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HDFC Bank · Visa / Mastercard · हिन्दी

HDFC Bank Business Platinum Credit Card: full review

The HDFC Business Platinum is the best lifetime-free business credit card in India for HDFC banking customers. The zero fee, 10,000 welcome CashPoints and broad earning across business spends make it a practical companion card. Limited by the 0.83% earn rate and no lounge access for premium business travellers.

Apply now ↗Annual fee: Lifetime free
Last updated: August 2026 · Current terms verified
HDFC BANK
VISA
)))
BUSINESS PLATINUM
ASHOK KUMAR
12/28
Lifetime free (requires minimum business relationship with HDFC Bank)Annual fee
5 CashPoints per ₹150 on all business and retail spends (0.83% at ₹0.25/CP); higher earn on fuel and select categoriesReward structure
NoneLounge access

Key benefits of the HDFC Bank Business Platinum Credit Card

5 CashPoints per ₹150 on all eligible business spends (0.83% effective; 1 CP = ₹0.25)5 CashPoints per ₹150 on domestic and international air ticket bookings3 CashPoints per ₹150 on fuel transactions10,000 welcome CashPoints on first transaction within 30 days1% fuel surcharge waiver (₹400–₹5,000, max ₹250/month)Lifetime free, zero annual fee for businessesContactless payment enabledAdd-on cards for business partners or employees (up to 3)Business expense tracking and GST invoice support
Apply now ↗ Min. income: ₹2L+/month (self-employed/business) · Credit score: 700+
Pros and cons
Pros
✓ Lifetime free, zero holding cost for businesses
✓ 10,000 welcome CashPoints worth ₹2,500, strong initial value
✓ Earns on all business spends including international travel
✓ GST claim support makes accounting easier
Cons
✗ 0.83% base rate is modest vs paid business cards
✗ 3.5% forex, poor for international business transactions
✗ No lounge access
✗ Requires HDFC business banking relationship
Quick facts
Issuer HDFC Bank
Network Visa / Mastercard
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → Lifetime free (requires minimum business relationship with HDFC Bank)
Joining feeA one-time fee charged when you first get the card, separate from the recurring annual fee.Full definition → ₹0
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → None
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 3.5%
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹2L+/month (self-employed/business)
Min. credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 700+
SourceHDFC Bank's published card terms and official card page · Last updated August 2026
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Frequently asked questions
The annual fee for HDFC Bank Business Platinum Credit Card is Lifetime free (requires minimum business relationship with HDFC Bank). This card is lifetime free with no annual fee.
The main benefits of the HDFC Bank Business Platinum Credit Card are: 5 CashPoints per ₹150 on all eligible business spends (0.83% effective; 1 CP = ₹0.25); 5 CashPoints per ₹150 on domestic and international air ticket bookings; 3 CashPoints per ₹150 on fuel transactions; 10,000 welcome CashPoints on first transaction within 30 days; 1% fuel surcharge waiver (₹400–₹5,000, max ₹250/month); Lifetime free, zero annual fee for businesses; Contactless payment enabled; Add-on cards for business partners or employees (up to 3); Business expense tracking and GST invoice support.
5 CashPoints per ₹150 on all business and retail spends (0.83% at ₹0.25/CP); higher earn on fuel and select categories
HDFC Bank Business Platinum Credit Card is best for Small business owners and self-employed wanting a lifetime free business credit card from HDFC. The HDFC Business Platinum is the best lifetime-free business credit card in India for HDFC banking customers. The zero fee, 10,000 welcome CashPoints and broad earning across business spends make it a practical companion card. Limited by the 0.83% earn rate and no lounge access for premium business travellers.
The minimum income requirement for HDFC Bank Business Platinum Credit Card is ₹2L+/month (self-employed/business). A minimum credit score of 700+ is also recommended.
HDFC Bank Business Platinum Credit Card does not offer airport lounge access.
HDFC Bank Business Platinum Credit Card charges a 3.5% foreign currency markup on international transactions. This is in line with the standard 3.5% charged by most Indian credit cards.
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