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Business

HDFC Biz Grow Credit Card

Designed for self-employed individuals and SME owners. Separates personal and business expenses while earning accelerated points on tax, bill, and vendor payments.

Best for Self-Employed & SMEs

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

Who should pick this card?

Best suited for someone focused on self-employed & smes.

This sits in the Business category — Corporate spend management, higher credit limits, and business-specific rewards and controls.

Fees, reward rates, and caps last verified in May 2026. Issuers update terms without notice — always confirm on the bank's official page before applying.

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