link:
    1. Write to customerservices.cards@hdfc.bank.in and initiate request to link GST number with the business credit card.
    2. Please furnish the documents (PAN & GST Document) that will be asked

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
Card Management & Controls

Additional Features

  • 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 

Lounge Access

Business Insurance Benefit

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.

Business Insurance Annual Plan Details Insurance Plan 1 Insurance Plan 2 Insurance Plan 3 Insurance Plan 4
Fire & Burglary insurance for Shop (excluding Theft) 5,00,000 10,00,000 20,00,000 50,00,000
Cash in Safe 25,000 50,000 1,00,000 2,50,000
Cash in Transit 25,000 50,000 1,00,000 2,50,000
Electronic Equipment insurance (excluding terrorism) 50,000 1,00,000 2,00,000 2,50,000
Hospital Cash: Accident Only Amount Payable/ Day
(30 Days Cover)		 1,000 1,500 2,000 5,000
Hospital Cash: Illness Only Amount Payable/ Day
(30 Days Cover)		 1,000 1,500 2,000 5,000
Total Premium without GST 3,207 6,221 12,442 23,886
Total Premium with GST 3,785 7,341 14,681 28,185
Card Reward and Redemption

CashPoint/CashBack Redemption & Validity

  • Cash Points can be redeemed as:
  • Click here to know how to redeem your reward points
  1 Cashpoint Equivalent to For Example,
Redeem as CashBack against statement ₹0.10 1000 CP = ₹100
Redeem on SmartBuy (against Flights/Hotel booking) Up to ₹0.15 1000 CP = Up to ₹150
Redeem against Product Catalogue via Netbanking & SmartBuy Up to ₹0.15 1000 RP = Up to ₹150
Redeem against Business Catalogue via Netbanking & SmartBuy Up to ₹0.20 1000 RP = Up to ₹200

  • 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

  • Maximum of 500 reward points can be earned in a calendar month on UPI spends through RuPay Credit Card.

Card Reward and Redemption

Get started with your card

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/ / WhatsApp Banking / Net Banking / PhoneBanking IVR​.

Click Here for more details

Customer care details: 

Smart EMI

Fees & Charges

  • 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.
Zero Lost card liability

Eligibility

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)
Fees & Charges

Most Important Terms and Conditions 

  • *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. 
Business Insurance Benefit

Frequently Asked Questions

Self-employed Indian citizens aged 21 to 65 years with an annual ITR above ₹6 lakh are eligible to apply for a Biz First Credit Card. Applications can be processed using ITR filings, GST returns, bank statements, and merchant payment reports

You can apply with the following documents: 

  • Income Tax Return (ITR)
  • GST Returns
  • Bank Statements
  • Merchant Payment Report

Cardholders will be charged the first year joining fee after 120 days of card issuance.

Cash Points are valid only for 2 years from the date of accumulation e.g.: If you have received Cash Points in the month of April 2023, then same will expire in April 2025.

Easily monitor and control your Credit Card Spends through HDFC Bank MyCards.

 

Click here to read more frequently asked questions.

Biz First Credit Card

  • 10% Offer on dining bills via Swiggy dineout​
  • Get GST Invoice for availing Input Tax Credit​
  • Up to 40% off on Business Software & Travel*
Apply Now
Biz First Credit Card