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HDFC Giga Business vs BizFirst 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 Giga Business Credit Card versus HDFC BizFirst Credit Card compared
FeatureHDFC Giga Business Credit CardHDFC Giga Business Credit CardHDFC Bank
HDFC BizFirst Credit CardHDFC BizFirst Credit CardHDFC Bank
Rewards by spend
Rewards0.25% on most spendsRewards not published
UPI payments (scan and pay)sameEarns nothingEarns nothing
Online shopping0.25%Not stated
Dining and food delivery0.25%Not stated
Groceries0.25%Not stated
Travel: flights, hotels, trains0.25%Not stated
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 currency0.25%Not stated
Everything else0.25%Not stated
Card identity
Card typesameBusinessBusiness
Fees
Joining feesameRs 500Rs 500
Annual feesameRs 500Rs 500
Fee waived atsame₹50,000₹50,000
Eligibility
Min age25 years-
Max age65 years-
Min annual ITR₹4,00,000-
Rewards
Reward typeCashback-
Forex and international
Forex markupsame3.5%3.5%
ApplyApply NowApply Now

Best For

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

Watch-Outs

HDFC Giga Business Credit Card
  • No lounge or travel benefits
  • Only 2 CashPoints per Rs 200 outside business categories
  • 3.5% forex markup
HDFC BizFirst Credit Card
  • Rewards are in CashPoints, not direct cash
  • 3.5% forex markup
  • No lounge or travel benefits

Questions People Ask

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

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

Which is better for spending abroad?

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