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Biz GrowHDFC Bank
Official listing
| Segment | Business |
|---|---|
| In HDFC MITC fee table | Yes |
| Status | Live |
Sources compared — HDFC's MITC (PDF) vs the card's microsite
Every fact is shown from both of HDFC's own sources so you can verify it yourself — the MITC PDF ↗ (the binding fee document) and the product microsite ↗. Nothing is omitted or paraphrased.
| Fact | 📄 MITC PDF | 🔗 Microsite | |
|---|---|---|---|
| Joining / annual fee | ₹ 500MITC v4.3, fee table L351-352 | Joining/Renewal Membership Fee: ₹ 500/- plus Applicable Taxes | ✓ |
| Fee waiver (min spend) | ₹1 Lakh / AnnumMITC v4.3, fee table L351-352 | Spend ₹ 1 lakh in an anniversary year (12 billing cycles) and get a Renewal Fee waived for next renewal year. | ✓ |
| Fuel surcharge waiver | 1% fuel surcharge waiver on minimum transaction of ₹400 & maximum transaction of ₹5000. Maximum waiver of ₹250 per statement cycleMITC v4.3, fee table L351-352 | 1% fuel surcharge waiver at all fuel stations across India (on minimum transaction of ₹400 and maximum transaction of ₹5000. Max Cashback of ₹250 per statement cycle) | ✓ |
| Forex markup | 3.5%MITC v4.3, fee table L351-352 | NOT STATED | • |
| Reward rate | Not in MITC (product term) | Earn 2 Cash Points on every ₹ 200 spent on your business needs; 10X Cash Points on bill payments, IT & GST payments, hotel and flight bookings, Business Productivity tools etc.* (10X Cash Points applicable on minimum spends Rs. 10,000 in statement cycle. Maximum 1,500 Cash Points per statement cycle.) | • |
| Welcome benefit | Not in MITC | Get a Gift voucher worth ₹250 on making one transaction on your Biz Grow Credit card within the first 37 days of card issuance. The voucher is redeemable on top brands like Amazon, Swiggy & more. | • |
| Lounge access | Not in MITC | NOT STATED | |
| Eligibility | Not in MITC | A Self Employed Indian Citizen aged between 21 yrs. to 65 Yrs. Annual ITR above Rs 6 Lakhs (Customers can apply credit card using ITR, GST returns, Bank Statements and Merchant payment report) | • |
✓ both agree ⚠ differ — verify • MITC only • microsite only
Microsite values are captured VERBATIM from each card's live HDFC page (fetched 2026-07-04). Quality of capture: rich 55, partial 15, thin 4. Open the linked page to verify. See the full schedule of charges → (finance charges, cash-advance, late-fee slabs…), all cited to the MITC.
Verbatim quotes captured from the live microsite
- Joining/Renewal Membership Fee: ₹ 500/- plus Applicable Taxes
- Spend ₹ 1 lakh in an anniversary year (12 billing cycles) and get a Renewal Fee waived for next renewal year.
- Get a Gift voucher worth ₹250 on making one transaction on your Biz Grow Credit card within the first 37 days of card issuance. The voucher is redeemable on top brands like Amazon, Swiggy & more.
- 10X Cash Points on bill payments, IT & GST payments, hotel and flight bookings, Business Productivity tools etc.*
- Earn 2000 CashPoints every quarter on your quarterly spends of ₹1,00,000. (On all retail spends excluding rent and petrol).
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