Compare Yes Bank First Reserv Credit Card vs HDFC Bank Biz Grow Credit Card

Earn 8000 bonus Reward Points if renewal fee is charged (This is applicable second year onwards)
Get up to 1.75% markup on foreign currency
For 6 months for mobile and electronic purchased online, get insurance cover of up to Rs. 50,000 against accidental damage
Enjoy 4 green fee waiver per year- Get 1 Golf lesson per year at select golf courses in India
Credit Shield cover of 15 Lakh
Lost Card liability 15 Lakh to 30 Lakh
1% fuel surcharge waiver between Rs 400 and Rs 5000
Access to airport lounges internationally for Mastercard and Visa cards: Get 6 complimentary International Airport lounge visits per calendar year
3 complimentary domestic airport lounge visits per quarter
Get 5 times the benefits of YES Rewardz Points on Travel, Dining, Fashion and Healthcare categories
Get 3 times the regular benefits of YES Rewardz Points for online dining or online grocery and apparel or other retail spends
Avail 24 YES Rewardz Points on every Rs. 200 for online shopping
Avail 12 YES Rewardz Points on every Rs. 200 for offline shopping
Avail 6 YES Rewardz Points on every Rs. 200 on select categories
Air Miles: Get 10 YES Rewardz Points= 1 InterMile / 1 Club Vistara Point
Instant EMI: Pay in parts for transactions as low as Rs. 1500
Post Purchase EMI: Convert payments into EMI with on-call service at attractive interest rates
Quick Loan: Avail a loan amount within the card limit to fullfil immediate fund requirements
Contactless Transactions

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