Compare InterMiles HDFC Bank Platinum Credit Card vs HDFC Bank Biz Grow Credit Card

A. Continue the exciting journey with 1,500 InterMiles upon spending Rs. 3,000 within first 30 days of Anniversary date

Experience savings on Flight and Hotel bookings:

A. Get Rs. 500 Flight Discount vouchers

B. Get Rs. 1000 Hotel Discount vouchers

Do note that these Renewal benefits are only applicable on realization of membership fee

Get 4 InterMiles on every Rs. 150 spent on retail spends
Get 8 InterMiles on every Rs 150 spent on every flight ticket booked on https://flights.intermiles.com
Get 8 InterMiles on every Rs. 150 spent on every Hotel booked via Interbook.intermiles.com
Privileges on Etihad Airways

A. Obtain 5% discount on Etihad Airways Economy Class tickets booked on http://flights.intermiles.com

B. Avail 2.5X bonus InterMiles for Etihad Airways tickets booked on http://flights.intermiles.com

Domestic Lounge Program: Be greeted with luxury each time when traveling, with access to selected lounges at airports in India with the bank’s network partners
VISA Lounge Program: Get 8 complimentary visits Per Year (2 per quarter)
MasterCard Lounge Program: Get 8 complimentary visits (2 per quarter)
1% fuel surcharge waiver at fuel stations in India on minimum transaction of Rs. 400
Zero liability on lost card
Revolving Credit is available at an interest rate of 3.6% per month
Avail up to 50 days of free credit period from the date of purchase
Avail up to 3 Add-on Cards
Save up to 20% on dining bills paid via Dineout Pay via the credit card. Get 15% Dineout Discount plus Additional 5% HDFC Bank Discount

Card Activation Benefit: Avail a Gift voucher worth Rs. 250 on making one transaction on the Biz Grow Credit Card within first 37 days of card issuance. Voucher is redeemable on top brands like Amazon, Swiggy & more
Milestone Benefits: Obtain 2000 CashPoints every quarter on quarterly spends of Rs. 1,00,000.  (On all retail spends excluding rent and petrol). Redeem CashPoints against statement. (Earn 1 CashPoint = Upto Rs.0.25)
Spend Rs. 1 Lakh in an anniversary year (12 billing cycles) to get Renewal Fee waived for next renewal year
Up to 55 days Interest Free Credit Period
Earn 2 Cash Points on every Rs.150 spent for your business needs
Earn 10X Cash Points on selected Business spends such as:

1. Bill Payment via Payzapp & SmartPay

2. Income Tax/ Advance Tax payment via eportal.incometax.gov.in

3. GST payment via payment.gst.gov.in

4. Hotel & flight booking on MMT MyBiz powered by SmartBuy BizDeals

5. Business Productivity tools like Tally, Office 365, AWS, Google, Credflow, Azure & more via SmartBuy BizDeals - Nuclei

6. Dmart

7. Cleartax

Note: 10X Cash Points applicable on minimum spends Rs. 10,000 in statement cycle

Maximum 1,500 Cash Points per statement cycle

Make GST payment using Business Credit Card:  Via GST portal: payment.gst.gov.in
Pay Income Tax/ Advance Tax using Business Credit Card (eportal.incometax.gov.in)
SmartBuy BizDeals:

Avail up to 40% savings on your Business travel and software purchase on smartbuy.hdfcbank.com/business

1. Business Travel Benefits via MMT MyBiz :

- 4% off on Flights and Hotels booking

- Discounted Fares, Free Meal & Seat Selection, Low Fees for Cancellation  

2. Business Productivity Tools via – Nuclei :

- Instant discount on Business Software such as Google Workspace, Tally Prime, AWS, Microsoft Azure & more

- Get GST Invoice for availing Input Tax Credit 

1% fuel surcharge waiver at all fuel stations across India (on minimum transaction of Rs. 400 and maximum transaction of Rs. 5000)
Dining Benefits: Enjoy FLAT 10% EXTRA OFF on dining bills at 35K+ restaurants
SmartPay, an automatic payment facility available on the Credit Card to pay your utility bills, gives assured cashback up to Rs. 1800 in the first year and exciting e-vouchers worth up to Rs. 800 for adding 2 or more bills on Smart Pay
Convert big spends into EMI after purchase
Easy EMI: Choose EMI option for large online or in-store purchases using Biz Grow Credit Card and avail easy repayments using Easy EMI
Zero Lost card liability
Credit liability cover: Rs. 3 Lakh
Business Insurance Benefit: Secure a Business with specially curated Business Insurance package:

- Avail Business Insurance package starting at an annual premium of Rs. 3,785 which includes:

a. Fire & Burglary insurance for Shop up to Rs. 5 Lakhs

b. Cash in Safe/Transit up to Rs.25,000

c. Electronic Equipment insurance excluding terrorism up to Rs. 50,000

d. Hospital Cash: Accident only amount payable per day up to Rs. 1000

e. Hospital Cash: Illness only amount payable per day up to Rs. 1000

Do note that the cardholders have the option to pick higher Business Insurance cover as per their Business need

A minimum of 2500 CP is required to redeem CashPoints against statement balance
Flights and Hotels redemption, Credit Card members can redeem up to a maximum of 50% of the booking value through CashPoints. Rest of the transaction amount will have to be paid via the Credit Card limit
With effect from 1st February 2023, cardmembers can redeem upto 70% of product/Voucher value through CashPoints on select vouchers/products and pay the remaining amount via Credit card
The maximum 15,000 CashPoints can be earned in a statement cycle
Unredeemed Cash Points will expire/lapse after 2 year of accumulation