HDFC Bank · Visa Business
HDFC BizPower
A business rewards card with 5X points on eligible taxes and operating expenses, milestone vouchers, airport access and Accor transfers.
- Business
- Taxes
- Transfers
- Earn 25 RP per Rs 200 on eligible 5X business categories after Rs 25,000 qualifying non-tax spend in the statement cycle.
- Transfer points to Accor at 2:1, earn a Rs 5,000 quarterly voucher at Rs 2.5L eligible spend, and access domestic and international lounges.
- Fee
- Rs 2,500 + GST Waiver at Rs 4L
- 5X cap
- 7,500 RP/cycle
- Best transfer
- Accor 2:1
At a glance
HDFC BizPower highlights
- 5X rewards
- 25 RP per Rs 200 on eligible business spends
- Unlock
- Rs 25K qualifying non-tax spend per statement cycle
- Accor
- 2 HDFC points = 1 ALL point
- Milestone
- Rs 5K voucher at Rs 2.5L quarterly spend
- Lounge
- 2 domestic/quarter + 6 international/year
HDFC BizPower: fees & 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 |
| Accelerated cap | 7,500 Reward Points per statement cycle |
| 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 per quarter, with 2 additional visits after Rs 75,000 spend in the previous calendar quarter, subject to HDFC terms |
| International lounge | 6 visits per year through Priority Pass |
| Travel extra | 1 MakeMyTrip zero-cancellation voucher per quarter after meeting the Rs 75,000 previous-quarter spend test |
| Best transfer | Accor ALL at 2 HDFC Reward Points to 1 ALL point; airline and hotel partners are also available |
| 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 |
Last verified 25 July 2026. Issuer terms and offers can change; confirm them before applying.
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 engine can reward eligible tax, bill, advertising, software and business-travel spends, while Accor transfers at 2:1 give the points a compelling hotel use.
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.
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. Income Tax and GST payments can earn the accelerated rate after the unlock but do not count toward the Rs 25,000 threshold.
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?
The card includes domestic lounge access each quarter, with additional visits tied to previous-quarter spending, plus 6 international Priority Pass visits per year. Check current HDFC lounge terms before travel.
Why is the Accor transfer useful?
BizPower points transfer to Accor ALL at 2:1. When ALL points are used well for planned hotel stays, this can produce substantially more value than statement credit, but it is hotel value rather than cashback.
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