HDFC Diners Club Black vs HDFC Bank Biz Grow Credit Card

• Complimentary Annual memberships of Club Marriott, Forbes, Amazon Prime, Swiggy One (3 months) and MMT BLACK   

• Complimentary Ola cabs | cult.fit Live | BookMyShow | TataCliQ vouchers on spends of over Rs. 80,000 every month
• Avail 5 Reward Points for every Rs 150 spent
• Up to 10X Reward Points via SmartBuy
• Dining privileges: 2X on weekend dining 
• HDFC Bank x Swiggy Dineout - Good food Trail: Enjoy FLAT 10% EXTRA OFF on dining bills at 35K+ restaurants     
• Travel benefits: Book flight tickets / hotels across 150+  airlines and choice of hotels (Domestic & International)                            
• Up to 50 days of interest free credit period on the credit card
• Air accident insurance cover worth Rs 2 crore
• Emergency overseas hospitalization: Rs. 50 Lakh
• Travel Insurance Cover of up to Rs. 55,000 on baggage delay                             
• Complimentary Golf games across the finest courses in the world ( 6 per quarter)                 
• Credit Liability Cover of up to Rs. 9 Lakh
• Foreign Currency Markup:  2% on all your foreign currency spends
• Revolving Credit is available at a nominal interest rate
• 24/7 Concierge Services
• Unlimited Airport lounge access to 1000+ Lounges in India and worldwide for primary and add-on card members
• 1% fuel surcharge waiver at all fuel stations in India on minimum transaction of Rs. 400 and Max CashBack of Rs. 1000 per statement cycle
• Milestone Benefit: The credit card holders can select any 2 benefits amongst cult.fit Live 1 month membership or BookMyShow or TataCLiQ or Ola cabs vouchers worth Rs. 500 every month on spends of Rs. 80,000
• Annual Spend based benefit: Complimentary annual memberships of Club Marriott, Times Prime, Amazon Prime, Swiggy One (3 months), MMT BLACK can also be availed upon achieving annual spend of Rs 8 Lakhs at the time of card anniversary
• Convert big spends into EMI after purchase
• Contactless Payment
• Diners Exclusive Offers: Fast Track Airport Experience, Dining Delight (exclusive dining offers, from gourmet cuisine to local delicacies), Luxury Spas access, and Small Medium Enterprise (SME), which is tailor-made offers such as workspaces, business insurance and wellness discounts to meet business needs

• Card Activation Benefit: Avail a Gift voucher worth Rs. 250 on making one transaction on the Biz Grow Credit Card within first 37 days of card issuance. Voucher is redeemable on top brands like Amazon, Swiggy & more
• Milestone Benefits: Obtain 2000 CashPoints every quarter on quarterly spends of Rs. 1,00,000.  (On all retail spends excluding rent and petrol). Redeem CashPoints against statement. (Earn 1 CashPoint = Upto Rs.0.25)
• Spend Rs. 1 Lakh in an anniversary year (12 billing cycles) to get Renewal Fee waived for next renewal year
• Up to 55 days Interest Free Credit Period
• Earn 2 Cash Points on every Rs.150 spent for your business needs
• Earn 10X Cash Points on selected Business spends such as:

1. Bill Payment via Payzapp & SmartPay

2. Income Tax/ Advance Tax payment via eportal.incometax.gov.in

3. GST payment via payment.gst.gov.in

4. Hotel & flight booking on MMT MyBiz powered by SmartBuy BizDeals

5. Business Productivity tools like Tally, Office 365, AWS, Google, Credflow, Azure & more via SmartBuy BizDeals - Nuclei 

6. Dmart

7. Cleartax

Note: 10X Cash Points applicable on minimum spends Rs. 10,000 in statement cycle

Maximum 1,500 Cash Points per statement cycle

• Make GST payment using Business Credit Card:  Via GST portal: payment.gst.gov.in 
• Pay Income Tax/ Advance Tax using Business Credit Card (eportal.incometax.gov.in)
• SmartBuy BizDeals:  

• Avail up to 40% savings on your Business travel and software purchase on smartbuy.hdfcbank.com/business  

1. Business Travel Benefits via MMT MyBiz :  

- 4% off on Flights and Hotels booking 

- Discounted Fares, Free Meal & Seat Selection, Low Fees for Cancellation   

2. 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  

• 1% fuel surcharge waiver at all fuel stations across India (on minimum transaction of Rs. 400 and maximum transaction of Rs. 5000)
• Dining Benefits: Enjoy FLAT 10% EXTRA OFF on dining bills at 35K+ restaurants
• SmartPay, an automatic payment facility available on the Credit Card to pay your utility bills, gives assured cashback up to Rs. 1800 in the first year and exciting e-vouchers worth up to Rs. 800 for adding 2 or more bills on Smart Pay
• Convert big spends into EMI after purchase
• Easy EMI: Choose EMI option for large online or in-store purchases using Biz Grow Credit Card and avail easy repayments using Easy EMI
• Zero Lost card liability
• Credit liability cover: Rs. 3 Lakh
• Business Insurance Benefit: Secure a Business with specially curated Business Insurance package:

- Avail Business Insurance package starting at an annual premium of Rs. 3,785 which includes:

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 

Do note that the cardholders have the option to pick higher Business Insurance cover as per their Business need

• A minimum of 2500 CP is required to redeem CashPoints against statement balance
• Flights and Hotels redemption, Credit Card members can redeem up to a maximum of 50% of the booking value through CashPoints. Rest of the transaction amount will have to be paid via the Credit Card limit
• With effect from 1st February 2023, cardmembers can redeem upto 70% of product/Voucher value through CashPoints on select vouchers/products and pay the remaining amount via Credit card
• The maximum 15,000 CashPoints can be earned in a statement cycle
• Unredeemed Cash Points will expire/lapse after 2 year of accumulation

Pros

* Welcome Benefits

* Complimentary annual memberships of Club Marriott, Times Prime, Amazon Prime, Swiggy One (3 months), MMT BLACK can also be availed upon achieving annual spend of Rs 8 Lakhs at the time of card anniversary
* Diners Exclusive Offers: Fast Track Airport Experience, Dining Delight (exclusive dining offers, from gourmet cuisine to local delicacies), Luxury Spas access, and Small Medium Enterprise (SME), which is tailor-made offers such as workspaces, business insurance and wellness discounts to meet business needs

Cons
Joining and renewal fee is on the higher side

Pros

• Welcome Benfits
• Milestone Benefits
• Earn 10X Cash Points on selected Business spends

Cons

• No golf benefits
• No airport lounge access
• No reward points on fuel transactions