Loading page
Loading card
HDFC Bank
A RuPay business card that pays on EMI, utilities and UPI, with fifty-five interest-free days.
One-time
Waived on ₹7,50,000/yr
Uncapped rewards
Score 750+
Applying takes you to HDFC Bank. CredSpy does not process applications, and the ranking on this site is never influenced by commission.
Best for
Terms structured from published copy
4 reward rates with their caps, taken from HDFC Bank’s own published wording rather than checked against its terms document. Verify before you rely on a figure.
See where each figure came fromBills
No published ceiling on this tier
Utilities
No published ceiling on this tier
Online shopping
No published ceiling on this tier
Everything else
No published ceiling on this tier
Fuel transactions All exclusions
Data-driven verdict based on net earnings after fees and caps.
Key strength
3% on Bills — 3% CashPoints on EMI expenses, capped at 1,000 CashPoints a month., with no stated cap.
Biggest limitation
Every tier is capped monthly: 1,000 CashPoints on EMI, 500 on the 2% tier and 500 on the 1% base rate. A large month earns no more than about 2,000 CashPoints.
Priced with caps, exclusions, and annual fee deducted live.
Monthly spending — ₹54,000
Pricing…
Pricing…
Pricing…
Pricing…
Pricing…
Pricing…
Pricing…
Pricing…
Import a statement and this runs on your real spending instead of the sliders.
Click any drawer below to inspect fee schedules, lounge terms, reward multipliers, and exclusions.
Everything else the issuer publishes about this card. All of it is on this page and searchable — open only what you need.
3%
uncappedBills
3% CashPoints on EMI expenses, capped at 1,000 CashPoints a month.
2%
uncappedUtilities
2% CashPoints on utility bills, electronics, SmartPay and PayZapp transactions, capped at 500 CashPoints a month.
2%
uncappedOnline shopping
2% CashPoints on electronics, within the 500-CashPoint monthly cap on that tier.
1%
uncappedEverything else
1% CashPoints on all other spends including UPI, capped at 500 CashPoints a month.
| Charge | Amount | Condition |
|---|---|---|
| Joining fee | ₹500 | — |
| Annual / renewal fee | ₹500 | Renewal fee of Rs. 500 + GST is waived on spends of Rs. 7,50,000 or more in the previous year. |
| Add-on card | Not published by HDFC Bank for this card. Confirm on the card MITC before requesting an add-on card. | — |
| Cash withdrawal | 2.5%, min ₹500 | 2.5% of the amount withdrawn, subject to a minimum of Rs. 500. |
| Late payment | Not published by HDFC Bank in the summary for this card. The slab table is in the card MITC. | — |
| Foreign currency markup | 3.5% | — |
Interest only applies if a balance is carried past the due date. Paying in full each month costs nothing, and no reward rate on this card comes close to offsetting the interest if you do not.
Fees exclude GST unless stated. Charges can change — confirm against the issuer's current schedule before applying.
Year one
Rewards only
no welcome value is recorded
Every year after
₹7,50,000 a year
is what it takes to keep the ₹500 fee off — about ₹62,500 a month
Not offered on this card.
1% waiver. 1% fuel surcharge waiver. HDFC Bank publishes no transaction range or per-cycle cap for this card.
1% on UPI spends. This is a RuPay card, so it can be linked to a UPI app. UPI spends earn at the 1% base rate, within its 500-CashPoint monthly cap.
Welcome — once
None
no welcome benefit is recorded for this card
Milestones — every year
1
spend threshold you can reach again each year
No welcome benefit is recorded.
Spend ₹7,50,000 a year — about ₹62,500 a month
Renewal fee of Rs. 500 waived on spends of Rs. 7,50,000 or more in the previous year.
Scored against these published criteria only. No bureau pull, and no approval guarantee — the issuer decides.
CredSpy never collects these. You submit them to the issuer during their own application.
No reviews yet
CredSpy publishes only reviews left by real cardholders. Nothing here is generated, bought or seeded — so this stays empty until someone who holds the card writes one.
| Card | Annual fee | Headline rate | Lounge |
|---|---|---|---|
| HDFC Biz First Credit Card · this card | ₹500 | 3% bills | No |
| Marriott Bonvoy HDFC Bank Credit Card | ₹3,540 | Up to 8 reward points per ₹150 | Included |
| Suryoday SFB FD-Backed Credit Card | ₹177 | See card | No |
| IDFC FIRST Mayura Credit Card | ₹7,079 | Up to 10 reward points per ₹150 | Included |
| Indian Overseas Bank ZET FD Credit Card | Lifetime free | Up to 5% cashback | No |
Headline rates are not comparable on their own — each card caps and excludes differently. Run your own spending through the switch calculator to see which of these actually pays you more.
₹500 plus GST, waived on ₹7,50,000 of annual spend.
The strongest published rate is 3% on bills, with no stated cap. The calculator above prices your own basket with every cap and exclusion applied.
No — airport lounge access is not offered on this card.
Yes. This is a RuPay card, so it can be linked to a UPI app. UPI spends earn at the 1% base rate, within its 500-CashPoint monthly cap.
Fuel transactions Rent payments Wallet loads Cash advances and ATM withdrawals No rewards on fuel transactions, rent payments, wallet loads, cash advances and atm withdrawals. Fuel, rent, wallet loads, cash-equivalent transactions and EMI conversions are generally excluded from milestone and welcome-benefit qualifying spends
HDFC Bank publishes about ₹30,000 a month for salaried applicants, and it is usually issued above a 750 credit score. Meeting the criteria is not an approval — the issuer decides.
Statement credit against the card balance, Products and vouchers on HDFC Bank SmartBuy
You can apply online through our website by filling out the application form and uploading the required documents. You may also visit your nearest branch for in-person assistance.
Yes, you can request a limit increase through internet banking, mobile app, or by contacting customer care. Approval depends on your credit history and income. If you want, I can also create a more engaging, SEO-friendly FAQ section for your credit card website that boosts trust and conversions. Would you like me to prepare that next?
A late payment fee and interest will be charged. Missing payments can also impact your credit score.
No. This card carries no complimentary airport lounge access.
One CashPoint is worth Re. 1 when adjusted against the statement balance, so the earn rates convert straight to cashback: 3 CashPoints per Rs. 100 on bill payments is 3% back.
3 CashPoints per Rs. 100 on bill payments, 2 per Rs. 100 on utilities and online spending, and 1 per Rs. 100 elsewhere — with each CashPoint worth Re. 1 against the statement. The annual fee is Rs. 500 plus GST.
Rs. 500 plus GST as joining and annual fee, with the renewal fee waived on Rs. 7,50,000 of spending in the previous year. Revolved balances attract up to 3.75% a month (45% a year), and cash withdrawals cost 2.5% of the amount, minimum Rs. 500.
Credit card fees, rewards and benefits change. Please verify the latest terms on the issuer's website before applying. CredSpy earns a commission on some applications; it never affects rankings or what is written here.
