HDFC BizPower

Business rewards built for taxes, bills and operating spends.

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5X rewards

25 RP per Rs 200 on eligible business spends

Unlock

Rs 25K qualifying non-tax spend per statement cycle

Tax payments

Only the first 2 income-tax and first 2 GST transactions per cycle earn points

Milestone

Rs 5K voucher at Rs 2.5L quarterly spend

Lounge

2 domestic/qtr after ₹75K previous-quarter spend; 6 intl/year by network route

5X business

Accor 2:1

Rs 5K milestone

5X business rewards

Earn 25 RP per Rs 200 on eligible tax, bills, ads, software and business-travel spends after meeting the cycle unlock.

Rs 25K cycle unlock

Rs 25,000 qualifying non-tax spend in the same statement cycle; Income Tax and GST do not count toward the unlock Only the first two Income Tax and first two GST payments per statement cycle can earn rewards; subsequent payments earn no points

Accor at 2:1

Transfer 2 HDFC Reward Points into 1 Accor ALL point for planned hotel stays.

Quarterly voucher

Get a Rs 5,000 MakeMyTrip or Reliance Digital voucher at Rs 2.5L eligible quarterly spend.

Airport access

2 visits/quarter after ₹75,000 eligible spending in the previous quarter; there are no additional two unconditional visits 6 visits/year. Visa uses Priority Pass requested after four retail transactions; RuPay uses its card-access route. Network programme terms apply

Business ecosystem

Eligible categories include SmartPay bills, MMT MyBiz, Nuclei software, Google Ads and Meta Ads.

HDFC BizPower: fees & key facts

HDFC BizPower credit card fees and key facts
Joining fee	Rs 2,500 + GST
Annual fee	Rs 2,500 + GST; waived on Rs 4 lakh eligible anniversary-year spend
Core rewards	5 Reward Points per Rs 200 on eligible spending
5X business rewards	25 Reward Points per Rs 200 on eligible business categories
5X unlock	Rs 25,000 qualifying non-tax spend in the same statement cycle; Income Tax and GST do not count toward the unlock
Tax limit	Only the first two Income Tax and first two GST payments per statement cycle can earn rewards; subsequent payments earn no points
Accelerated cap	7,500 additional 4X bonus RP per statement cycle; base points are separate
Eligible 5X categories	SmartPay and permitted PayZapp bills, Income Tax, GST, MMT MyBiz travel, Nuclei business software, Google Ads, Meta Ads and Reliance Digital
Quarterly milestone	Rs 5,000 MakeMyTrip or Reliance Digital voucher at Rs 2.5 lakh eligible quarterly spend; tax payments do not count
Domestic lounge	2 visits/quarter after ₹75,000 eligible spending in the previous quarter; there are no additional two unconditional visits
International lounge	6 visits/year. Visa uses Priority Pass requested after four retail transactions; RuPay uses its card-access route. Network programme terms apply
Travel extra	1 MakeMyTrip zero-cancellation voucher per quarter after meeting the Rs 75,000 previous-quarter spend test
Redemption value	Rs 0.15 per RP for statement credit, up to Rs 0.50 on SmartBuy travel, up to Rs 0.65 through the business catalogue, or potentially more through planned transfers
Point validity	2 years from accumulation
Eligibility indicator	Self-employed Indian citizen, age 21 to 65, with annual ITR above Rs 12 lakh; approval remains subject to HDFC underwriting
Welcome benefit	Amazon Prime OR ₹1,500 Amazon voucher after one eligible Tax/Travel/Ads transaction within 30 days, subject to first-time issuance/offer eligibility

Public issuer terms checked 3 October 2026.

SmartBuy’s transfer screen requires cardholder verification. Accor 2:1 is confirmed by Accor’s official HDFC terms; other current card-specific ratios require the live account screen.

HDFC BizPower product HDFC BizPower rewards terms Accor official HDFC transfer terms

Who should get it

HDFC BizPower is one of the strongest business-rewards cards below BizBlack for owners who can route genuine operating expenses through the specified HDFC channels.

Its 5X programme can reward eligible tax, bill, advertising, software and business-travel spending. Compare the redemption options available for your card before valuing those points.

The card needs active management: Rs 25,000 of qualifying non-tax spend must settle in the same statement cycle to unlock 5X, accelerated rewards cap at 7,500 RP per cycle, and tax, milestone and lounge eligibility follow different rules.

Reward exclusions

Transactions that do not earn Reward points

Eligibility follows the merchant category code and transaction data received by the issuer, so the merchant name alone may not determine whether a transaction earns rewards.

Fuel, wallet loads and rent
Education payments
EMI transactions and online skill-based gaming
Income-tax or GST payments beyond the first two of each type per statement cycle

Eligible income-tax and GST payments can earn rewards, but do not count toward the ₹25,000 non-tax spend needed for 5X. Accelerated points are capped at 7,500 per statement cycle. PayZapp has additional 5X exclusions.

Checked 3 October 2026HDFC Bank September 2026 terms BizPower rewards programme

HDFC BizPower FAQs

How does HDFC BizPower earn 5X rewards?

Eligible business categories earn 25 Reward Points per Rs 200 after at least Rs 25,000 of qualifying non-tax spending settles in the same statement cycle. Only the first two Income Tax and first two GST payments in a cycle can earn rewards; they do not count toward the Rs 25,000 threshold. Later tax transactions earn no points.

Which spends qualify for BizPower accelerated rewards?

Published categories include eligible bill payments through SmartPay and permitted PayZapp routes, Income Tax, GST, MMT MyBiz travel, Nuclei business software, Google Ads, Meta Ads and Reliance Digital. Merchant coding, exclusions and programme caps apply.

What is the HDFC BizPower annual fee waiver?

The joining and annual fee is Rs 2,500 plus GST. The next renewal fee is waived after Rs 4 lakh of eligible spend across the anniversary year.

What milestone benefit does BizPower provide?

Spend Rs 2.5 lakh on eligible transactions in a calendar quarter to receive a Rs 5,000 MakeMyTrip or Reliance Digital voucher. Tax payments and other excluded categories do not count toward this milestone.

What lounge access comes with HDFC BizPower?

2 visits/quarter after ₹75,000 eligible spending in the previous quarter; there are no additional two unconditional visits. 6 visits/year. Visa uses Priority Pass requested after four retail transactions; RuPay uses its card-access route. Network programme terms apply

How should I value BizPower rewards?

Compare the statement-credit, travel and business-catalogue options currently available for your card. Confirm any transfer partner and ratio in HDFC's redemption programme before planning spending around a transfer.

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