HDFC Bank BizGrow Credit Card – Benefits, Fees & Eligibility

1. Introduction

The HDFC Bank BizGrow Credit Card, issued by HDFC Bank, is tailored for self-employed Indian citizens and small businesses. It offers a robust rewards program focused on business expenses, providing up to 55 days of interest-free credit and a 1% fuel surcharge waiver. Key highlights include up to 4% savings on utility, IT, and GST payments through accelerated rewards, and a welcome voucher worth ₹250. The card is ideal for users with significant business-related spending looking to maximize savings on operational costs.

2. Fees & Waiver Math

Fees

• Joining Fee: ₹500 (Explicit) + 18% GST = ₹590 (Derived)
  • Conditional Offer: Lifetime Free (Till 30th April 2026) (Explicit)
• Annual Fee: ₹500 (Explicit) + 18% GST = ₹590 (Derived)
  • Conditional Offer: Lifetime Free (Till 30th April 2026) (Explicit)
• Add-on Fee: No data available from input

Waiver Logic

• Annual Fee Waiver: Spend ₹1,00,000 (Explicit) in an anniversary year (12 billing cycles) (Explicit) to get the Renewal Fee waived for the next renewal year (Explicit).

Charges

• Interest Rate: 3.75% per month (Explicit)
  • APR: 45% (Derived)
• Foreign Currency Markup: 3.5% (Explicit)
• Cash Advance Fee: 2.5% or ₹500 (whichever is higher) (Explicit)
• Fuel Surcharge: 1% waiver (Explicit)
  • Conditions: On minimum transaction of ₹400 and maximum transaction of ₹5000 (Explicit).
  • Cap: Maximum cashback of ₹250 per statement cycle (Explicit).
• Reward Redemption Fee: ₹99 (Explicit)
• Other Charges: No data available from input

Late Payment Charges (TABLE)

No data available from input

3. Rewards & Milestone Matrix

Reward Earning Structure (TABLE)

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