BizPower
Base Rate
1.25%
Forex Markup
2%
Joining Fee
₹2,500
Milestones
2
💳 Fee Structure
🧮 Reward Calculator
Monthly Spending Breakdown
Net Annual Value
+₹11,000
After ₹2,500 annual fee deduction
Base Rewards
₹6,000
Forex Net
+₹0
Milestones
₹7,500
Milestone Progress
₹5,000 voucher on spending ₹2.5L in a quarter
Spend ₹2.5L annually
Renewal fee of ₹2,500 waived on spending ₹4L in an anniversary year
Spend ₹4L annually
📝 Detailed Review
The CardVault Verdict
The HDFC BizPower Credit Card is a premium business credit card tailored specifically for entrepreneurs, SMEs, and self-employed professionals. It offers high reward rates of up to 6.25% on business utility payments, online advertising, and flights/hotels. However, HDFCs new spend requirement of ₹75k/quarter to unlock lounge access makes it less attractive for businesses with low travel-related spends.
Who Should Apply?
Best for business owners spending over ₹25,000 monthly on advertising (Google/Meta), business travel, or GST/IT payments, who can easily hit the ₹4L waiver threshold.
Lounge Access
Spend-Based Access
Spend ₹75,000/quarter to unlock
Required threshold to activate lounge visits
Visits / Year
14visits
Supported Networks
Additional Notes
2 domestic lounge visits per quarter (8/year) + 6 international visits per year, unlocked by spending ₹75,000 in the previous calendar quarter.
⚖️ Pros & Cons
✓Pros
- •Outstanding 6.25% return on key business utility, ads, and MMT travel spends
- •Generous milestone rewards giving up to ₹20,000 in vouchers annually
- •Complimentary Priority Pass membership providing 6 international lounge visits per year
- •Zero flight cancellation protection voucher via MMT every quarter
✗Cons
- •All lounge access is gated behind a high quarterly spend of ₹75,000
- •Tax payments (GST/IT) are capped at just 2 transactions per billing cycle for reward points
- •Accelerated 5X rewards are conditional on spending at least ₹25,000 in a billing cycle
Historical Changes
Track record of card modifications
Lounge and travel milestone update
Domestic/international lounge access and zero flight cancellation vouchers were linked to a quarterly spend of ₹75,000.
Tax rewards capping
Income Tax and GST transaction points were capped to the first 2 transactions per billing cycle.