HDFC
HDFC Biz Power Credit Card
This is an invite only card
Top Benefits
Enjoy 2 Domestic Airport Lounge Visits Every Calendar Quarter
plus 2 more on ₹75,000 quarterly spend and 6 international lounge visits a year via Priority Pass RuPay
Earn up to 10X Reward Points on Flipkart, Myntra
MakeMyTrip and Apple via SmartBuy capped at 4,000 RP per month
Best For
Shopping
Travel
Utility Bills
Expert Review
Joining / Annual Fee
Joining Fees
₹2,950 ( ₹2500 + GST )
Annual Fees
₹2,950 ( ₹2500 + GST )
Eligibility
Age
Criteria*
21-65 years
Salary
Criteria*
12LPA
Credit
Rating*
750+
New to credit
allowed
Yes
Existing Bank
Customer Allowed
No
All Card Benefits
- HDFC Biz Power is a business rewards card
- 5 Reward Points per ₹200 on business spends
- 5X Reward Points on select business categories
- Up to 10X on SmartBuy
- Complimentary airport lounge access
Milestone Benefits
20000 reward points(Worth ~ ₹0)
Spend ₹2,50,000 in 90 days
How to Redeem Rewards & Cashback?
Rewards Conversion Rate
1 Reward Point = ₹0.65
Redemption Options
- Flight & Hotels
- Products
- Vouchers
To check redemption catalogue
Bank Exclusions
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
Fuel
Wallet loads
Rent
Education
EMI transactions
For Spends Waiver
Fuel
Wallet loads
Rent
Education
EMI transactions
Bank Fee Structure
| Structure | Details |
|---|---|
Forex Markups  3.5% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency | 3.5% |
APR Fees Finance charges of 3.75% per month (45% per annum) apply on unpaid outstanding balances until the amount is fully repaid | 3.75% |
ATM withdrawal | 2.5% |
Reward Redemption Fees ₹99 redemption fee per redemption request | ₹99 |
Link for all T&Cs | Click Here |
Railway Surcharge A surcharge of 1% is applied to transactions made for booking railway tickets | 1% |
Rent Payment Fees A surcharge fee of 1% applies on rental transactions made using the credit card | 1% |
cheque Payment Fees A fee of 2% of the payment amount (minimum ₹450) is levied for cheque return, cheque dishonour, or auto-debit reversal | 2% |
Cash Payment Fees ₹100 is charged on all card payments made by depositing cash at HDFC Bank branches or ATMs | ₹100 |
| Late Payment Fees | Amount Due |
|---|---|
| ₹0 - ₹100 | ₹0 |
| ₹101 - ₹500 | ₹100 |
| ₹501 - ₹1000 | ₹500 |
| ₹1001 - ₹5000 | ₹600 |
| ₹5001 - ₹10000 | ₹750 |
| ₹10001 - ₹25000 | ₹900 |
| ₹25001 - ₹50000 | ₹1100 |
| ₹50000+ | ₹1300 |
That’s the full story of this credit card
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Top Benefits
Top Benefits
Enjoy 2 Domestic Airport Lounge Visits Every Calendar Quarter
plus 2 more on ₹75,000 quarterly spend and 6 international lounge visits a year via Priority Pass RuPay
Earn up to 10X Reward Points on Flipkart, Myntra
MakeMyTrip and Apple via SmartBuy capped at 4,000 RP per month
The smartest way to find your great credit card
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We value your time and privacy. Your details stay secure and are used only to help you.