HDFC Bank Business Gold Credit Card Online
HDFC Bank
Annual / renewal fee
₹500 plus applicable taxes per year (Membership Renewal Fee 2nd year onwards).
VerifiedBusiness Gold Credit Card Online product page4 Aug 2026, 2:20 PM ISTHDFC Bank
Earn rate
- Reward Points on every ₹150 spent.
- Redeemable for shopping through NetBanking.
VerifiedBusiness Gold Credit Card Online product page4 Aug 2026, 2:20 PM ISTHDFC Bank
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at hdfc.bank.in — if a different card is shown first, use its card selector to pick this one.
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at hdfc.bank.in — if a different card is shown first, use its card selector to pick this one.
Overview
Business Gold Credit Card Online by HDFC Bank. Facts on this page are extracted and verified automatically from official issuer documents.
Fees
Joining fee
₹500 plus applicable taxes.
VerifiedBusiness Gold Credit Card Online product page4 Aug 2026, 2:20 PM ISTHDFC Bank
Annual / renewal fee
₹500 plus applicable taxes per year (Membership Renewal Fee 2nd year onwards).
VerifiedBusiness Gold Credit Card Online product page4 Aug 2026, 2:20 PM ISTHDFC Bank
Fee waiver
Waiver on renewal fees of ₹500 on annual spends of minimum ₹50,000 on your Business Gold Credit Card.
VerifiedBusiness Gold Credit Card Online product page4 Aug 2026, 2:20 PM ISTHDFC Bank
Rewards
- Reward Points on every ₹150 spent.
- Redeemable for shopping through NetBanking.
VerifiedBusiness Gold Credit Card Online product page4 Aug 2026, 2:20 PM IST
Redemption value
- Rewards Redemption Fee: ₹99 per redemption request.
- Reward Points are valid only for 2 years from the date of accumulation.
- If the Credit Card is not used for more than 365 days, Reward Points accrued will be nullified.
VerifiedHDFC Bank Commercial/Corporate Credit Card MITC (covers Business Gold and other commercial cards)4 Aug 2026, 2:20 PM ISTHDFC Bank
Reward exclusion
Effective 15 Apr 2016, Reward Points will not be accrued for fuel transactions.
VerifiedBusiness Gold Credit Card Online product page4 Aug 2026, 2:20 PM ISTHDFC Bank
Travel & lounge
Lounge access
Card validation charge for domestic lounge access: ₹2 charged on the Credit Card, not reversed by the bank.
VerifiedHDFC Bank Commercial/Corporate Credit Card MITC (covers Business Gold and other commercial cards)4 Aug 2026, 2:20 PM ISTHDFC Bank
Travel benefit
- 1% CashBack on air tickets booked through domestic airline websites (up to ₹500 per statement).
- Surcharge waivers on rail tickets booked via IRCTC (up to ₹500 per statement).
- HDFC ERGO Travel Insurance Policy for secure travel abroad.
VerifiedBusiness Gold Credit Card Online product page4 Aug 2026, 2:20 PM ISTHDFC Bank
Dining, golf, concierge, insurance, milestones & welcome
Welcome benefit
Confirm on the official page
Official source not yet captured
Insurance
Travel abroad securely with HDFC ERGO Travel Insurance Policy.
VerifiedBusiness Gold Credit Card Online product page4 Aug 2026, 2:20 PM ISTHDFC Bank
Statement credit
1% CashBack on air tickets booked through domestic airline websites (up to ₹500 per statement).
VerifiedBusiness Gold Credit Card Online product page4 Aug 2026, 2:20 PM ISTHDFC Bank
Eligibility
Eligibility
We are currently not accepting new applications for the HDFC Bank Business Gold Credit Card (card no longer issued to new customers).
VerifiedBusiness Gold Credit Card Online product page4 Aug 2026, 2:20 PM ISTHDFC Bank
Charges & interest
Forex markup
Cross currency markup of 3.5% on the transaction value (Business Corporate MoneyBack category).
VerifiedHDFC Bank Commercial/Corporate Credit Card MITC (covers Business Gold and other commercial cards)4 Aug 2026, 2:20 PM ISTHDFC Bank
Charge
- Cash advance charges: 2.5% on amount withdrawn or ₹500 whichever is higher.
- Revolving credit finance charge (Business Corporate Moneyback/Regalia): 3.49% per month (41.88% annually).
