Cards · HDFC Bank

HDFC Bank BizGrow Credit Card: rewards, caps and exclusions

The HDFC Bank BizGrow Credit Card pays about 2% on Bill payment via PayZapp & SmartPay, on the first ₹15,000 of spend a cycle, and 0.2% on everything else. Below is every rate, cap and exclusion in HDFC Bank's published terms, as we last checked them on 24 October 2026.

Visa, Mastercard, RuPay₹500 a yearPaid in points

What it earns

≈2%Bill payment via PayZapp & SmartPayon the first ₹15,000 of spend a cycle

≈0.2%Groceries (in store / online)on the first ₹1,00,000 of spend a month

≈0.2%Bills (in store / online)on the first ₹2,00,000 of spend a month

≈0.2%Everything else (in store / online)no cap stated

≈0.2%Everything else (UPI)on the first ₹50,000 of spend a month

≈ marks a rate paid in points, valued at ₹0.2 a point. That is Zenidhi's conservative valuation, the same one the audit uses: the cheap end of what the points can be redeemed for, never the best transfer. Redeemed well, they can be worth more.

What earns nothing

Spend in these categories earns no rewards on this card, however it is paid for:

Fuel
Wallet loads
Rent (since 1 January 2023)
Education fees
EMI conversions
Gaming (since 1 July 2025)
Cash withdrawals and fees

What costs extra

Worse than earning nothing: HDFC Bank charges a fee for these.

1% on Rent Pay Transactions (fee capped ₹4,999 per transaction), plus GST
1% on Fuel Charges (single fuel transaction above ₹30,000 for business cards; fee capped ₹4,999 per transaction), plus GST
1% on Utility Charges (fee capped ₹4,999 per month), plus GST
1% on Education Charges via third-party apps (fee capped ₹4,999 per transaction), plus GST
1% on Online Skill based Gaming (fee capped ₹4,999 per month), plus GST
1% on Wallet Loading excl PayZapp (fee capped ₹4,999 per month), plus GST

Milestones

In HDFC Bank's own words:

quarterly: ₹1L retail spend (excluding rent and petrol) / calendar quarter → 2,000 CashPoints → 2,000 CashPoints

Fees

Annual fee: ₹500, plus 18% GST
Joining fee: ₹500
Annual fee waived on ₹1,00,000 of spend in a card year

Welcome benefit: ₹250 gift voucher (Amazon, Swiggy & more) on reaching the bank's spend condition.

Where this comes from

Transcribed from HDFC Bank's own documents and checked against them on 24 October 2026:

Banks change these terms, sometimes with a month's notice. If a figure here disagrees with HDFC Bank's current document, the bank's document is right. Tell us at support@zenidhi.com and we'll fix the rule, here and in the app.

Hold this card?

Zenidhi reads your HDFC Bank statements and transaction alerts in Gmail, replays every swipe against the rules on this page, and shows you what you missed, and which card in your wallet to use next time. Get my audit · How the audit works