HDFC BankVisaBIZ First Credit Card
3.9NeoFinQ editorial rating
Entry-level business card
- Business-focused
- Low fee
- Joining fee
- ₹500
- Annual fee
- ₹500
- Reward type
- cashback
- Best for
- Cashback
- Est. rewards
- ₹19,500/yr
Our verdict
Entry business card for self-employed professionals.
Perfect for
- Self-employed individuals
Not ideal for
- Salaried users
Pros & cons
- Business-focused
- Low fee
- Limited rewards
Rewards
3% CashPoints on EMI spends; 2% CashPoints on Utility, Electronics, Groceries, & Payzapp; 1% CashPoints on others. Capped at 2,500 CashPoints per month.
| Category | Earn rate |
|---|---|
| Utilities | 5% |
| Cashback | 5% |
Welcome offer
500 CashPoints on payment of joining fee
Benefits
More benefits
- Welcome Bonus: 500 CashPoints on payment of joining fee
- Milestone: ₹1,000 Gift Voucher on annual spends of ₹50,000.
Fees & charges
| Joining fee | ₹500 |
| Annual fee | ₹500 |
| Renewal fee | ₹500 |
| Fee waiver | ₹50,000 in a card anniversary year |
| Waiver threshold | Spend ₹50,000/yr |
Eligibility
Min. income (annual)
₹6L
Employment
Self Employed
Similar cards
HDFC BankBiz Grow Credit Card
Lounge4.2
Annual Fee
₹1,000
Est. Rewards
₹21,000/yr
HDFC BankBusiness Moneyback Credit Card
Cashback3.7
Annual Fee
₹500
Est. Rewards
₹18,500/yr
HDFC BankBharat Credit Card
Cashback3.6
Annual Fee
₹500
Est. Rewards
₹18,000/yr
HDFC BankRupay Credit Card
UPI3.6
Annual Fee
₹250
Est. Rewards
₹18,000/yr
Not sure this is the one?
Let NeoFinQ check the fit — answer a few questions about your spending and we'll rank every card for you. 60 seconds, no credit-score impact.
Find My Best CardBIZ First Credit Card
Annual fee ₹500