M16S / HDFC Bank / HDFC BizPower Credit Card
premium · business, rewards
HDFC BizPower Credit Card
The HDFC BizPower Credit Card costs Rs 2,500 a year, waived if you spend Rs 4,00,000 in a year. Its base return is 1.25%. The forex markup is 2%. Lounge visits in India: 2 per calendar quarter (up to 8 a year), spend-based. Read from the issuer's documents and an aggregator on 31 Oct 2026.
- Annual fee
- Rs 2,500+ GST
- Fee waived at
- Rs 4,00,000annual spend
- Base return
- 1.25%
- Forex markup
- 2%
- Interest
- 3.75%a month
Apply on hdfc.bank.inOpens the bank’s own page.
Fees
| Joining fee | Rs 2,500 |
|---|---|
| Annual fee | Rs 2,500 |
| Annual spend that waives the fee | Rs 4,00,000 |
| Fee notes | Joining/renewal fee Rs 2,500 + taxes; renewal fee waived on Rs 4 lakh spend in an anniversary year; first-year fee billed 120 days after issue (HDFC page). |
Rewards
| Welcome benefit | Amazon Prime membership or Rs 1,500 Amazon voucher on one tax (IT/GST), travel or ads (Meta/Google) transaction in the first 30 days; first-time cardholders only from 25 Oct 2025 |
|---|---|
| Reward currency | Reward Points |
| Base earn | 5 RP per Rs 200 on business spends (excluding petrol, wallet, rent, education, EMI); only the first 2 income-tax and first 2 GST transactions per billing cycle earn points |
| Base return | 1.25% |
| Point value | 1 RP = up to Rs 0.65 business catalogue; up to Rs 0.50 SmartBuy flights/hotels; up to 0.5 airmile; up to Rs 0.35 product catalogue; Rs 0.15 cashback against statement (page) |
| Accelerated earn | 5X Reward Points on bill payments via PayZapp/SmartPay, income tax and GST payments, MMT MyBiz hotel and flight bookings, business software via Nuclei, Google Ads, Meta Ads, Reliance Digital; needs Rs 25,000 spend (IT and GST excluded) in the statement cycle. Up to 10X on SmartBuy. |
| Caps | 5X bonus capped at 7,500 RP per statement cycle; SmartBuy 10X capped at 4,000 RP per month; max 60,000 RP per statement cycle; UPI on RuPay 500 RP per calendar month (page); grocery 2,000 RP/month (MITC) |
| Spends that earn nothing | No points on petrol, wallet, rent, education, EMI (page) |
| Points expiry | 2 years |
| Milestone benefits | Rs 5,000 MakeMyTrip or Reliance Digital voucher on Rs 2.5 lakh retail spend per quarter (petrol, IT, GST, EMI excluded) from 1 Jul 2026; was Rs 2,500 until 30 Jun 2026 |
| Reward notes | Redemption fee Rs 99 + GST (MITC); min 2,500 RP for statement redemption. Base return recomputed from the issuer page: 5 RP/200 x Rs 0.50 (SmartBuy flights/hotels) = 1.25%; 1.63% at the Rs 0.65 business-catalogue value. Points cover up to 50% of a flight/hotel booking. The page's calculator blurb still says '4 reward points on every Rs 150'. A product-feature-change PDF effective 15 May 2026 is linked but was not read. |
Travel and perks
| Domestic lounge | 2 per calendar quarter (up to 8 a year), spend-based |
|---|---|
| International lounge | 6 per year via Priority Pass (after 4 retail transactions); RuPay variant by card swipe |
| Lounge conditions | Domestic visits need Rs 75,000 spend in the previous calendar quarter and open from the 5th of the quarter; the same spend also gives 1 zero-cancellation MakeMyTrip domestic flight voucher per quarter |
| Forex markup | 2% |
| Fuel surcharge waiver | Not applicable (MITC) |
| Other freebies | Up to 55 interest-free days; credit liability cover Rs 9 lakh; 10% off via Swiggy Dineout; SmartPay cashback up to Rs 1,800 in the first year; optional paid business insurance package from Rs 3,785 a year |
Charges and eligibility
| Interest per month | 3.75% |
|---|---|
| Late payment fee | On outstanding balance: up to Rs 100 nil; 101-500 Rs 100; 501-1,000 Rs 500; 1,001-5,000 Rs 600; 5,001-10,000 Rs 750; 10,001-25,000 Rs 900; 25,001-50,000 Rs 1,100; above 50,000 Rs 1,300 (MITC) |
| Cash advance fee | 2.5% of amount, min Rs 500 |
| Eligibility | Self-employed Indian citizen, age 21-65, ITR above Rs 12 lakh; can apply with ITR or GST returns |
| Fine-print notes | A search result headline reports BizPower added 22 airline and hotel transfer partners; the article was not read, so partners are left empty. Issuer product page read 2026-10-12. Networks taken from the page's network-offers section (Visa, Mastercard) and its RuPay lounge line; not a formal statement of variants. Forex markup and fuel surcharge waiver are not stated on the page. Conflicts (issuer page used): base_earn: old '4 RP per Rs 200' (cardinsider) vs page '5 RP per Rs 200'; base_return_pct 1.0 -> 1.25 | reward_caps: old '5X bonus capped at 5,000 RP per cycle' (cardinsider) vs page '7,500 RP' | lounge_domestic: old '2 per quarter plus 2 more on Rs 75,000 spend, up to 16 a year' (cardinsider) vs page '2 per quarter on Rs 75,000 spend in the previous quarter' (the page calculator blurb still says 16) | milestone_benefits: old 'Rs 2,500 voucher' vs page 'Rs 5,000 from 1 Jul 2026' | welcome_benefit: old 'Amazon Prime annual and Biz Prime 6 months' (cardinsider) vs page 'Amazon Prime membership or Rs 1,500 Amazon voucher'. Bank-wide charges per MITC: 1% fee on rent payments (cap Rs 4,999/txn); 1% on utility spends above Rs 50,000/month (Rs 75,000 on business cards); 1% on wallet loads above Rs 10,000/month (PayZapp exempt); 1% on fuel spends above Rs 15,000/month (Rs 30,000 business); 1% on online skill gaming above Rs 10,000/month; 1% on education paid via third-party apps; 1% + GST on railway tickets; 1.75% markup on INR transactions at overseas merchants from 15 May 2026. Points lapse if the card is unused for 365 days. |
Questions
- What is the annual fee of the HDFC BizPower Credit Card?
- Rs 2,500 a year, before GST. It is waived if you spend Rs 4,00,000 in a year.
- Does the HDFC BizPower Credit Card give airport lounge access?
- Yes. In India: 2 per calendar quarter (up to 8 a year), spend-based. Outside India: 6 per year via Priority Pass (after 4 retail transactions); RuPay variant by card swipe. Conditions: Domestic visits need Rs 75,000 spend in the previous calendar quarter and open from the 5th of the quarter; the same spend also gives 1 zero-cancellation MakeMyTrip domestic flight voucher per quarter
- What is the forex markup on the HDFC BizPower Credit Card?
- 2% of each foreign-currency transaction, before GST.
- Which spends earn no rewards on the HDFC BizPower Credit Card?
- No points on petrol, wallet, rent, education, EMI (page)