{"id":82892,"date":"2025-12-11T20:37:24","date_gmt":"2025-12-11T15:07:24","guid":{"rendered":"https:\/\/piceapp.com\/blogs\/?p=82892"},"modified":"2025-12-11T20:37:28","modified_gmt":"2025-12-11T15:07:28","slug":"biz-grow-credit-card","status":"publish","type":"post","link":"https:\/\/piceapp.com\/blogs\/biz-grow-credit-card\/","title":{"rendered":"HDFC Biz Grow Credit Card: Features, Benefits, Fees &amp; Eligibility"},"content":{"rendered":"\n<div class=\"wp-block-group has-background\" style=\"background-color:#f2f5f9\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<p><strong>Key Takeaways<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Earn 10x Cash Points on select business spends.<\/li>\n\n\n\n<li>Save up to 40% on travel via SmartBuy BizDeals.<\/li>\n\n\n\n<li>The Cash Point value can increase up to \u20b90.30.<\/li>\n\n\n\n<li>Annual fee is \u20b9500, waived after \u20b91 lakh yearly spend.<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<p>Ever wondered how a single card can support every key expense in your business? The HDFC<strong> Biz Grow credit card<\/strong> brings a sharp mix of control, value and convenience for business owners.<\/p>\n\n\n\n<p>It offers higher limits, focused 10x rewards, expense tracking tools and separate employee cards. This helps you manage business costs with ease, keep personal and business expenses apart and build a stronger financial base for your enterprise.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Business Benefits and Savings with HDFC Biz Grow Credit Card<\/strong><\/h2>\n\n\n\n<div class=\"wp-block-media-text is-stacked-on-mobile\"><figure class=\"wp-block-media-text__media\"><img loading=\"lazy\" decoding=\"async\" width=\"569\" height=\"364\" src=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2025\/12\/HDFC-Biz-Grow-Credit-Card.webp\" alt=\"HDFC Biz Grow Credit Card\" class=\"wp-image-83039 size-full\" title=\"\" srcset=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2025\/12\/HDFC-Biz-Grow-Credit-Card.webp 569w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2025\/12\/HDFC-Biz-Grow-Credit-Card-300x192.webp 300w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2025\/12\/HDFC-Biz-Grow-Credit-Card-150x96.webp 150w\" sizes=\"auto, (max-width: 569px) 100vw, 569px\" \/><\/figure><div class=\"wp-block-media-text__content\">\n<p>Enjoy instant savings on top business software such as Google Workspace, Tally Prime, AWS and Microsoft Azure. <\/p>\n\n\n\n<p>This builds a strong foundation for your business.\u00a0<\/p>\n<\/div><\/div>\n\n\n\n<p>The card then adds more value across travel and daily spending.<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>10x Cash Points on Select Business Spends<\/strong><\/li>\n<\/ol>\n\n\n\n<p>You earn 10x Cash Points on bill payments through PayZapp and SmartPay. The offer covers Dmart, Cleartax and hotel or flight bookings through MMT MyBiz. You gain steady value on each spend.<\/p>\n\n\n\n<ol start=\"2\" class=\"wp-block-list\">\n<li><strong>Business Travel Benefits<\/strong><\/li>\n<\/ol>\n\n\n\n<p>You save up to 40% on travel via SmartBuy BizDeals. Benefit from 4% off on flights and hotels via MMT MyBiz. Low fares, free meals and simple seat choice add more value.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Other HDFC Biz Grow Credit Card Benefits<\/strong><\/h2>\n\n\n\n<p>The card also gives a basic 1% fuel surcharge waiver, a feature that remains common across most credit cards. The other benefits stand far stronger and add real value to your daily business needs.<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Cashback Benefits:<\/strong> You earn up to \u20b91,800 cashback in the first year through SmartPay bill payments. You also earn 2,000 Cash Points every quarter on spends of \u20b91,00,000. The value stays steady across the year.<\/li>\n\n\n\n<li><strong>Lifestyle Benefits:<\/strong> You get a flat 10% extra off on dining at more than 35,000 restaurants. You also save up to 20% on dining via Swiggy Dineout. A \u20b9250 voucher comes with your first transaction.<\/li>\n\n\n\n<li><strong>SmartPay:<\/strong> You get assured cashback up to \u20b91,800 in the first year. You also get e-vouchers worth up to \u20b9800 after you add two or more bills.<\/li>\n\n\n\n<li><strong>Banking Benefits:<\/strong> You get zero liability on lost or stolen cards once you report the loss. You also get a credit liability cover of \u20b93 lakh.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Insurance Plan with HDFC Biz Grow Credit Card<\/strong><\/h2>\n\n\n\n<p>Your business gets a clear <a href=\"https:\/\/www.hdfc.bank.in\/content\/dam\/hdfcbankpws\/in\/en\/personal-banking\/discover-products\/cards\/business-credit-cards\/biz-grow\/pdfs\/hdfc-bank-business-card-holders-t-andc.pdf\" target=\"_blank\" rel=\"noopener\">insurance package<\/a> with the cover starting at an annual premium of \u20b93,785. It extends to shop safety, cash security, equipment protection and hospital cash support.