Overview
The HDFC Bank BizPower Credit Card is a Mid credit card issued by HDFC Bank on the Visa network. It offers a base reward rate of 2.67% on all spends, with rewards issued as Points(1 pt = ₹0.25).
Annual Fee: ₹2,500
Eligibility: Self-employed Indian citizen, 21-65 years, with an annual ITR over ₹12 lakh.
Reward Rates & Cashback Rules
- CATEGORY – Tax Payments: 13.33% cashback | monthly cap ₹1250.0 | via Government Portals ⚠️ 5X rewards (16 bonus points per ₹150) are applicable only upon meeting a minimum spend of ₹25,000 in a statement cycle. The bonus points are capped at 5,000 per cycle across all 5X categories.
- CATEGORY – Utilities: 13.33% cashback | monthly cap ₹1250.0 | via SmartPay and PayZapp ⚠️ 5X rewards (16 bonus points per ₹150) are applicable only upon meeting a minimum spend of ₹25,000 in a statement cycle. The bonus points are capped at 5,000 per cycle across all 5X categories.
- MERCHANT – Google Ads: 13.33% cashback | monthly cap ₹1250.0 ⚠️ 5X rewards (16 bonus points per ₹150) are applicable only upon meeting a minimum spend of ₹25,000 in a statement cycle. The bonus points are capped at 5,000 per cycle across all 5X categories.
- MERCHANT – Meta Ads: 13.33% cashback | monthly cap ₹1250.0 ⚠️ 5X rewards (16 bonus points per ₹150) are applicable only upon meeting a minimum spend of ₹25,000 in a statement cycle. The bonus points are capped at 5,000 per cycle across all 5X categories.
- MERCHANT – Reliance Digital: 13.33% cashback | monthly cap ₹1250.0 ⚠️ 5X rewards (16 bonus points per ₹150) are applicable only upon meeting a minimum spend of ₹25,000 in a statement cycle. The bonus points are capped at 5,000 per cycle across all 5X categories.
- CATEGORY – Software: 13.33% cashback | monthly cap ₹1250.0 | via SmartBuy BizDeals ⚠️ 5X rewards (16 bonus points per ₹150) are applicable only upon meeting a minimum spend of ₹25,000 in a statement cycle. The bonus points are capped at 5,000 per cycle across all 5X categories. Applies to Tally, Office 365, AWS, Google Workspace etc.
- CATEGORY – Travel: 13.33% cashback | monthly cap ₹1250.0 | via MMT MyBiz via SmartBuy BizDeals ⚠️ 5X rewards (16 bonus points per ₹150) are applicable only upon meeting a minimum spend of ₹25,000 in a statement cycle. The bonus points are capped at 5,000 per cycle across all 5X categories.
- CATEGORY – Fuel: 0.0% cashback
- CATEGORY – Wallet: 0.0% cashback
- CATEGORY – Rent: 0.0% cashback
- CATEGORY – Education: 0.0% cashback
- CATEGORY – EMI: 0.0% cashback
Key Features & Benefits
- Welcome Benefit 🎁: Annual Amazon Prime membership and 6-month Biz Prime subscription on completing one online transaction within the first 30 days.
- Milestone Benefit 🏆: Receive a gift voucher worth ₹2,500 on quarterly spends of ₹2.5 lakh.
- Domestic Lounge Access ✈️: 2 complimentary domestic lounge visits per quarter.
- International Lounge Access 🌍: 6 complimentary international lounge visits per year through Priority Pass.
- Spend-Based Lounge Access ✈️: 2 additional complimentary domestic lounge accesses on spending ₹75,000 in the previous quarter.
- Fuel Surcharge Waiver ⛽: 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000.