RuPay 📡 Contactless NFC
HDFC Biz First Credit Card
Joining Fee₹500
Annual Fee₹500
Forex Markup 3.5%
🎁 Key Features & Highlights
🎉
Joining & Activation Welcome Gift
CashBack points equivalent to the joining fee on card activation and spending within the first 30 days
Get 1% CashPoints
on UPI payments made using your Biz First Credit Card
Get E-Vouchers Worth ₹800
on adding two or more bills to SmartPay
Get Up To 5% Cashback
on online shopping through SmartBuy
Get 2000 CashPoints
on quarterly retail spends of ₹75,000 and above
Get Up To 20% Savings
on restaurant bill payments via Swiggy Dineout using the Swiggy app at 20,000+ restaurants
Get Assured Cashback on Utility Bill Payments
through SmartPay with up to ₹1,800 in the first year
💰 Reward Structure & Point Valuation
1 CashBack / Reward Points = ₹0.25 Standard Base Earning
1 CashBack Point per ₹100 spent across all categories
Accelerated / Partner Rate
Up to 5X CashBack on SmartBuy and business spends
Points Validity:24 Months
Redemption Fee: ₹99 + GST / cycle
Redemption Modes: Statement Credit, Product Catalog, AirMiles
🚫 No Reward Points / Cashback on:
Fuel Wallet Loads Government Transactions Rent EMI
🛋️ Airport Lounge Access & Spend Criteria
✓ Lounge Access Active🛫
Domestic Lounge Visits2 domestic lounge visits per calendar year
🌐
International Lounge VisitsNone
⚠️
Spend Criteria: Subject to minimum spend requirements as per bank policy
⚡ Spend Milestones & Special Perks
Annual Fee Waiver ₹50,000/yr
Renewal fee waived off on spending ₹50,000 or more in the previous anniversary year UPI Payments Support✗ Not Supported
UPI not supported on Visa/Mastercard Fuel Surcharge Waiver1% Surcharge Waived
1% fuel surcharge waiver (Capped at ₹250/mo) 📋 Eligibility Criteria
✓ Official CriteriaAge Limit21 - 65 Years
Min. Monthly Income₹40,000
Min. Credit Score0 CRIF
Employment Typeself_employed
Official Bank Portal Application
Apply Online Now → Get the HDFC Biz First Credit Card
Annual Fee: ₹500/yr (Waivable)
Personalized Card Matcher
Still Confused About Your Best Match?
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⚡ Instant Net Yield Math•🛋️ Lounge Fee Gate Check•🆓 100% Free & Impartial
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🔍 Related Credit Card Collections
Frequently Asked Questions
No, HDFC Biz First Credit Card has a joining fee of ₹500 and an annual renewal fee of ₹500 (plus applicable taxes).
HDFC Biz First Credit Card ₹500/yr
Apply Now →