&nbsp;<\/p>\n\n\n\n<p>You can pick a plan that suits your business size and risk level.<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Benefit Type<\/strong><\/td><td><strong>Minimum Cover<\/strong><\/td><td><strong>Maximum Cover<\/strong><\/td><\/tr><tr><td>Fire &amp; Burglary<\/td><td>\u20b95 lakh<\/td><td>\u20b950 lakh<\/td><\/tr><tr><td>Cash in Safe<\/td><td>\u20b925,000<\/td><td>\u20b92.5 lakh<\/td><\/tr><tr><td>Cash in Transit<\/td><td>\u20b925,000<\/td><td>\u20b92.5 lakh<\/td><\/tr><tr><td>Electronic Equipment<\/td><td>\u20b950,000<\/td><td>\u20b92.5 lakh<\/td><\/tr><tr><td>Hospital Cash (per day)<\/td><td>\u20b91,000<\/td><td>\u20b95,000<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong><em>Note:<\/em><\/strong><em> Hospital cash is paid per day for a maximum of 30 days only.<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Cash Point Redemption Guide<\/strong><\/h2>\n\n\n\n<p>The BizGrow Credit Card keeps Cash Point redemption easy and direct. Each Cash Point holds a clear value and you can use it across travel, products and business needs.&nbsp;<\/p>\n\n\n\n<p>The system stays simple and suits daily use.<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Cash Point Value<\/strong><\/li>\n<\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u20b90.25 for cashback<\/li>\n\n\n\n<li>\u20b90.25 for flights and hotels on SmartBuy<\/li>\n\n\n\n<li>Up to \u20b90.25 for product catalogue<\/li>\n\n\n\n<li>Up to \u20b90.30 for business catalogue<\/li>\n<\/ul>\n\n\n\n<p><strong><em>Example:<\/em><\/strong><em> 1000 CashPoints = <\/em><a href=\"https:\/\/www.hdfc.bank.in\/content\/dam\/hdfcbankpws\/in\/en\/personal-banking\/discover-products\/cards\/business-credit-cards\/biz-grow\/pdfs\/bizgrow.pdf\" target=\"_blank\" rel=\"noopener\"><em>Savings<\/em><\/a><em> of up to \u20b9250 or up to \u20b9300 based on the option.<\/em><\/p>\n\n\n\n<ol start=\"2\" class=\"wp-block-list\">\n<li><strong>Redemption Rules<\/strong><\/li>\n<\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n<li>A minimum of 2,500 Cash Points is needed to claim cashback on the statement.<\/li>\n\n\n\n<li>Up to 50% of a flight or hotel booking can be paid with Cash Points and the balance must come from the card limit.<\/li>\n\n\n\n<li>Up to 70% of select vouchers or product value can be paid through Cash Points.<\/li>\n<\/ul>\n\n\n\n<p><strong><em>Note:<\/em><\/strong><em> A cap of 15,000 Cash Points applies per statement cycle and unredeemed Cash Points lapse after 2 years.<\/em><\/p>\n\n\n\n<p><em>Struggling to manage all your <\/em><a href=\"https:\/\/piceapp.com\/credit-card-bill-payment\/\"><em>credit card bill payments<\/em><\/a><em>? Download and use the Pice App. It helps you track payments, manage your credit card bills and avoid late fees with simple reminders.<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Modes to Activate Your HDFC Biz Grow Credit Card<\/strong><\/h2>\n\n\n\n<p>Your card activation has multiple secure options. Each mode allows quick PIN setup through your registered mobile number.<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>MyCards:<\/strong> Visit the MyCards portal, enter your registered mobile number, authenticate with OTP, select the BizGrow Credit Card and set a 4-digit PIN.<\/li>\n\n\n\n<li><strong>IVR:<\/strong> Call 1860 266 0333, enter the last four digits of your card, validate with OTP and set your 4-digit PIN.<\/li>\n\n\n\n<li><strong>Mobile Banking:<\/strong> Log in, open the Cards section, choose the BizGrow Credit Card, select Change PIN, set the PIN and confirm with OTP.<\/li>\n\n\n\n<li><strong>NetBanking:<\/strong> Log in, go to the \u2018Request\u2019 section in \u2018Cards\u2019, choose \u2018Instant PIN Generation\u2019, select your card and set the 4-digit PIN.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>HDFC Biz Grow Credit Card Charges<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Parameters<\/strong><\/td><td><strong>Charges<\/strong><\/td><\/tr><tr><td>Cash Advance Fee<\/td><td>2.5% or \u20b9500 (whichever is higher)<\/td><\/tr><tr><td>SmartEMI Processing Fee<\/td><td>\u20b9199 + GST<\/td><\/tr><tr><td>Card Replacement Fee<\/td><td>\u20b9100<\/td><\/tr><tr><td>Finance Charges<\/td><td>3.60% monthly or 43.20% annually + GST<\/td><\/tr><tr><td>Late Payment Fees<\/td><td>NIL for &lt;=\u20b9100Then it varies between \u20b9100 &#8211; \u20b91,300 depending on the outstanding balance.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong><em>Note:<\/em><\/strong><em> The Biz Grow Credit Card offers an interest-free period of 25 to 55 days. The exact duration depends on the purchase date. Earlier purchases in the cycle get more interest-free days than later ones.<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Things to Know About the HDFC Biz Grow Credit Card<\/strong><\/h2>\n\n\n\n<p>This card gives you easy access to term loans and follows clear fee rules.