The HDFC Bank BizPower Credit Card is intended for entrepreneurs and small business proprietors who wish to optimise their rewards and reduce their expenses. Its unique selling proposition is the provision of customised benefits, including rebates on petroleum and utility bills, expense management tools, and rewards for business-related purchases. It is particularly well-suited for corporate cardholders and business professionals, as it offers exclusive reductions on office supplies, rewards on business travel, and access to premium concierge services. This card is ideal for individuals who wish to optimise their business expenditures while simultaneously experiencing premium rewards and benefits, as it enhances financial flexibility with its business-oriented advantages.
Gift Voucher Worth Rs.2500 of MakeMyTrip / Reliance Digital
Exclusions
Fuel, Jewellery, Rent, Utilities, Wallets
Rewards capping
Redemption modes
Airmiles
Vouchers
Credit
Additional Features
Lounge Benefits
Insurance Benefits
Insurance
Other Perks
4% Off on Flights and Hotels Booking
20% Discount on Dining
Nuclei Discount On Business Software
Eligibility Criteria
Age
21Y
Min
65Y
Max
Credit Score
750+
Ex Min
Income
(
Salaried or Self-Employed
)
₹
Annual ITR above Rs 12 Lakh
Other: Card-to-card eligibility requirements.
Pros
Earn 4 Reward Points per ₹150 spent on business expenses.
Accelerated 5X Reward Points on select business spends, including bill payments via PayZapp & SmartPay, income tax and GST payments, and purchases of business software like Microsoft Office 365 and Tally.
Complimentary Amazon Prime Annual Membership and 6-month Biz Prime Membership upon making an online transaction within the first 30 days.
Quarterly milestone benefit of a ₹2,500 gift voucher from MakeMyTrip or Reliance Digital on spending ₹2.5 lakh per quarter.
Cons
Annual fee of ₹2,500 plus applicable taxes, with a waiver on spending ₹4 lakh in an anniversary year.
5X Reward Points capped at 5,000 bonus points per statement cycle, applicable only on monthly spends exceeding ₹25,000.
No Reward Points on fuel, EasyEMI, wallet loads, rent, and government-related transactions.
Limited lounge access: 2 complimentary domestic visits per quarter, with an additional 2 based on spending, and 6 international visits annually.
