HDFC Bank offers a comprehensive suite of HDFC Bank Business Credit Cards tailored to meet the diverse needs of entrepreneurs, professionals, and enterprises. These cards provide benefits such as interest-free credit periods, reward points, cashback on business-related expenses, and access to exclusive privileges, facilitating efficient financial management for businesses.
Reward Programs: Earn accelerated Reward Points or Cash Points on select business categories.
Cashback Offers: Avail cashback on essential business spends like utilities, taxes, and vendor payments.
Travel Benefits: Complimentary airport lounge access and travel vouchers.
Dining Offers: Exclusive discounts and offers at partner restaurants.
Loan Facilities: Access to term loans, Insta Loans, and SmartEMI options for business needs.
Earning:
Earn Reward Points or Cash Points on every spend, with higher rates on select business categories.
Redemption Options:
Redeem points for travel bookings, shopping vouchers, or statement credit.
Redemption Fee: A nominal fee may be applicable
Identity Proof: PAN Card.
Address Proof: Aadhaar Card, Passport, Voter ID, Driving License, or Utility Bills.
Income Proof: Latest ITR, GST returns, bank statements, or merchant payment reports.
Business Proof: Business registration certificate, partnership deed, or other relevant documents.
Photograph: Recent passport-sized color photograph.
Joining Fee: ₹500 – ₹2,500 (plus applicable taxes), depending on the card variant.
Annual Fee: ₹500 – ₹2,500 (waived on meeting specified annual spend thresholds).
Finance Charges: Up to 3.6% per month (43.2% per annum).
Late Payment Fee: Varies based on the outstanding amount.
Overlimit Fee: 2.5% of the overlimit amount, subject to a minimum of ₹500.
Approval chances shown on LoanSafar.com are not guaranteed approvals. These estimates are calculated by comparing your credit profile (based on information you provide) to data from other users who were approved by the same lender, or by checking if you meet certain criteria set by the lender.
While these insights may help you make smarter choices, final approval always depends on the lender’s internal policies. You may still be denied a loan or credit card if You don’t meet their income or employment verification standards or You already have the maximum number of accounts with that lender Or you don’t pass their “ability to pay” assessment
We’re here to help you compare offers more confidently — but remember, the final decision always rests with the lender.