Is there any benefit of having business credit card over personal credit card?

[cyborg009]

Is there any benefit of having business credit card over personal credit card?

Like I recently got hdfc biz grow, but hdfc online shopping offers are not applicable on this card and also surcharge/convenience fee levied is greater than personal credit cards?

So what's the point of it?

 

[tachniki]

Is there any benefit of having business credit card over personal credit card?

Like I recently got hdfc biz grow, but hdfc online shopping offers are not applicable on this card and also surcharge/convenience fee levied is greater than personal credit cards?

So what's the point of it?

You can get cashback on tax payments.

 

[realjayt]

Rewards on business payments, tax payments, Government payments, leniency on use of credit limit. Any business with these needs will opt for a business cc over a personal cc

 

[realjayt]

Rewards on business payments, tax payments, Government payments, leniency on use of credit limit. Any business with these needs will opt for a business cc over a personal cc

If this solves your query then and mark it as solution. Bhsi ko Ace banna hain!

 

[cyborg009]

One more question I have does normal online card shopping apply to this card? Or do I have to apply for another hdfc card?

 

[cyborg009]

And how do I mark it solved?

 

[tachniki]

You may use it for personal shopping and choose to even claim GST. But don't claim.

You can get another card too.

 

[bing1309]

Is there any benefit of having business credit card over personal credit card?

Like I recently got hdfc biz grow, but hdfc online shopping offers are not applicable on this card and also surcharge/convenience fee levied is greater than personal credit cards?

So what's the point of it?

Only biz black is good rest all are useless nevertheless it's totally on ones spending and usage. (Pos machine offers yes works but online offers wont) But sticking to visa core cards like regalia or infina in hdfc is always the best option.

 

[cyborg009]

Only biz black is good rest all are useless nevertheless it's totally on ones spending and usage. (Pos machine offers yes works but online offers wont) But sticking to visa core cards like regalia or infina in hdfc is always the best option.

I was thinking about millenia, as it offers 5 percent cashback on e commerce sites, what do you think about it?

 

[bing1309]

I was thinking about millenia, as it offers 5 percent cashback on e commerce sites, what do you think about it?

Points game vs cashback is totally once choice. But if you ask me I use the card and stick to points game rather than cashback. For cashback I go for national bank cards.

 

[EnthuCC]

Let's say a person has two cards from HDFC : Millennia and BizPower. Would their credit limit be shared or separate?

And do banks provide higher credit limit on business credit cards compared to private use cards?

 

[realjayt]

You may use it for personal shopping and choose to even claim GST. But don't claim.

You can get another card too.

By doing what you did to this post @cyborg009. By clicking that correct button on the message that solves your query

 

[tachniki]

I was thinking about millenia, as it offers 5 percent cashback on e commerce sites, what do you think about it?

Milenia is good option. Sbicard in same category gives cashback upto 5000 per month.

 

[cyborg009]

Milenia is good option. Sbicard in same category gives cashback upto 5000 per month.

Already got it

 

[cyborg009]

The problem with sbi card is that sometimes it doesn't give cashback on Flipkart transactions...

Milenia is good option. Sbicard in same category gives cashback upto 5000 per month.