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HDFC BizBlack vs Giga Business Credit Card Compared

Which credit card suits you? Side by side on the numbers that decide it. A blank means the provider has not published that figure, not that it is zero.

HDFC BizBlack Credit Card versus HDFC Giga Business Credit Card compared
FeatureHDFC BizBlack Credit CardHDFC BizBlack Credit CardHDFC Bank
HDFC Giga Business Credit CardHDFC Giga Business Credit CardHDFC Bank
Rewards by spend
RewardsRewards not published0.25% on most spends
UPI payments (scan and pay)sameEarns nothingEarns nothing
Online shoppingNot stated0.25%
Dining and food deliveryNot stated0.25%
GroceriesNot stated0.25%
Travel: flights, hotels, trainsNot stated0.25%
FuelsameNot statedNot stated
Bills and rechargessameNot statedNot stated
RentsameNot statedNot stated
Insurance premiumssameNot statedNot stated
School and college feessameNot statedNot stated
Wallet top-upssameNot statedNot stated
Taxes and government paymentssameNot statedNot stated
Spend abroad or in a foreign currencyNot stated0.25%
Everything elseNot stated0.25%
Card identity
Card typesameBusinessBusiness
Fees
Joining feeRs 10,000Rs 500
Annual feeRs 10,000Rs 500
Fee waived at₹7,50,000₹50,000
Eligibility
Min age-25 years
Max age-65 years
Min annual ITR-₹4,00,000
Rewards
Reward type-Cashback
Forex and international
Forex markup2%3.5%
ApplyApply NowApply Now

Best For

HDFC BizBlack Credit Card
  • Business owners with high monthly spends
  • Frequent business travellers
  • Golfers
  • Founders who want premium perks on company spends
HDFC Giga Business Credit Card
  • Small business owners
  • Freelancers and consultants
  • Startups paying for software tools
  • Businesses paying taxes online

Watch-Outs

HDFC BizBlack Credit Card
  • ₹10,000 fee is steep if spends are low
  • Fee waiver needs Rs 7.5 lakh spend a year
  • Accelerated points only on select business categories
HDFC Giga Business Credit Card
  • No lounge or travel benefits
  • Only 2 CashPoints per Rs 200 outside business categories
  • 3.5% forex markup

Questions People Ask

Which has the lower annual fee, HDFC BizBlack Credit Card or HDFC Giga Business Credit Card?

HDFC Giga Business Credit Card. HDFC Giga Business Credit Card: ₹500; HDFC BizBlack Credit Card: ₹10,000. Check whether a spend-based waiver applies before you decide.

Which is better for spending abroad?

HDFC BizBlack Credit Card has the lowest forex markup. HDFC BizBlack Credit Card: 2%; HDFC Giga Business Credit Card: 3.5%. The markup is charged on every foreign-currency transaction, before GST.

Can I hold more than one of these cards?

Usually yes, if each bank approves you. Many people keep one card for everyday spending and another for a specific use such as travel. Each application is a separate credit check.

Work Out the Numbers

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