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Credit CardsComparisons

Axis MyBiz Credit Card vs HDFC Biz Grow Credit Card

A head-to-head comparison of Axis MyBiz Credit Card and HDFC Biz Grow Credit Card across fees, rewards, and spending categories to help you decide which card suits your wallet better.

BusinessCard A

Axis MyBiz Credit Card

Travel-Heavy Businesses

Annual Fee
Lifetime Free
Reward Rate
4 RP per ₹200 on travel/hotels
Apply Now Read full review →
BusinessCard B

HDFC Biz Grow Credit Card

Self-Employed & SMEs

Annual Fee
₹500
Reward Rate
Up to 10X Reward Points
Apply Now Read full review →

Feature comparison

FeatureAxis MyBizHDFC Biz
Annual FeeLifetime Free₹500 (Waived on ₹1L spend)
Reward Rate4 RP per ₹200 on travel/hotelsUp to 10X Reward Points
Best ForTravel-Heavy BusinessesSelf-Employed & SMEs
First-Card Friendly
Lounge Access
Zero Forex Markup

Spending category coverage

Which categories does each card reward?

CategoryAxis MyBizHDFC Biz
Domestic travel
Utility bills
Airport lounge access

Quick verdict

Choose Axis MyBiz Credit Card if:

  • Lower annual fee (₹Nil vs ₹500)
  • You spend heavily on domestic travel
  • You spend heavily on airport lounge access

Choose HDFC Biz Grow Credit Card if:

  • You spend heavily on utility bills

Full pros & cons

Axis MyBiz Credit Card

What's good
  • Comprehensive travel insurance for employees
  • Airport lounge access for business travellers
  • Higher limits enabled via GST-verified spend
Watch out for
  • Rewards are point-based, not direct cash
  • Reward rate (4 RP per ₹200) is modest compared to personal travel cards

HDFC Biz Grow Credit Card

What's good
  • Reward points on tax and GST payments
  • 55-day interest-free period on purchases
  • 10X points on select business spends (bill payments, tax, hotels, software)
Watch out for
  • Requires business proof (ITR ₹6L+ / GST registration) for approval
  • 10X reward points capped at 1,500 points per month
  • Points not transferable to airline miles programs