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HDFC Bank Biz Power RuPay Credit Card

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Rewards & Benefits

Welcome Benefits

Users will get an Amazon Prime Annual membership and Biz Prime 6-month subscription on making 1 online transaction within the first 30 days of card issuance. 

Milestone Benefits

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Cashback Rate

  • Users will receive 4 reward points for every INR 150 spent.  

  • 1 reward point = Upto Rs. 0.50. General cashback rate: 1.33%. 

  • Redeem on SmartBuy (against flights/hotel booking). Effective cashback rate: 1.33% 

  • Redeem against product catalogue via net banking & SmartBuy. Effective cashback rate: Up to 1.73%.

  • Airmiles conversion via net banking. The effective cashback rate is 1.33% Catalogue via net banking & SmartBuy. 

  • A minimum of 2500 RP is needed to redeem reward points against the statement balance.

Movie Benefits

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Dining Benefits

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Other Benefits

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Lounge Access

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Fees & Charges

Joining Fee

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Annual Fee

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Cash Advance Fee

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Interest rate

1.99% monthly, 23.88% annually.

Late Payment Fee

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Foreign Currency Transactions Fee

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Other Fees

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दोष

  • 5X reward points applicable on minimum spending of INR 25,000 in a statement cycle.

  • The renewal fee is waived only if the user spent INR 4 Lakhs or more in the previous year.

  • A minimum of 2500 reward points is needed to redeem reward points against the statement balance.

  • Unredeemed reward points will expire after 2 years of accumulation.

  • A maximum of 60,000 reward points can be earned in a statement cycle.

  • Up to 55 days interest-free credit period.

  • Welcome benefit:  Users will get an Amazon Prime Annual membership and Biz Prime 6-month subscription on making 1 online transaction within the first 30 days of card issuance. 

  • Reward system: Users will receive 4 reward points on spending Rs.150 on business needs. Value of 1 cash point = Upto Rs. 0.50. General cashback rate: 1.33%. Effective cashback rate for redeem on SmartBuy (against flights/hotel booking): 1.33%. Effective cashback rate for redeeming against product catalogue via net banking & SmartBuy: up to 0.93%. Effective cashback rate for Airmiles conversion via net banking: 1.33%. Effective cashback rate for catalogue via net banking & SmartBuy is: up to 1.73%. A minimum of 2500 cash points is needed to redeem cash points against the statement balance. Unredeemed cash points will expire/lapse after 2 years of accumulation.

  • Milestone benefit: Users will get a Gift Voucher worth Rs.2500 of MakeMyTrip/Reliance Digital on Quarterly spends of Rs 2.5 Lakhs. (On all retail spends excluding rent and petrol).

  • Users can maximize business savings with 5X 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) Google Ads, (g) Meta, (h) Reliance Digital.

  • Users can link their RuPay credit card directly to their UPI app and can make UPI transactions using this credit card.

  • Users will get up to 10% savings on all restaurant bill payments.

  • Lounge benefit: Users will get 16 airport lounge access within India per alander year and 6 International lounge access via Priority Pass per year.

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

A Self Employed Indian Citizen aged between 21 yrs. to 65 Yrs.
Annual ITR above Rs 12 Lakhs
(Customers can apply credit card using ITR, GST returns, Bank Statements and Merchant payment report)

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


1. Online Application:

2. Visit HDFC Bank Branch:

  • Visit your nearest HDFC Bank branch.

  • Request an application form for the Biz Power Credit Card.

  • Fill in the required details and submit it 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 an Amazon Prime Annual membership and Biz Prime 6-month subscription on making 1 online transaction within the first 30 days of card issuance. 

  • Reward system: Users will receive 4 reward points on spending Rs.150 on business needs. Value of 1 cash point = Upto Rs. 0.50. General cashback rate: 1.33%. Effective cashback rate for redeem on SmartBuy (against flights/hotel booking): 1.33%. Effective cashback rate for redeeming against product catalogue via net banking & SmartBuy: up to 0.93%. Effective cashback rate for Airmiles conversion via net banking: 1.33%. Effective cashback rate for catalogue via net banking & SmartBuy is: up to 1.73%. A minimum of 2500 cash points is needed to redeem cash points against the statement balance. Unredeemed cash points will expire/lapse after 2 years of accumulation.

  • Milestone benefit: Users will get a Gift Voucher worth Rs.2500 of MakeMyTrip/Reliance Digital on Quarterly spends of Rs 2.5 Lakhs. (On all retail spends excluding rent and petrol).

  • Users can maximize business savings with 5X 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) Google Ads, (g) Meta, (h) Reliance Digital.

  • Users can link their RuPay credit card directly to their UPI app and can make UPI transactions using this credit card.

  • Users will get up to 10% savings on all restaurant bill payments.

  • Lounge benefit: Users will get 16 airport lounge access within India per alander year and 6 International lounge access via Priority Pass per year.

  • 5X reward points applicable on minimum spending of INR 25,000 in a statement cycle.

  • The renewal fee is waived only if the user spent INR 4 Lakhs or more in the previous year.

  • A minimum of 2500 reward points is needed to redeem reward points against the statement balance.

  • Unredeemed reward points will expire after 2 years of accumulation.

  • A maximum of 60,000 reward points can be earned in a statement cycle.

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Application Procedure
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

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ईंधन अधिशुक्ल

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Billing Cycle

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फीस एवं प्रभार
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