Joining Fees
₹2,999
₹500
Editor's Rating
3.3
3.6
Key Features
* Gain 10 Reward Points per Rs. 100 retail spends done on Utility bill payments
* Earn 4 Reward Points per Rs. 100 retail spends done Grocery and Departmental stores
* Avail 2 Reward Points per Rs.100 retail spends done across all other merchant categories
* Monthly Jackpot: Avail Zomato Pro annual membership on Rs. 50,000 retail spends made in any calendar month. This is applicable once in a card anniversary year
* Quarterly Milestone Benefits: Get 500 Bonus Reward Points on Rs. 50,000 retail spends made per calendar quarter, and get additional 1,000 Bonus Reward Points on reaching Rs. 1 lakh retail spends per calendar quarter. Hence, earn up to 1,500 Bonus Reward Points in every calendar quarter with Rs. 1 lakh retail spends
* Yearly Milestone Benefits: Avail Rs. 1,000 worth vouchers on minimum Rs. 2.50 lakh retail spends made in a card anniversary year. Choose vouchers from a bouquet of top brands
* Birthday Benefit: Get 1,000 Bonus Reward Points on completing one retail transaction on birthday
* Get complimentary domestic and international lounge access at 1,000+ airport lounges
* Avail 1 complimentary lounge access per calendar quarter, using the Priority Pass at all participating lounges
* Get 1 complimentary domestic lounge access per calendar quarter using the VISA Card
* Railway Lounges: Get 2 complimentary lounge access per calendar quarter, using VISA Card at railway stations in selected cities
A. 3% CashPoints on EMI Spends (Earn Maximum 1,000 CashPoints/Calendar month)
B. 2% CashPoints on Utility bills, Electronics, SmartPay & Payzapp transactions (Earn Maximum 500 CashPoints/Calendar month)
C. 1% CashPoints on all other spends including UPI spends (Earn Maximum 500 CashPoints/Calendar month)
A. Pay Income Tax/ Advance Tax using Business Credit Card
B. SmartBuy BizDeals: Avail up to 40% savings on Business travel and software purchase on smartbuy.hdfcbank.com/business
C. Business Travel Benefits via MMT MyBiz :
- 4% off on Flights and Hotels booking.
- Discounted Fares, Free Meal & Seat Selection, Low Fees for Cancellation
D. Business Productivity Tools via – Nuclei :
- Instant discount on Business Software such as Google Workspace, Tally Prime, AWS, Microsoft Azure & more
- Get GST Invoice for availing Input Tax Credit
A. Get 2000 CashPoints every quarter on your quarterly spends of Rs. 75,000 & above
A. Fire & Burglary insurance for Shop up to Rs. 5 lakhs
B. Cash in Safe/Transit up to Rs. 25,000
C. Electronic Equipment insurance excluding terrorism up to Rs. 50,000
D. Hospital Cash: Accident only amount payable per day up to Rs. 1000
E. Hospital Cash: Illness only amount payable per day up to Rs. 1000
F. Cardholders have the option to choose higher Business Insurance cover as per their Business need
Editor's Review
Pros
* 1% Fuel Surcharge Waiver for fuel transactions done between Rs. 400 and Rs. 5,000 at all fuel stations in India. Maximum Rs. 250 per statement cycle
* Get Air Accident Cover of up to Rs. 50 Lakhs, Credit Shield of up to Rs. 2 Lakhs, and Purchase Protection of up to Rs. 25,000
* Convert transactions worth Rs. 2,000 or more into easy EMI options on selected tenure chosen by you
Cons
* No golf privileges
* No Airmiles
Pros
Cons