HDFC Biz Grow Credit Card

• On making one transaction on your Biz Grow Credit card within first 37 days of card issuance, cardholders can avail themselves of voucher worth Rs.250 
• Offers milestone benefits to cardholders: 
  • On quarterly spend of Rs.1 lakh on retail spends excluding rent and petrol, cardholders can earn 2000 cashpoints 
  • Cash points can be redeemed against the statement

Note:

• Minimum spends for earning 10X cash points is Rs.10,000 in a statement cycle 
• Maximum cash points per statement cycle that can be availed are 1,500 
• Vouchers earned can be redeemed on top brands, such as Swiggy, Amazon, etc.

Benefits of HDFC Biz Grow Credit Card

The following are some of the benefits: 

• Cardholders can avail themselves of fuel surcharge waiver of 1.00% across all fuel stations on minimum and maximum transaction of Rs.400 and Rs.5000, respectively, with a maximum cashback of Rs.250 per statement cycle
• The card ensures zero lost card liability on fraudulent transactions made using your HDFC Biz Grow credit card 
• Offers easy EMI option for large online or in-store purchases using your Biz Grow Credit Card 
• HDFC Bank Biz Grow Credit Card provides Smart EMI option that enables cardholders to convert big spends into EMI 
• Offers dining benefits of 10% on restaurant bill payment via Swiggy App using your card for Swiggy Dineout 
• For utility payments, automatic payment facility known as Smart Pay is available for the cardholders 
• Offers a credit liability cover of Rs.3 lakh 
• Offers 5% cashback on purchasing Instant vouchers of Amazon, Swiggy, Reliance Digital and other brands via SmartBuy 
• Offers 4% off on flight and hotel bookings made through MMT MyBiz 
• Offers Insta Loan and Jumbo Loan options, which cardholders can avail through NetBanking or PhoneBanking 

Eligibility Criteria to Apply for HDFC Biz Grow Credit Card 

Here are the eligibility criteria for applying for HDFC Biz Grow credit card: 

• The age of the applicant must be between 21 years and 65 years 
• The Income Tax Return for the year should be above Rs.12 lakh 
• The applicant must be a self-employed Indian citizen 
• Documents such as GST returns, Income Tax Return (ITR), bank statements and merchant payment reports are required to apply 

How to Apply for HDFC Biz Grow Credit Card

You can apply for the HDFC Biz Grow credit card online by following these steps: 

• Provide and validate your phone number and date of birth or PAN 
• Confirm your details 
• Select your card 
• Submit your application and receive your card 

In certain cases, uploading documents and completing video KYC might be required. 

Business Insurance Benefit of HDFC Biz Grow Credit Card 

The following is the list of business insurance benefits of HDFC Biz Grow credit card that will secure your business: 

• Up to Rs.5 lakh as fire and burglary insurance 
• Up to Rs.50,000 for Electronic Equipment insurance excluding terrorism 
• Up to Rs.25,000 for cash in Safe or Transit 
• Hospital cash that include the illness and accident for which per day amount payable is Rs.1000 

Note:

• The annual premium of Rs.3,785 can be availed for business insurance 
• The coverage amount can be increased as per the business need 

Cash Point Redemption and Validity of HDFC Biz Grow Credit Card 

Here are the details related to cash points and validity of HDFC Biz Grow credit card: 

• Cash points can be redeemed against statement cycle and minimum requirement is 2,500 CP (Cash Points) 
• On flight and hotel bookings, cardholder can redeem 50% of the booking value on SmartBuy 
• CP can also be redeemed via Net Banking and SmartBuy against Business Catalogue 
• CP can also be redeemed via Net Banking and SmartBuy against Product Catalogue 
• Maximum CP that can be earned in a statement cycle are 1,500 
• Up to 70% of product/Voucher value can be redeemed via CP and remaining via credit card limit from 1 February 2023 
• The accumulated cash points remain valid for two years from the date of accumulation 
• Redemption through the reward catalogue attracts a handling charge of Rs.99 plus applicable taxes, while redemption against the statement balance has no handling charge 

Note: The remaining booking amount will have to be paid through credit card limit

How to Set the PIN for HDFC Biz Grow Credit Card 

The following are the ways through which you can set PIN for HDFC Biz Grow credit card:

Mobile Banking:

