HDFC Bank Giga Business Credit Card
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Open to new applications · Earns CashPoints
First-year fee
₹500 + GST
Annual fee
₹500 + GST
What it gives back
2 CashPoints per ₹200 points · everyday spends
How it compares
Compared with the cards we have read
Fees
Joining feeRenewal fee
₹500 + GST
Fee waiver rule
Spend ₹50,000 in an anniversary year (12 billing cycles) and get Renewal Fee waived for next renewal year
Add-on card fee
₹0
Welcome offer
Welcome benefit
₹250 gift voucher on first transaction within 37 days
Rewards
Reward rate
2 CashPoints per ₹200 points · everyday spends2 CashPoints per ₹200 spent on general business expenses.
EMI spend earning
EasyEmi and e-wallet loading transaction will not accrue Reward Points.
Online earning
6 CashPoints per ₹200 spent on Business digital spends.
Rent earning
Rent payments will not earn Reward Points/CashPoints on all the cards.
Travel earning
Earn 6 Cash Points per ₹200 spent on Hotel & flight booking on MMT MyBiz powered by SmartBuy BizDeals.
Utilities earning
Earn 6 Cash Points per ₹200 spent on Bill Payments via Payzapp & SmartPay.
Wallet load earning
E-wallet loading transaction will not accrue Reward Points.
Reward exclusions
Education related transactions do not earn Reward Points.
Reward caps
Maximum 15,000 CashPoints can be earned in a statement cycle
Cashback redemption
20 paise per point
Catalogue redemption
Redeem against Business Catalogue via Netbanking Up to ₹0.30
Flight redemption
Up to 50% of booking value via CashPoints
Hotel redemption
For flight and hotel bookings, Credit Card members can redeem up to a maximum of 70% of the booking value through Reward Points /CashPoints.
Redeeming points for travel
Redeem on SmartBuy (against flights/hotel bookings) Up to ₹0.25
Voucher and product redemption
Redeem against Product Catalogue via Netbanking & SmartBuy Up to ₹0.25
Point expiry
Unredeemed Cash Points will expire/lapse after 2 year of accumulation.
Smallest number of points that can be redeemed
A minimum of 2500 CP is needed to redeem CashPoints against statement balance
Card benefits
Hotel or travel programme
Get Upto 10% Cash Back on travel/online shopping on SmartBuy
Dining programme
Up to 7.5% discount on dining bills with Swiggy-Dineout by paying via Swiggy App
Milestone benefits
Bonus 800 Cash points on monthly spend ₹50,000 every month.
Benefit given each anniversary year
Get assured cashback upto ₹1800 in the first year and exciting e-vouchers worth upto ₹800 for adding 2 or more bills on Smart Pay
Also included
Fuel surcharge waiver
1% fuel surcharge waiver at all fuel stations across India (on minimum transaction of ₹400 and maximum transaction of ₹5000. Max Cashback of ₹250 per statement cycle)
Surcharge on railway tickets
1% of transaction amount + GST on railway ticket purchases
Credit shield cover
Credit liability cover: ₹3 lakh.
Lost card liability
The cardmember is wholly liable for all transactions prior to reporting the loss of the card; after the bank receives proper notification of the loss, the cardmember's subsequent liability is zero.
Balance transfer terms
1% of BT amount or ₹250, whichever is higher.
Purchase to EMI conversion
Option to convert your big spends into EMI after purchase.
Charges
Forex markup
3.5% on foreign currency transactions.3.50% of transaction value
Dynamic currency conversion markup
With effect from 15th May 2026, a markup fee of 1.75% is levied on all transactions carried out in Indian Currency at an international location or at merchants located in India but registered overseas
Cash advance fee
2.5% or ₹500, whichever is higher, levied on the amount withdrawn.
Cash advance interest
All cash advances also carry a finance charge equal to charges on revolving credit, from the date of withdrawal until the date of full payment
Cash withdrawal limit
Cash withdrawal limit: 40% of the Credit Limit.
