HDFC Biz Grow

HDFC Bank Biz Grow Credit Card is designed for self-employed professionals, business owners, traders, shopkeepers, and MSMEs. The card offers accelerated rewards on GST payments, Income Tax payments, utility bills, PayZapp transactions, and business-related expenses, making it a suitable option for growing businesses.

✔️ Applicant must be an Indian citizen.

✔️ Age: 21 to 65 years.

✔️ Self-employed professional, trader, MSME owner, business owner, or entrepreneur.

✔️ Annual ITR: ₹6 Lakh+ (some application channels may require higher income criteria).

✔️ Good CIBIL Score (750+ preferred).

✔️ Applications can be processed using ITR, GST Returns, Bank Statements, or Merchant Payment Reports.

✔️ Joining Fee: ₹500 + GST.

✔️ Annual Fee: ₹500 + GST.

✔️ Annual Fee Waiver: Spend ₹1 Lakh in an anniversary year.

✔️ Interest-Free Period: Up to 55 Days.

✔️ Finance Charges: Up to 3.75% per month (45% p.a.).

✔️ Forex Markup Fee: 3.5%.

✔️ Cash Advance Charges: 2.5% of amount withdrawn (Minimum ₹500).

✔️ Late Payment Charges: As per HDFC Bank policy. 

✔️ PAN Card

✔️ Aadhaar Card / Passport / Driving Licence

✔️ Income Tax Return (ITR)

✔️ GST Returns (if applicable)

✔️ Business Registration Proof

✔️ Bank Statements (Last 6 Months)

✔️ Merchant Payment Report (if applicable)

Q1. Who can apply for HDFC Biz Grow Credit Card?
Ans. Self-employed professionals, business owners, traders, and MSMEs meeting HDFC Bank's eligibility criteria can apply.

Q2. What is the annual fee of the card?
Ans. The joining and annual fee is ₹500 + GST.

Q3. Can the annual fee be waived?
Ans. Yes, by spending ₹1 lakh or more in an anniversary year.

Q4. What is the milestone benefit?
Ans. Cardholders receive 2,000 Bonus CashPoints on quarterly spends of ₹1 lakh.

Q5. What are the major business benefits?
Ans. Savings on GST payments, Income Tax payments, bill payments through PayZapp, D-Mart purchases, and accelerated CashPoints on eligible business spends.