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HDFC BizFirst 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 BizFirst Credit Card versus HDFC Giga Business Credit Card compared
FeatureHDFC BizFirst Credit CardHDFC BizFirst 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 feesameRs 500Rs 500
Annual feesameRs 500Rs 500
Fee waived atsame₹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 markupsame3.5%3.5%
ApplyApply NowApply Now

Best For

HDFC BizFirst Credit Card
  • Small business owners
  • Freelancers and the self-employed
  • Businesses paying suppliers on UPI
HDFC Giga Business Credit Card
  • Small business owners
  • Freelancers and consultants
  • Startups paying for software tools
  • Businesses paying taxes online

Watch-Outs

HDFC BizFirst Credit Card
  • Rewards are in CashPoints, not direct cash
  • 3.5% forex markup
  • No lounge or travel benefits
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 BizFirst Credit Card or HDFC Giga Business Credit Card?

They charge the same annual fee. HDFC BizFirst Credit Card: ₹500; HDFC Giga Business Credit Card: ₹500.

Which is better for spending abroad?

HDFC BizFirst Credit Card has the lowest forex markup. HDFC BizFirst Credit Card: 3.5%; 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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