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HomeCredit cardsHDFC BankHDFC Biz Power Credit Card
Mid-rangeVisa

HDFC Biz Power Credit Card

4.1editor Editor score 79/100Best for small businesses & gst payments

5X points on business spends like GST, tax, vendor and utility payments, 16 lounge visits and 55-day interest-free credit.

  • 5X Reward Points on GST, income tax, vendor, utility and ad spends
  • Up to 55 days interest-free credit
  • 8 domestic + 8 international lounge visits
  • Expense tracking via HDFC Biz dashboard
Updated 13 Nov 2026
HDFC BankMID
•••• •••• •••• 4242
HDFC Biz Power Credit Card
VISA

Key facts

Joining fee
₹2,500 + GST
Annual fee
₹2,500 + GST
Waived on ₹5 lakh annual spends
Reward rate
5X on business categories · 3 RP per ₹150
Welcome benefit
2,500 Reward Points on fee payment

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HDFC BankSUPER PREMIUM
•••• •••• •••• 4242
HDFC Biz Power Credit Card
Annual fee ₹2,500 + GST
Lounge access
8 / yr domestic · 8 / yr intl.
Forex markup
2%
Fuel surcharge
1% waiver
Interest rate
3.5% p.m. (42% p.a.)

What we like

  • Rewards on tax and GST payments
  • Long interest-free period
  • International lounge access

Watch out for

  • Needs a business or ITR
  • Complex point caps
  • Fee waiver needs ₹5L spends

Our take

Why we rate it

One of the few cards that reward GST and tax payments. Built for proprietors and MSMEs.

Features & benefits in detail

Rewards
Business categories
5X (15 RP per ₹150)
Other spends
3 RP per ₹150
Fees
Interest-free period
Up to 55 days
Travel
Domestic lounge
8 per year
International lounge
8 per year

Milestone benefits

₹2,500 vouchers at ₹5L; ₹5,000 at ₹10L

Eligibility

Minimum income
₹1,00,000 / month
Age
21 – 60 years
Credit score
740+ preferred
SalariedSelf-employed

Approval, pricing and credit limits are decided solely by the issuing bank or NBFC. Fees, rewards and offers shown are indicative and may change without notice; please read the lender's Most Important Terms and Conditions (MITC) or Key Fact Statement before applying.

HDFC Bank
HDFC Biz Power Credit Card
Joining fee
₹2,500 + GST
Annual fee
₹2,500 + GST
Rewards
Up to 2.5%
Lounge
8 / yr
Forex
2%

Secure hand-off to HDFC Bank. No OTP or PIN ever asked.

Not sure?

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CardSparrow is an independent comparison platform, not a bank, NBFC or RBI-regulated lender. We may earn a referral fee from a lender or affiliate network when you apply through our links. This never changes what you pay and never affects our ratings or the order in which products appear.

HDFC Bank Infinia Credit Card (Metal)
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HDFC Bank Infinia Credit Card (Metal)

4.8editor

Best for ultra-premium invite-only

5 points per ₹150 (3.33% back) with 1:1 flight/hotel redemption, unlimited lounge access worldwide and ITC hotel privileges.

Joining
₹12,500 + GST
Annual
₹12,500 + GST
Rewards
Up to 3.3%
Lounge Unlimited 2% forex
Details
Axis BankSUPER PREMIUM
•••• •••• •••• 4242
Axis Bank Magnus Credit Card
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Axis Bank Magnus Credit Card

4.4editor

Best for luxury travel transfers

12 EDGE points per ₹200, 35,000 bonus points at ₹1.5L monthly spends, unlimited lounges and 5:2 transfers to airline partners.

Joining
₹12,500 + GST
Annual
₹12,500 + GST
Rewards
Up to 2.4%
Lounge Unlimited 2% forex
Details
Editor's pick
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Best for premium travel & lifestyle

4 points per ₹150, 5X on Nykaa, Myntra, Marks & Spencer and Reliance Digital, 12 domestic + 6 international lounge visits.

Joining
₹2,500 + GST
Annual
₹2,500 + GST
Rewards
Up to 2.7%
Lounge 12 / yr 2% forex Fuel waiver
Details
Editor's pick
HDFC BankMID
•••• •••• •••• 4242
HDFC Millennia Credit Card
VISA
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4.4editor

Best for everyday online spends

5% CashPoints on Amazon, Flipkart, Swiggy, Zomato, Uber, Myntra and more, with quarterly lounge visits.

Joining
₹1,000 + GST
Annual
₹1,000 + GST
Rewards
Up to 4%
Lounge 4 / yr Fuel waiver
Details