HDFC Bank Biz Grow RuPay Credit Card
Rewards & Benefits
Welcome Benefits
As a welcome benefit users will get a gift voucher worth Rs.250 on making one transaction on this credit card within the first 37 days of card issuance. This gift voucher is redeemable on top brands like Amazon, Swiggy & more.
Milestone Benefits
Milestone benefit:Users will earn 2000 cash points every quarter on quarterly spending of Rs 1,00,000. (all retail spending excluding rent and petrol) and users can redeem cash points against the statement. (1 cash point = Upto Rs 0.25).
Cashback Rate
Users will receive 2 cash points on spending Rs.150.
Value of 1 cash point = Upto Rs. 0.30. General cashback: 0.33%.
Effective cashback rate on SmartBuy (against flights/hotel booking): 0.33%.
Effective cashback rate against product catalogue via net banking & SmartBuy: Upto 0.33%.
Effective cashback rate against business catalogue via net banking & SmartBuy: 0.4%.
Movie Benefits
Dining Benefits
Other Benefits
Up to 55 days interest-free credit period.; Fuel surcharge waiver:1% fuel surcharge waiver at all fuel stations across India.; Users can avail business insurance package starting at an annual premium of Rs 3,785.
Lounge Access
Fees & Charges
Joining Fee
INR 500/- plus taxes.
Annual Fee
INR 500/- plus taxes.
Cash Advance Fee
Cash advance fee:2.5% or INR 500 whichever is higher.
Interest rate
3.75% monthly, and 45.0% annually.
Late Payment Fee
Late payment charges:INR 100 to 1300.
Foreign Currency Transactions Fee
Foreign currency markup: 3.50%.
Other Fees
Fuel surcharge:1% subject to a minimum transaction of INR 400 and a maximum transaction of INR 5000. | Reward redemption fee: INR99 per redemption request.
दोष
Low general cashback rate.
A maximum of 15,000 cash points can be earned in a statement cycle.
Unredeemed cash points will expire after 2 years of accumulation.
10X cash points will be rewarded on minimum spending of Rs. 10,000 in a statement cycle and a maximum of 1500 cash points can be awarded per statement cycle.
No airport lounge access.
Up to 55 days interest-free credit period.
Welcome benefit: Users will get a gift voucher worth Rs.250 on making one transaction on this credit card within the first 37 days of card issuance. This gift voucher is redeemable on top brands like Amazon, Swiggy & more.
Reward system: Users will receive 2 cash points on spending Rs.150. Value of 1 cash point = Upto Rs. 0.30. General cashback rate: 0.33%. Effective cashback rate on SmartBuy (against flights/hotel booking): 0.33%. Effective cashback rate against product catalogue via net banking & SmartBuy: Up to 0.33%. Effective cashback rate against business catalogue via net banking & SmartBuy: 0.4%. A minimum of 2500 cash points is needed to redeem cash points against the statement balance. A maximum of 15,000 cash points can be earned in a statement cycle. Unredeemed cash points will expire/lapse after 2 years of accumulation.
Milestone benefit: Users will earn 2000 cash points every quarter on quarterly spending of Rs. 1,00,000. (all retail spending excluding rent and petrol) and users can redeem cash points against the statement. (1 cash point = Upto Rs.0.25).
Users can maximize business savings with 10X cash points on selected business spends such as (a)bill payment via Payzapp & SmartPay,(b) Income Tax/ Advance tax payment via eportal.incometax.gov.in, (c) GST payment via payment.gst.gov.in., (d) Hotel & flight booking on MMT MyBiz by SmartBuy BizDeals, (e) business productivity tools like Tally, Office 365, AWS, Google, Credflow, Azure & more via SmartBuy BizDeals - Nuclei,(f) Dmart, (g) Cleartax
Users can link their RuPay credit card directly to their UPI app and can make UPI transactions using this credit card.
Fuel surcharge waiver: 1% fuel surcharge waiver at all fuel stations across India.
