All Benefits
- HDFC Biz Power is a business rewards card
- 5 Reward Points per ₹200 on business spends
- 5X Reward Points on select business categories
- Up to 10X on SmartBuy
- Complimentary airport lounge access
Fees
Joining Fee
₹1,500 Amazon Voucher or Amazon Prime Membership on completing 1 transaction
₹2,950
₹2,500 + GST
Annual Fee
Not Applicable
₹2,950
₹2,500 + GST
Eligibility
Age
21-65 years
Income
₹1L / Month
Credit Score
750+
Bank Fee Structure
Forex Markup
3.5% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency Examples (3.5%): ₹100 → ₹3.5 ₹1,000 → ₹35 ₹10,000 → ₹350 ₹1,00,000 → ₹3,500
3.5%
Finance Charges (APR)
Finance charges of 3.75% per month (45% per annum) apply on unpaid outstanding balances until the amount is fully repaid
3.75%
ATM Withdrawal
2.5%
Reward Redemption
₹99 redemption fee per redemption request
₹99
Railway Surcharge
A surcharge of 1% is applied to transactions made for booking railway tickets
1%
Rent Payment
A surcharge fee of 1% applies on rental transactions made using the credit card
1%
Cheque Payment
A fee of 2% of the payment amount (minimum ₹450) is levied for cheque return, cheque dishonour, or auto-debit reversal
2%
Cash Payment
₹100 is charged on all card payments made by depositing cash at HDFC Bank branches or ATMs
₹100
Late Payment Charges
| Amount due | Fee |
|---|---|
| ₹0 - ₹100 | ₹0 |
| ₹101 - ₹500 | ₹100 |
| ₹501 - ₹1000 | ₹500 |
| ₹1001 - ₹5000 | ₹600 |
| ₹5001 - ₹10000 | ₹750 |
| ₹10001 - ₹25000 | ₹900 |
| ₹25001 - ₹50000 | ₹1100 |
| ₹50000+ | ₹1300 |
Late payment charges are levied based on the outstanding balance if the Minimum Amount Due is not paid by the payment due date, ranging from Nil (up to ₹100) up to ₹1,300 (above ₹50,000), excluding GST
Reward Exclusions
Terms & Conditions
- The bank may offer a different card variant based on your eligibility; please carefully review the features and benefits of the card offered before submitting your application
- A minimum transaction of ₹100 within 30 days of card issuance is required to activate the card, failing which you will not be eligible for rewards
Full charges and terms: Bank MITC / Terms