- Card issued against fixed deposit: 1.99% per month (23.88% annually).
- Maximum default interest rate 3.5% monthly (42% annually).
- Cash advance limit: 40% of credit limit (corporate liability) / 30% (individual liability).
- Add-on card fee: Not Applicable.
- Over-limit charge: 2.5% of over limit amount, minimum ₹500.
- Payment return charges: 2% of payment amount, minimum ₹450.
- Cash processing fee: ₹100.
- Rewards redemption fee: ₹99 per redemption request.
- Railway ticket purchase (HDFC Payment Gateway): 1.8% + GST.
- Reissue lost/stolen/damaged card: ₹100 per card.
- Outstation cheque processing: up to ₹5000 fee ₹25, above ₹5000 fee ₹50.
- Retrieval fee (charge slip): ₹125 per slip.
- Late payment charges: up to ₹100 = Nil.
- >₹100-500 = ₹100.
- >₹500-5,000 = ₹500.
- >₹5,000-10,000 = ₹600.
- More than ₹10,000 = ₹750 (w.e.f. 25 July 2022).
- Card validation charge - domestic lounge: ₹2 (not reversed).
- TDS 2% on aggregate cash withdrawals exceeding ₹1 Cr. Rent Pay: 1% fee on rental transactions, fee capped ₹4999 per transaction (w.e.f. 1 July 2025).
- Online skill based gaming: 1% fee on spends exceeding ₹10,000 per calendar month, capped ₹4999 per transaction (w.e.f. 1 July 2025).
- Wallet loading (excl PayZapp): 1% fee on spends exceeding ₹10,000 per calendar month, capped ₹4999 per transaction (w.e.f. 1 July 2025).
- Dynamic currency conversion markup fee: 1% on transactions in Indian currency at international location or India-merchants registered overseas (w.e.f. 1 Jan 2023).
- EMI payments not applicable on commercial cards.
VerifiedHDFC Bank Commercial/Corporate Credit Card MITC (covers Business Gold and other commercial cards)4 Aug 2026, 2:20 PM ISTHDFC Bank
Fuel surcharge waiver
- 1% fuel surcharge waived on fuel transactions between ₹400 and ₹5,000.
- Maximum waiver capped at ₹500 per statement cycle (GST applicable) for Business Corporate Money Back.
- Reward points are not accrued on fuel transactions.
- GST charged on fuel surcharge is non-refundable.
VerifiedHDFC Bank Commercial/Corporate Credit Card MITC (covers Business Gold and other commercial cards)4 Aug 2026, 2:20 PM ISTHDFC Bank
Interest-free period
Up to 50 days interest-free credit period (ranges 20 to 50 days depending on scheme; not applicable if previous balance not cleared in full or if cash withdrawn from ATM).
VerifiedHDFC Bank Commercial/Corporate Credit Card MITC (covers Business Gold and other commercial cards)4 Aug 2026, 2:20 PM ISTHDFC Bank
Transfers
Not published in the official documents on file — see the official T&C link below.
Common questions
What is the annual fee on the Business Gold Credit Card Online?
Officially traced: Rs. 500 plus applicable taxes per year (Membership Renewal Fee 2nd year onwards).
Business Gold Credit Card Online product pageWhat is the joining fee on the Business Gold Credit Card Online?
Officially traced: Rs. 500 plus applicable taxes.
Business Gold Credit Card Online product pageIs the Business Gold Credit Card Online annual fee ever waived?
Waiver on renewal fees of Rs. 500 on annual spends of minimum Rs. 50,000 on your Business Gold Credit Card.
Business Gold Credit Card Online product pageHow does the Business Gold Credit Card Online earn rewards?
Reward Points on every Rs. 150 spent.
Business Gold Credit Card Online product pageWhat lounge access does the Business Gold Credit Card Online include?
Card validation charge for domestic lounge access: Rs. 2 charged on the Credit Card, not reversed by the bank.
HDFC Bank Commercial/Corporate Credit Card MITC (covers Business Gold and other commercial cards)What are the transfer ratios for Business Gold Credit Card Online points?
Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.
Other verified details
Not published in the official documents on file — see the official T&C link below.
Official documents & verification
Official terms
https://www.hdfc.bank.in/commercial-credit-cards/business-gold-credit-card.
VerifiedBusiness Gold Credit Card Online product page4 Aug 2026, 2:20 PM ISTHDFC Bank
Verified 2026-08-04 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.