HDFC Bank BizFirst Credit Card

Premium

Low Joining/Annual Fee Of ₹500+GST, Waived On ₹50,000 Annual Spend
3% CashPoints On EMI Spends And 2% On Utility Bill Payments Via Smartpay/PayZapp
7.5% Dining Discount Via Swiggy Dineout

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Is the HDFC Bank BizFirst Credit Card worth it?

The HDFC Bank BizFirst Credit Card is a premium card from HDFC Bank. It suits high spenders who will use the lounge, concierge and travel perks that justify the fee. Think twice if you won't reach the spend needed to get the fee waived.

Headline benefit: Low Joining/Annual Fee Of ₹500+GST, Waived On ₹50,000 Annual Spend.

Before you apply ✅

Add up the perks you'll really use against the annual fee before you apply.
Most unsecured cards want a CIBIL score around 750+ — check yours first.
Confirm the current fee and waiver terms on HDFC Bank's own page before you apply.
Apply for one card at a time — each application is a hard enquiry on your credit report.