Interest on unpaid balance
3.75% Monthly 45.0% Annually
Interest-free period
Up to 55 days Extended Interest-Free Credit Period
Late payment fee
₹100 or less: Nil; ₹101 to ₹500: ₹100; ₹501 to ₹1,000: ₹500; ₹1,001 to ₹5,000: ₹600; ₹5,001 to ₹10,000: ₹750; ₹10,001 to ₹25,000: ₹900; ₹25,001 to ₹50,000: ₹1,100; more than ₹50,000: ₹1,300 (excl. GST)
Over-limit fee
Over-limit charge of 2.5% of the overlimit amount, subject to a minimum of ₹550, applicable on total outstanding exceeding the credit limit, basis explicit consent
Payment return or dishonour fee
2% of Payment amount subject to minimum of ₹450 (applicable for cheque payment return or unsuccessful payment attempt through Autopay facility)
Statement or duplicate statement fee
Duplicate physical statement charges: ₹10 per duplicate physical statement.
Card replacement fee
₹199 for non-metal cards; ₹3,500 for metal cards.
Cash payment / cash deposit fee
Cash Processing Fee: ₹100 (for all card payments made by depositing in HDFC Bank branches or ATMs)
Education / school fee charge
1% fee on education transactions done through third party applications like (but not limited to) CRED, Nobroker, Cheq etc., capped at ₹4999 per transaction; education transactions done directly through college / school websites or through POS machines at their premises, and international education transactions, will not be charged.
EMI conversion fee
Smart EMI processing fee upto ₹849 (exclusive of GST for all loan amounts), depending on the customer’s eligibility/offer details; EasyEMI processing fee: an EMI processing fee of upto ₹299 for customers availing EMI facility at merchant
Fee for paying the bill by cheque
2% of Payment amount subject to minimum of ₹450
Fee on online skill-based gaming spends
1% fee on Online Skill based gaming spends exceeding ₹10,000 in a calendar month, applied on the total Online skill-based gaming spends in a calendar month; fee capped at ₹4999 per month.
Foreign ATM fee
Cash from ATMs in India or abroad: transaction fee of 2.5% or ₹500, whichever is higher, levied on the amount withdrawn and billed in the next statement.
Reward redemption fee
₹99 + GST per catalogue redemption request
Wallet load charge
From 1st July 2025, 1% fee on wallet loading spends (excl PayZapp) exceeding ₹10,000 in a calendar month; fee applied on the total wallet loading spends in the calendar month; fee capped at ₹4999 per month
Fuel transaction fee
1% fee on fuel transactions exceeding ₹15,000 for consumer cards (₹30,000 for business cards), applied on the total transacted amount; fee capped at ₹4999 per transaction.
Rent transaction fee
1% fee on transaction amount on rental transactions done on any applicable merchant for the month; fee capped at ₹4999 per transaction.
Utility transaction fee
1% fee on utility spends exceeding ₹50,000 per calendar month for consumer cards (₹75,000 per calendar month for business cards), applied on the total utility spends in a calendar month; fee capped at ₹4999 per month.
GST note
Applicable on all Fees, Interest, and other Charges.
Minimum amount due
MAD (WEF June’25) = Total GST + EMI amount + 100% of Fees/Charges + Overlimit Amount (if any) + 5% of (Finance Charge + Retail Spends + Cash Advance) when that 5% is higher than the Finance Charge; otherwise 100% of Finance Charges + 5% of (Retail Spends + Cash Advance)
Eligibility
Income requirement
Annual ITR above ₹4 Lakhs.
Minimum age
Aged between 25 yrs. to 65 Yrs.
Documents required
Customers can apply credit card using ITR, GST returns
In the terms, not the brochure (1)
Whether carrying a balance ends the interest-free period
This period will be free of interest only if all previous dues are paid in full and there is no unpaid balance carried over from previous months.
How we know - 7 documents from HDFC Bank, checked 19 Oct 2026
₹500 a year
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