The HDFC Biz Grow earns in CashPoints, which this calculator values at ₹0.25 per point. Base earn rate is 0.67% value back, the annual fee is ₹500, and forex markup is 3.5%.
Its strongest category is Utilities at 2.67% value back.
| Category | Value back | Detail |
|---|---|---|
| Utilities | 2.67% | 4 CP/₹150 on business essentials |
| Govt & Tax | 2.67% | 4 CP/₹150 on business essentials |
The HDFC Biz Grow earns no rewards on Rent, Fuel. Put that spend on another card.
Entry business card, CashPoint ≈ ₹0.25. Fine for a small firm's utility and tax hygiene; not a rewards play. Verify current category list.
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