BizGrow Credit Card
Crafted to assist growing startups, consultants, and freelance agencies with overhead expenses. BizGrow grants 10X CashPoints on business utility payments, GST filing bills, and software tools, supplemented with direct integration into SmartHub Vyapar for invoicing and sales analytics.
Why We Recommend The BizGrow Credit Card
Empowers growing ventures with 10X rewards on daily business essentials, software licenses, and utility bills.
Freelancers, consultants, and growing startups paying regular software and vendor bills
Welcome Gift & Activation Benefits
* Welcome benefits are typically unlocked upon payment of the joining fee and initial card activation within 30 to 90 days.
Grofi Expert Rating
Our ratings assess real-world net reward yields after fee deductions, partner redemption flexibility, lounge conditions, and user transparency.
How Much Can You Save with the BizGrow Credit Card?
Adjust your expected monthly card spends to calculate your real annual rewards and net savings.
Includes flight & hotel bookings, partner brands (Amazon, Swiggy, Flipkart), dining, and online shopping.
* Reward Point Value: 1 CashPoint = ₹0.25 on statement credit or travel bookings.
Based on annual spending of ₹6,00,000.
Fees & Charges Breakdown for BizGrow Credit Card
Zero hidden costs. Complete fee schedule verified with HDFC Bank official guidelines.
One-time fee charged on the first statement
Billed annually starting from the 2nd year
Annual fee reversed upon crossing this spend milestone in the preceding card year
Charges applicable on foreign currency transactions and cross-border payments
Standard interest rate on revolving card balances
Fee on ATM cash withdrawals via credit card
From the first day of billing cycle till due date
Airport Lounge Privileges on the BizGrow Credit Card
Experience gourmet dining, quiet workspaces, and premium comforts before every flight.
No complimentary lounge access
Valid across 40+ domestic airport lounges including Mumbai (Adani), Delhi (Encalm), Bengaluru (080 Lounge), Hyderabad, Chennai, and Kolkata terminals.
Not available
Access over 1,300+ luxury airport lounges globally across Dubai, London Heathrow, Singapore Changi, New York JFK, Frankfurt, and Doha.
What Makes BizGrow Credit Card Stand Out?
Discover the top benefits, special offers, and protections engineered into this card.
Up to 50 days interest-free credit to manage seasonal inventory
Curated business software and legal discounts via partners
Milestone bonus CashPoints every quarter
Pros & Cons of the BizGrow Credit Card
An honest, transparent evaluation of strengths and limitations before you submit your application.
What We Love (Pros)
- High rewards on essential overheads like utility and vendor bills
- SmartHub merchant tool integrations for sales tracking
- Low annual fee with achievable waiver
Things to Consider (Cons)
- No airport lounge access
- Monthly caps on accelerated CashPoints
Who Can Apply for the BizGrow Credit Card?
Review minimum income, credit score thresholds, and essential verification documents.
Net in-hand monthly or annual earnings
Primary applicant (18+ for add-ons)
With continuous employment proof
With valid Indian address proof
710+ Score Recommended
Applicants with a credit score of 710 or higher enjoy fast-tracked approval and preferential credit limits from HDFC Bank.
Documents Required
100% digital paperless verification via Video KYC. Keep these documents ready:
Identity & Address Proof
Aadhaar Card (linked with mobile number for OTP), Passport, Driving License, or Voter ID.
PAN Card
Mandatory physical or e-PAN copy required by RBI guidelines for all credit applications.
Proof of Income
Salaried: Last 3 months' salary slips or bank statements. Self-employed: Latest ITR computation.
Everything You Need to Know About BizGrow Credit Card
Clear answers to common questions regarding annual fees, reward redemption, lounge rules, and delivery.
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Ready to Apply for the BizGrow Credit Card?
Check your pre-approved credit limit and instant approval eligibility across HDFC Bank with 100% paperless verification and zero score impact.