The following are the steps to set PIN for HDFC Biz Grow credit card via Mobile Banking: 

• Login to Mobile Banking 
• Navigate to the ‘Cards’ Section 
• Select ‘Biz Grow Credit Card’ 
• Choose ‘Change Pin’ option 
• Enter your 4-digit PIN and confirm 
• Authenticate using OTP 
• After authenticating, PIN will be generated, and you will receive a message ‘PIN Generated Successfully’ 

Net Banking:

The following are the steps to set PIN for HDFC Biz Grow credit card via Net Banking: 

• Login to your Net banking account using your credentials 
• Click on ‘Cards’ 
• Visit ‘Request’ Section 
• Select ‘Instant Pin generation’ 
• Select card number and enter your 4-digit Pin

MyCards

The following are the steps to set PIN for HDFC Biz Grow credit card via MyCards: 

• Visit HDFC Bank MyCards
• Enter registered Mobile number 
• Authenticate your mobile number by entering the OTP received on your number 
• Select ‘Biz Grow Credit Card’ 
• Select ‘Set Pin’ and enter your 4-digit pin

IVR

The following are the steps to set PIN for HDFC Biz Grow credit card via IVR by calling 1860 266 0333 from your registered mobile number: 

• Enter the last 4 digits of your Business Credit Card Number 
• Validate using OTP received on registered mobile number 
• Set 4-digit PIN of your choice

Fees and Charges of HDFC Biz Grow Credit Card 

The HDFC Biz Grow credit cardholders need to pay Rs.500 plus applicable taxes as joining fee or renewal fee. The renewal fee can be waived off for the next renewal year, if the cardholders spend Rs.1 lakhs in an anniversary year. 

Customer care details 

The following are the contact details of customer for your HDFC Biz Grow credit card: 

• Toll-free number: 1800 202 6161 or 1860 267 6161 

How to Enable Online, International and Contactless Transactions in Biz Grow Credit Card?

The following are the steps to enable online, international and contactless transactions using HDFC Biz Grow credit card: 

Using MyCards:

• Visit the MyCards page on the official website of HDFC Bank
• Login using your registered mobile number 
• Receive OTP on your registered mobile number 
• Enter the last four digits of your credit card (only for First-time login users) 
• Click on ‘Card Control’ tab on the Credit Card homepage 
• Enable Online/Contactless/International usage mode and set usage limits 
• After completing the process, your card usage settings will be instantly modified 

EVA:

• Click to open HDFC Bank’s Digital Assistant – EVA  
• Click on ‘Manage my Credit Card’ option and then on ‘Online(E-Commerce) Transactions’ or type How to enable online transactions on my Credit Card? 
• Provide your 10-digit mobile number 
• Enter the OTP received on the registered mobile number 
• Enter the last 4 digits of your Credit Card number 
• Enable status for Online / Contactless / International transaction which will be shown as disabled in the screen 
• After enabling, you will receive a message ‘Congratulations! You just enabled your Online / Contactless / International Transactions.’ 

Net Banking:

• Login to NetBanking using your Customer ID 
• Go to the Cards Tab > Select the card > Click Manage card > Manage Domestic and International Limits
• You will be able to view your existing daily domestic and international usage limits
• Enable or disable Online, Contactless, and International usage based on your preference
• Click ‘Update’, enter the OTP received on your registered mobile number, and then click ‘Continue’
  
• After completing the process, you will receive ‘Congratulations!!! You just enabled your Online / Contactless / International Transactions’ 

WhatsApp Banking:

• On your mobile phone, add HDFC Bank’s Official WhatsApp number – 7070022222 to your contacts  
• Send the text ‘Credit Card’ to the above number 
• You will receive a message as a reply asking to choose from various options and choose ‘Manage My Card’
• You will receive a reply with options to select ‘Domestic / International / Enhance limits’. Choose the option you want to enable, such as Domestic Online Transactions, Contactless Transactions, or International Transactions
• Enter the transaction limit you want to set. You receive an OTP on your registered mobile number
• Enter the OTP 
• Enter the last 4 digits of your Credit Card number 
• The current status of the selected transaction type will be shown as Enabled
• After completion of the entire process, you will receive a message: ‘Congratulations!!! You just enabled your Online / Contactless / International Transactions’

Mobile Banking

The following are the steps to enable card controls for your HDFC Biz Grow credit card via Mobile Banking: 

• Open the HDFC Bank MobileBanking App and log in using your credentials 
• Go to the ‘Cards’ section from the menu 
• Select the HDFC Bank Credit Card for which you want to enable card controls 
• Click ‘Manage Limits’, then enable or disable transaction types such as Online Transactions, Contactless Payments, and International Usage, or set transaction limits according to your preference 
• Click ‘Update’ to confirm your changes and enter your MPIN. The updated card control settings will be applied instantly 

How to Pay Income Tax and GST using HDFC Biz Grow Credit Card?

