Bussiness cards are specially made for all high value spends without restrictions like we have hdfc regalia bussiness card and so many banks give option to opt for bussiness cards if your spending is high.
If your spends are less like for eg limit is 1L and monthly utilisation is 30-50k then...
The delay as hdfc uses billdesk services and processing from them is old age as they haven't been integrated like cred and other apps are and works old school.
You actually wouldn't face issues even if delayed credit as they mention the date at which it was paid to card companies so no late...