Dining benefits: Users will get up to 20% savings on all restaurant bill payments with Swiggy Dineout on paying via the Swiggy App.
Users can avail business insurance package starting at an annual premium of Rs.3,785.
पक्ष विपक्ष
Welcome Benefits
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पुरस्कार प्रणाली
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अंतर्राष्ट्रीय विदेशी मुद्रा मार्कअप
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स्वागत लाभ और पुरस्कार प्रणाली
विशेष लक्षण
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Eligibility Criteria
The applicant must be a self-employed Indian citizen.
The applicant must be aged between 21 yrs. to 65 Years.
The applicant must have an ITR above Rs 6 Lakhs per annum.
विशेष विशेषता, पात्रता और लाभ
क्रेडिट कार्ड के लिए आवेदन कैसे करें?
Online Application
Visit the HDFC Bank website: Go to https://www.hdfcbank.com/personal/pay/cards/business-credit-cards/biz-grow
Click on the "Apply Now" button.1. How to Apply for a Business Credit Card Online HDFC Bank www.hdfcbank.com
Fill in the required personal and business details.
Submit the application.
Through HDFC Bank Branch
Visit your nearest HDFC Bank branch.
Request an application form for the Biz Grow Credit Card.
Fill in the required details and submit the form along with the necessary documents.
सम्पर्क करने का विवरण
Toll Free: 1800 202 6161\ 1860 267 6161
Email: customerservices.cards@hdfcbank.com
खाता खोलने की प्रक्रिया और प्रक्रिया
विशेष विशेषता, पात्रता और लाभ
Pros:-
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Cons:-
Up to 55 days interest-free credit period.
Welcome benefit: Users will get a gift voucher worth Rs.250 on making one transaction on this credit card within the first 37 days of card issuance. This gift voucher is redeemable on top brands like Amazon, Swiggy & more.
Reward system: Users will receive 2 cash points on spending Rs.150. Value of 1 cash point = Upto Rs. 0.30. General cashback rate: 0.33%. Effective cashback rate on SmartBuy (against flights/hotel booking): 0.33%. Effective cashback rate against product catalogue via net banking & SmartBuy: Up to 0.33%. Effective cashback rate against business catalogue via net banking & SmartBuy: 0.4%. A minimum of 2500 cash points is needed to redeem cash points against the statement balance. A maximum of 15,000 cash points can be earned in a statement cycle. Unredeemed cash points will expire/lapse after 2 years of accumulation.
Milestone benefit: Users will earn 2000 cash points every quarter on quarterly spending of Rs. 1,00,000. (all retail spending excluding rent and petrol) and users can redeem cash points against the statement. (1 cash point = Upto Rs.0.25).
Users can maximize business savings with 10X cash points on selected business spends such as (a)bill payment via Payzapp & SmartPay,(b) Income Tax/ Advance tax payment via eportal.incometax.gov.in, (c) GST payment via payment.gst.gov.in., (d) Hotel & flight booking on MMT MyBiz by SmartBuy BizDeals, (e) business productivity tools like Tally, Office 365, AWS, Google, Credflow, Azure & more via SmartBuy BizDeals - Nuclei,(f) Dmart, (g) Cleartax
Users can link their RuPay credit card directly to their UPI app and can make UPI transactions using this credit card.
Fuel surcharge waiver: 1% fuel surcharge waiver at all fuel stations across India.
Dining benefits: Users will get up to 20% savings on all restaurant bill payments with Swiggy Dineout on paying via the Swiggy App.
Users can avail business insurance package starting at an annual premium of Rs.3,785.
Low general cashback rate.
A maximum of 15,000 cash points can be earned in a statement cycle.
Unredeemed cash points will expire after 2 years of accumulation.
10X cash points will be rewarded on minimum spending of Rs. 10,000 in a statement cycle and a maximum of 1500 cash points can be awarded per statement cycle.
No airport lounge access.
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Application Procedure
Abhijeet Saxena
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai
उत्पाद समीक्षा
फीस एवं प्रभार
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ईंधन अधिशुक्ल
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Billing Cycle
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