HDFC Giga Business Credit Card
HDFC Bank
Last updated: Feb 03, 2026
₹500
₹500
Free
4 visits/yr
Contents
The HDFC Giga Business Credit Card is crafted for freelancers, entrepreneurs, and gig professionals. It offers high CashPoints on business-related digital spends, fuel surcharge waivers, milestone bonuses, and extended interest-free credit of up to 55 days. With SmartBuy rewards and fee waiver options, it’s ideal for optimizing business expenses.
Features of HDFC Giga Business Credit Card which makes it unique
Business Expense Optimization
Earn high CashPoints on business expenses and bill payments.
Reduce operational costs for freelancers and MSMEs.
Tailored rewards vs consumer credit cards.
Extended Interest-Free Credit
Enjoy up to 55 days of interest-free credit.
Improves short-term cash flow for businesses.
Longer than most competing cards.
Rewards Structure of HDFC Giga Business Credit Card
Business Digital Spends
acceleratedAdvertising, accounting, software, and cloud expenses
Earn higher CashPoints on targeted business spends.
General Business Spend
baseAll business-related purchases
Standard reward rate on regular business transactions.
Fuel
baseFuel transactions ₹400–₹5,000
Fuel waiver applicable across partner petrol pumps.
Milestones of HDFC Giga Business Credit Card
Monthly Milestone
₹50,000 : 800 CashPoints redeemable via SmartBuy or as cashback
Quarterly Rewards
As per ongoing offers : SmartBuy cashback and partner discounts
Fees & Charges of HDFC Giga Business Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹500 |
| Annual Fee | ₹500 |
| Forex Markup Fee | 0 |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹750 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 2% |
Renewal Conditions:Annual fee waived on ₹50,000 spend in the anniversary year.
Fee Explanation Standard HDFC Bank feerewardss apply for overdue or late payments.
Detailed Explanation of HDFC Giga Business Credit Card Fees
Joining / Renewal Fee: 500 (one-time / yearly)
Waived if ₹50,000 spent in the previous anniversary year.
Cash Advance Fee: 2.5% (transaction)
Applicable as per HDFC Bank MITC.
Lounge Access Benefits with HDFC Giga Business Credit Card
domestic Lounges
silverVisits per year: 4
Guest access: No
Available after meeting quarterly spend thresholds.
Insurance Coverage with HDFC Giga Business Credit Card
Credit Liability Cover
₹3,00,000Covers fraudulent transactions after card loss.
Additional Features of HDFC Giga Business Credit Card
Contactless Payments
Tap and pay securely for small purchases.
Valid for transactions under the contactless limit.
SmartEMI Facility
Convert large purchases into EMIs instantly.
Available on eligible transactions via HDFC Bank.
Welcome Bonus with HDFC Giga Business Credit Card
Welcome Bonus: One-month OTT Play Premium subscription
Bonus Conditions: Make your first transaction within 37 days of card issuance to receive the one-month OTT Play Premium subscription. Offer valid for new customers as per HDFC Bank terms.
Application Process for HDFC Giga Business Credit Card
Processing Time
5-7 business days
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Apply online through the HDFC Giga Business Card page.
Upload KYC and income proof documents.
Receive verification and approval update from HDFC Bank.
Card dispatched within 5–7 working days post-approval.
Required Documents for HDFC Giga Business Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
self_employedAccepted documents:
HDFC Giga Business Credit Card Merchant Acceptance Network
Domestic Acceptance
Accepted at all major merchant locations in India.
International Acceptance
Accepted globally where Mastercard is accepted.
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for HDFC Giga Business Credit Card
Quick Eligibility Check
Minimum Age
25+
Credit Score
650+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹0
Minimum annual income
Self-Employed Applicants
₹400,000
Minimum annual income
Who Can Apply
Important Conditions
- Self-employed applicants must provide valid ITR or GST proof along with PAN and Aadhaar.
How Approval Is Decided
- Indian resident aged between 25–65 years
- Self-employed or freelancer with annual income ≥ ₹4,00,000
- Valid credit score above 650
Pros of HDFC Giga Business Credit Card
- Best suited for freelancers and entrepreneurs
- High reward rate on business spends
- SmartBuy redemptions for travel and cashback
Cons of HDFC Giga Business Credit Card
- CashPoints redemption required for cashback
- Limited partner transfer options
- Benefits depend on business spending categories
Frequently Asked Questions about HDFC Giga Business Credit Card
What is the joining fee for the HDFC Giga Business Credit Card?
The joining fee is ₹500 plus taxes. It’s waived if you spend ₹50,000 in a year.
What is the welcome bonus offer?
You get a one-month OTT Play Premium subscription when you make your first transaction within 37 days of issuance.
How many CashPoints can I earn?
Earn 6 CashPoints per ₹150 on digital business spends and 2 CashPoints per ₹150 on all other spends.
Can CashPoints be used for statement credit?
Yes, CashPoints can be redeemed against your statement balance or through SmartBuy for travel bookings.
Is there a fuel surcharge waiver?
Yes, you get a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, capped at ₹250 per statement cycle.
Who can apply for this card?
Self-employed professionals, freelancers, and business owners with annual income above ₹4,00,000 can apply.
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