The following are the steps to pay income tax using HDFC Biz Grow credit card: 

• Login to Income Tax Portal 
• Click on ‘E-file and E-Pay Tax’ 
• Select ‘Income Tax’ and Proceed 
• Choose assessment year 
• Select payment type 
• Enter tax details and proceed to payment 
• Choose Payment Gateway 
• Select any Bank from list 
• Select credit cards 
• Enter your Biz Grow credit card details 

The following are the steps to pay Goods and Services Tax (GST) using HDFC Biz Grow credit card: 

• Login to official website of Goods and Services Tax 
• Create GST challan by clicking on ‘Services’ and then on ‘Payments’ and ‘Create Challan’ 
• Select E-payment option 
• Choose the Credit Card option in the E-payment section 
• Select the preferred bank 
• Tick the agreement box for terms and conditions 
• Click on the ‘Make Payment’ button 
• Provide HDFC Bank Business Credit Card details and complete transaction

How Can a Customer Redeem Cashpoints Earned on Biz Credit Card? 

The following are ways through which customers can redeem cash points earned on Biz credit cards: 

Statement Balance:

The following are the steps to redeem cash points against statement balance: 

• Login to Net Banking portal 
• Select ‘Cards’ option and then ‘Enquire’  
• Select ‘Redeem Cashpoints’ 
• Select your card and click on ‘Continue’ 
• Redeem Cashpoints by selecting ‘Cash Redemption’ option

Smartbuy Rewards portal:

The following are the steps to redeem cash points against Smartbuy Rewards portal: 

• Visit SmartBuy website 
• Click on Flights or Stays 
• Enter the required journey details 
• Choose flights or hotels of your choice 
• Click on ‘Book’ and enter the required details 
• Select payment mode 
• Adjust your rewards points to redeem 
• Enter the card details and verify with OTP received on registered mobile number 

Insta vouchers:

The following are the steps to redeem cash points through Insta vouchers: 

• Login to Net Banking portal 
• Click on ‘Cards’ and then on ‘Enquire’  
• Click on ‘Redeem Cashpoints’  
• Select your card and click on ‘Continue’ 
• Redeem Cashpoints by selecting any voucher of your choice 
• Click ‘Redeem’ 

Note:

• Gift vouchers that can be availed by the cardholder are from Amazon, Raymonds, Croma, Reliance digital and other brands. 
• Cardmembers can redeem up to 70% of product or voucher value through Cashpoints on selected vouchers or products

My Rewards Product Catalogue: Here are the two modes through which cash points can be redeemed against product catalogue: 

Via Net Banking:

• Login to Net Banking Cards 
• Click on Enquire 
• Click on Redeem Cashpoints 
• Next, select your card and Continue 
• Redeem Cashpoints by selecting products of your choice on Product Catalogue 
• Click add to card 
• Click on ‘Buy Now’ 

Via SmartBuy:

• Visit SmartBuy website 
• Login using your credentials
• Click on ‘Privileges’ 
• Select your card and Rewards 
• Select the voucher of your choice 
• Choose the required Quantity and Select Checkout 
• Select Redeem points 
• Enter the voucher code received via email or SMS 
• Select ‘confirm’ 

Selected Merchants:

Cash points can be redeemed against selected merchants, such as Greythr, Microsoft office, Tally, Cleartax, Wework, Amazon for Business, Meta Ads by MeDigits, Google ads by MeDigits, etc.

Summary

The HDFC Biz Grow Credit Card is a business credit card from HDFC Bank that earns CashPoints on business spends, with accelerated CashPoints on categories such as GST and income tax payments. It also offers business insurance cover, a fuel surcharge waiver and an interest-free credit period. Check the eligibility criteria and fee details above before you apply for the card.

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