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HDFC Bank Biz Grow Credit Card

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औसत रेटिंग है 2 5 में से

MyRupaya Ratings

उत्पाद विवरण
क्रेडिट कार्ड का नाम

HDFC Bank Biz Grow Credit Card

Bank Name :

HDFC Bank

प्रकार

Business Credit Card

ब्याज दर

3.75% monthly, 45.0% annualy

पात्रता

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.

HDFC Bank Biz Grow Credit Card
पेशेवरों

  • 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. 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%.

  • 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 CashPoint = 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

  • 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.


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.

पक्ष विपक्ष
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.

पुरस्कार प्रणाली

Users will receive 2 cash points on spending Rs.150. 

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%.

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.

अंतर्राष्ट्रीय विदेशी मुद्रा मार्कअप

3.50%

स्वागत लाभ और पुरस्कार प्रणाली
विशेष लक्षण

  • 10X cash points on your selected business spend.

  • Fuel surcharge waiver.

  • Dining benefits.

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.

फ़ायदे

  • Great travel benefits.

  • Great dining benefits.

  • Business insurance benefits.

विशेष विशेषता, पात्रता और लाभ
क्रेडिट कार्ड के लिए आवेदन कैसे करें?

Online Application

  1. Visit the HDFC Bank website: Go to https://www.hdfcbank.com/personal/pay/cards/business-credit-cards/biz-grow

  2. Click on the "Apply Now" button.1. How to Apply for a Business Credit Card Online HDFC Bank www.hdfcbank.comSource icon

  3. Fill in the required personal and business details.

  4. Submit the application.

Through HDFC Bank Branch

  1. Visit your nearest HDFC Bank branch.

  2. Request an application form for the Biz Grow Credit Card.

  3. 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

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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. 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%.

  • 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 CashPoint = 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

  • 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.

Federal Bank Wave Credit Card

The Federal Bank Wave Credit Card is a decent option for those looking for a free, no-frills credit card for domestic transactions with a focus on utility bill payments through UPI. However, if you travel internationally frequently, require a wider range of reward redemption options, consider other cards.

Abhijeet Saxena

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

  • Joining fee: INR 500/- plus taxes.

  • Annual fee:  INR 500/- plus taxes.

  • Foreign currency markup: 3.50%.

  • Fuel surcharge: 1% subject to a minimum transaction of INR 400 and a maximum transaction of INR 5000. 

  • Cash advance fee: 2.5% or INR 500 whichever is higher.

  • Late payment charges: INR 100 to 1300.

  • Reward redemption fee: INR99 per redemption request.

  • Interest rate: 3.75% monthly, 45.0% annually.

ईंधन अधिशुक्ल

Fuel surcharge is 1% at all fuel stations across India only for a minimum transaction of ₹400 and a maximum transaction of ₹5000. The maximum cashback per statement cycle is INR250.

Billing Cycle

Up to 55 days

फीस एवं प्रभार
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