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HDFC Bank Giga Business Credit Card

HDFC Bank

Annual / renewal fee

₹500.

VerifiedKey Fact Statement cum Most Important Terms & Conditions (MITC) - Business Credit Cards (covers GIGA Business), updated 14th July 202530 Jul 2026, 7:50 AM ISTHDFC Bank

Earn rate

  • 3X CashPoints (i.e. 6 CashPoints per ₹200, min spend ₹200) on Business Digital spends (Advertising, Accounting, Software license purchase, cloud hosting etc.), bill payments via SmartPay & PayZapp, Income Tax/Advance Tax payment, GST payments, hotel & flight booking on MMT MyBiz powered by SmartBuy BizDeals, and business software purchase via SmartBuy BizDeals - