A head-to-head comparison of HDFC Biz Grow Credit Card and ICICI Business Advantage across fees, rewards, and spending categories to help you decide which card suits your wallet better.
Self-Employed & SMEs
Everyday Operations
| Feature | HDFC Biz | ICICI Business |
|---|---|---|
| Annual Fee | ₹500 (Waived on ₹1L spend) | ₹1,500 joining (waived on ₹50K in 60 days); ₹1,000 renewal from year 2 (waived on ₹5L annual spend) |
| Reward Rate | Up to 10X Reward Points | Up to 1% Cashback (tiered) |
| Best For | Self-Employed & SMEs | Everyday Operations |
| First-Card Friendly | ||
| Lounge Access | ||
| Zero Forex Markup |
Which categories does each card reward?
| Category | HDFC Biz | ICICI Business |
|---|---|---|
| Utility bills | ||
| Everyday spending |