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HDFC Bank BizFirst Credit Card VS HDFC Bank BizGrow Credit Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
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Last updated: 28 June 2026

Both HDFC Bank BizGrow Credit Card and HDFC Bank BizFirst Credit Card suit business-focused spenders, but they earn and cost differently. HDFC Bank BizGrow Credit Card costs ₹500 + GST and earns up to 4% savings on utility, IT, and GST payments through accelerated rewards. HDFC Bank BizFirst Credit Card costs ₹500 + GST and earns 3% CashPoints on EMI spends (Merchant/EasyEMI, Aggregator EMI, Brand EMI), capped at 1,000 CashPoints per calendar month. HDFC Bank BizGrow Credit Card also brings welcome voucher worth ₹250, while HDFC Bank BizFirst Credit Card counters with get a Gift voucher worth ₹250 (redeemable on Amazon, Swiggy & more) on making one transaction on your BizFirst Credit Card within. Weigh the fee against the reward rate above to see which fits your spending pattern better.

HDFC Bank BizFirst Credit Card
HDFC Bank BizFirst Credit Card
HDFC Bank BizGrow Credit Card
HDFC Bank BizGrow Credit Card

Fees & Charges

Joining Fee₹500 + GST
Joining Fee₹500 + GST
Renewal Fee₹500 + GST
Renewal Fee₹500 + GST
Spend Based WaiverRenewal fee waiver on annual spends of ₹50,000 or more in an anniversary year (12 billing cycles).
Spend Based WaiverAnnual Fee Waiver: Spend ₹1,00,000 in an anniversary year to get the Renewal Fee waived.
Foreign Transaction Fees3.5%
Foreign Transaction Fees3.5%
Interest Rate (APR)3.75% monthly (45% annually). Enjoy up to 55 days of interest-free credit.
Interest Rate (APR)3.75% per month (APR: 45%)

Rewards & Benefits

Welcome BonusGet a Gift voucher worth ₹250 (redeemable on Amazon, Swiggy & more) on making one transaction on your BizFirst Credit Card within the first 37 days of card issuance.
Welcome BonusWelcome voucher worth ₹250.
Rewards RateEarn 3% CashPoints on EMI spends (Merchant/EasyEMI, Aggregator EMI, Brand EMI), capped at 1,000 CashPoints per calendar month. Get 2% CashPoints on Utility Bills, Electronics, SmartPay & Payzapp transactions, capped at 500 CashPoints per calendar month. Earn 1% CashPoints on all other spends, including UPI transactions, capped at 500 CashPoints per calendar month. No CashPoints on Fuel, Rent Payments, Education Transactions, Wallet/Gift/Prepaid Card loads, or voucher purchases.
Rewards RateUp to 4% savings on utility, IT, and GST payments through accelerated rewards.
Reward TypeReward Points
Reward TypeReward Points
Reward Redemption Fee₹99 + GST
Reward Redemption Fee₹99

Travel & Lifestyle

Domestic Lounge Access
Domestic Lounge Access
International Lounge Access
International Lounge Access
Travel BenefitsAvail Business Travel Benefits via MMT MyBiz (4% off on Flights and Hotels booking). Get up to 40% savings on Business travel via SmartBuy BizDeals.
Travel Benefits
Movie Benefits
Movie Benefits
Dining BenefitsUp to 20% savings on dining bills via Swiggy Dineout (Flat 10% extra off at 35K+ restaurants when paying via Swiggy App).
Dining Benefits
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% fuel surcharge waiver (maximum ₹250 per statement cycle) on transactions between ₹400 and ₹5,000 at all fuel stations across India.
Fuel Surcharge Waiver1% waiver on minimum transaction of ₹400 and maximum of ₹5000, capped at ₹250 per cycle.

Security & Other

Insurance BenefitsOptional Business Insurance package starting at an annual premium of ₹3,785, including Fire & Burglary insurance for Shop (up to ₹5 lakh), Cash in Safe/Transit (up to ₹25,000), Electronic Equipment insurance (up to ₹50,000), and Hospital Cash (Accident/Illness up to ₹1,000/day). Zero Lost Card Liability with a credit liability cover of ₹3 lakh.
Insurance Benefits
Cash Advance Charges2.5% of the advanced amount or ₹500, whichever is higher.
Cash Advance Charges2.5% or ₹500 (whichever is higher)
Apply Now(opens in new tab)
Apply Now(opens in new tab)
Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

HDFC Bank BizFirst Credit Card

HDFC Bank BizGrow Credit Card

Who is it for?

The HDFC Bank BizFirst Credit Card is designed for business owners, offering competitive rewards on business-related expenses like EMI and utility payments. It features a low annual fee, an easily achievable spend-based waiver, and dining discounts, making it a valuable tool for managing business finances efficiently.

Who is it for?

The HDFC Bank BizGrow Credit Card is designed for self-employed individuals and small businesses, offering up to 55 days of interest-free credit. It provides significant savings with up to 4% accelerated rewards on business expenses like utility, IT, and GST payments, along with a 1% fuel surcharge waiver. Cardholders also receive a welcome voucher worth ₹250. This card is an excellent choice for maximizing savings on operational costs and managing business finances efficiently.

Pros

Key benefits and features.

Comes with a low joining and annual fee of ₹500 + GST, making it affordable for businesses.

Offers a strong reward structure with up to 3% CashPoints on key business expenses like EMI and utility bills.

The renewal fee waiver is easily achievable with annual spends of ₹50,000, reducing long-term costs.

Provides up to 55 days of interest-free credit, aiding in better cash flow management for businesses.

Includes milestone benefits, rewarding consistent high spenders with additional CashPoints quarterly.

Pros

Key benefits and features.

The HDFC Bank BizGrow Credit Card offers up to 4% savings on key business expenses.

Enjoy a 1% fuel surcharge waiver, making daily commutes more economical for cardholders.

The card provides up to 55 days of interest-free credit, aiding cash flow management.

Benefit from a welcome voucher worth ₹250, adding initial value to the HDFC BizGrow card.

Cons

Key drawbacks and limitations.

Lacks premium lifestyle benefits such as complimentary lounge access or golf privileges.

CashPoints have an expiry period of two years, requiring timely redemption.

A fee of ₹99 + GST is charged for redeeming reward points, which can reduce the effective value.

The foreign currency markup of 3.5% is relatively high for international transactions.

The maximum earning limits on CashPoints for specific categories can restrict higher rewards for very large spends.

Cons

Key drawbacks and limitations.

The HDFC Bank BizGrow Credit Card has a foreign currency markup of 3.5%, which is high.

A reward redemption fee of ₹99 is charged, reducing the overall value of earned points.

The card lacks specific benefits for categories like movies, dining, or travel.

Cash advance charges are 2.5% or ₹500, whichever is higher, making cash withdrawals costly.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
Apply for HDFC Bank BizFirst Credit Card(opens in new tab)Apply for HDFC Bank BizGrow Credit Card(opens in new tab)