<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>A loan can be requested through NetBanking under the Insta Loan option, or you can call the PhoneBanking team for an Insta or Jumbo loan.<\/li>\n<\/ol>\n\n\n\n<p><strong><em>Note:<\/em><\/strong><em> Toll-free support remains available at 1800 202 6161 and 1860 267 6161.<\/em><\/p>\n\n\n\n<ol start=\"2\" class=\"wp-block-list\">\n<li>The card carries a joining and renewal fee of \u20b9500 plus taxes. The renewal fee is waived when the total expenses cross \u20b91 lakh within 12 billing cycles.<\/li>\n<\/ol>\n\n\n\n<p><em>You can also make card management easier with the <\/em><a href=\"https:\/\/piceapp.com\/\"><em>Pice App<\/em><\/a><em>. Install the app and link your cards for faster bill payments.<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">FAQs<\/h3>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1765454581974\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">What is the Biz Grow credit card eligibility?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>A self-employed Indian citizen aged 21 to 65 qualifies for this card. The annual ITR must be above \u20b96 lakh. Applicants can use ITR, GST returns, bank statements or a merchant payment report.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1765454595481\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">What are the policy names that the card offers?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>The cover comes from Sarv Suraksha Plus (Group) and Business Secure Sookshma Udyam. Both plans support the primary cardholder with fixed yearly benefits.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1765455056286\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Which risks are not covered?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Terrorism is not covered under the money or burglary section. Theft and RSMD are also among the things that remain excluded, as stated in the policy details.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1765455065803\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Can I pay for personal needs with a business card?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>It is not a good idea. Personal costs mix with business records and may cause tax issues. Keep both types of expenses separate to stay safe and clear.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1765455075621\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Can Reward Points be turned into cash?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Reward Points can turn into cash through NetBanking. Visit the Cards section, open the redemption tab and pick the cash option. The amount adjusts against your card bill.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1765455087720\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">How do I use my Reward Points?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Log in to NetBanking and open the \u2018Cards\u2019 section. Choose \u2018Redeem Reward Points\u2019 and select your card. Points can be used for cashback, vouchers, products, flights or hotels through SmartBuy.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1765455098237\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">What credit limit can a business card offer?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>The limit varies based on the card and profile. HDFC Bank business cards generally offer limits from \u20b925,000 to \u20b95 lakh. The final limit depends on eligibility and documents.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Key Takeaways Ever wondered how a single card can support every key expense in your business? The HDFC Biz Grow credit card brings a sharp mix of control, value and convenience for business owners. It offers higher limits, focused 10x rewards, expense tracking tools and separate employee cards. This helps you manage business costs with [&hellip;]<\/p>\n","protected":false},"author":6,"featured_media":83045,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-82892","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-card"],"_links":{"self":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/82892","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/comments?post=82892"}],"version-history":[{"count":3,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/82892\/revisions"}],"predecessor-version":[{"id":83040,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/82892\/revisions\/83040"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media\/83045"}],"wp:attachment":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media?parent=82892"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/categories?post=82892"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/tags?post=82892"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}