HDFC Bank
HDFC Giga Business Credit Card
- Joining feeRs 500
- Annual feeRs 500
- Reward rate0.25% on most spends
Takes you straight to the application. We earn a commission if you are approved, and you pay nothing extra.
- Joining fee₹500
- Annual fee₹500
- Fee waiverOn ₹50,000 spend a year
- Forex markup3.5%
Giga is built for small business owners and freelancers. You earn 6 CashPoints per Rs 200 on tax payments, business software, bill payments and business digital spends, and 2 CashPoints per Rs 200 on everything else. Hit Rs 50,000 in a month and you get 800 bonus points.
The fee is ₹500 plus GST, waived when you spend ₹50,000 in the year, so most active users pay nothing after the first year. You also get a Rs 250 welcome voucher and discounts on Zoho Books, LegalWiz and WeWork.
It suits small businesses that pay taxes, software subscriptions and bills online. The catch is that it is a basic card. There are no lounges or travel perks and foreign spends carry a 3.5% markup.
Best for: Small business owners, Freelancers and consultants, Startups paying for software tools, Businesses paying taxes online.
01HDFC Giga Business Credit Card Rewards and Benefits
02HDFC Giga Business Credit Card Annual Fee and Charges
- Joining fee
- ₹500
- Annual fee
- ₹500
- Spend-based waiver
- Annual fee waived on ₹50,000 spend in a year (rent and wallet loads not counted)
- Rewards redemption fee
- Nil
- Forex markup
- 3.5%
- Interest rate
- Not published
- Fuel surcharge waiver
- No
- Card replacement
- Not published
03What It's Worth, in Rupees
If you spend ₹20,000 a month on this card:
- ₹20,000 on everything else, earning 0.25%₹50
- Back each month, ₹600 a year₹50
- Annual fee with 18% GST (waived at this spend)₹0
- In your pocket each year₹600
Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.
Good for
- Spending ₹4,167 or more a month: the ₹590 fee is waived
Skip it if…
- you spend less than ₹4,167 a month (₹50,000 a year, rent and wallet loads not counted): the ₹590 fee is then charged
- you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
- you spend a lot on fuel, utility bills, rent or insurance: the card's terms do not state a rate there, so we count nothing
- you often pay in foreign currency: 3.5% is added to every foreign spend
04Product Details
- Joining and annual fee: ₹500 plus GST
- Fee waived on ₹50,000 annual spend
- 6 CashPoints per ₹200 on tax, software, bills and digital business spends
- 2 CashPoints per ₹200 on other spends
- 800 bonus points on ₹50,000 monthly spend
- Discounts on Zoho Books, LegalWiz and WeWork
05Pros and Cons
Pros
- Higher rewards on common business costs
- Very low fee, easy to waive
- Monthly milestone bonus
- Useful business tool discounts
Cons
- No lounge or travel benefits
- Only 2 CashPoints per ₹200 outside business categories
- 3.5% forex markup
06How HDFC Giga Business Credit Card earns Rewards
0.25% on most spends.
| Spend category | Rate | Monthly cap | Where it applies |
|---|---|---|---|
| UPI payments (scan and pay) | Earns nothing | - | a Visa or Mastercard card cannot pay by UPI |
| Online shopping | 0.25% | No cap | The card's normal rate |
| Dining and food delivery | 0.25% | No cap | The card's normal rate |
| Groceries | 0.25% | No cap | The card's normal rate |
| Travel: flights, hotels, trains | 0.25% | No cap | The card's normal rate |
| Fuel | Not stated | - | the card's exclusions are not published, and many cards pay nothing here |
| Bills and recharges | Not stated | - | the card's exclusions are not published, and many cards pay nothing here |
| Rent | Not stated | - | the card's exclusions are not published, and many cards pay nothing here |
| Insurance premiums | Not stated | - | the card's exclusions are not published, and many cards pay nothing here |
| School and college fees | Not stated | - | the card's exclusions are not published, and many cards pay nothing here |
| Wallet top-ups | Not stated | - | the card's exclusions are not published, and many cards pay nothing here |
| Taxes and government payments | Not stated | - | the card's terms state no rate here; many cards pay nothing on these |
| Spend abroad or in a foreign currency | 0.25% | No cap | The card's normal rate |
| Everything else | 0.25% | No cap | The card's normal rate |
07HDFC Giga Business Credit Card Travel Benefits
Spending abroad carries a 3.5% forex markup; rewards on it: 0.25% back (the normal rate). See what it costs on your trip
08HDFC Giga Business Credit Card Eligibility and Documents
- Age
- 25 to 65 years
- Minimum annual ITR
- ₹4,00,000
09Cards Similar to HDFC Giga Business Credit Card
HDFC Giga Business Credit Card is a business card. The two below are the closest on SkyloFin; open any of them, or put them side by side.
| Feature | HDFC Giga Business Credit Card |  HDFC BizFirst Credit Card |  HDFC BizGrow Credit Card |
|---|---|---|---|
| Joining fee | ₹500 | ₹500 | ₹500 |
| Annual fee | ₹500 | ₹500 | ₹500 |
| Rewards | 0.25% on most spends | Rewards not published | Rewards not published |
| Domestic lounge | Not included | Not included | Not included |
| Forex markup | 3.5% | 3.5% | 3.5% |
| Type | Business | Business | Business |
10Explore More
Never Miss Your HDFC Giga Business Credit Card Bill
The SkyloFin app reads your bank's bill SMS, reminds you before the due date and marks the bill paid when you pay. Free on Android, and your data stays on your phone.
Common Questions
Is the ₹500 fee waived?
Yes, when you spend ₹50,000 in a year.
Which spends earn more?
Tax payments, business software, bill payments and business digital spends earn 6 CashPoints per ₹200.
Is there a monthly bonus?
Yes, 800 reward points when you spend ₹50,000 in a month.
What discounts come with the card?
25% off Zoho Books, 20% off LegalWiz and 33% off the monthly WeWork subscription.
What is the joining fee for the HDFC Giga Business Credit Card?
The joining fee is ₹500. Check the bank's page before you apply, because fees change and promotional waivers come and go.
What is the annual fee for the HDFC Giga Business Credit Card?
The annual fee is ₹500.
Does applying through SkyloFin cost more?
No. You pay the same fees you would pay applying directly with HDFC Bank. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.
SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.
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