Share

HDFC BizPower 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 BizPower Credit Card versus HDFC Giga Business Credit Card compared
FeatureHDFC BizPower Credit CardHDFC BizPower 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 2,500Rs 500
Annual feeRs 2,500Rs 500
Fee waived at₹4,00,000₹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 BizPower Credit Card
  • Business owners with high monthly spends
  • Entrepreneurs who travel
  • Businesses buying through SmartBuy
HDFC Giga Business Credit Card
  • Small business owners
  • Freelancers and consultants
  • Startups paying for software tools
  • Businesses paying taxes online

Watch-Outs

HDFC BizPower Credit Card
  • Best value needs Rs 2.5 lakh spend every quarter
  • 10X rate is limited to SmartBuy brands
  • ₹2,500 fee if spend falls below Rs 4 lakh
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 BizPower Credit Card or HDFC Giga Business Credit Card?

HDFC Giga Business Credit Card. HDFC Giga Business Credit Card: ₹500; HDFC BizPower Credit Card: ₹2,500. Check whether a spend-based waiver applies before you decide.

Which is better for spending abroad?

HDFC BizPower Credit Card has the lowest forex markup. HDFC BizPower 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

Other Comparisons

We earn a commission if you are approved, and you pay nothing extra. How we make money.

Compare all the credit cards we list

Credit Cards

Guides in Plain Words

Short reads that explain how it works before you decide.

All Credit Cards guides
SkyloFin - Expense Tracker

Your Money. One Clear View.

Automatically organise your spending, track expenses and understand where your money goes.

  • Reads bank SMS No account linking, no passwords.
  • Sorts every rupee Into categories you can edit.
  • Bills and cards Statements found, due dates reminded.
  • Your Google Drive Backed up to you, never to us.
Get the AppSee how it works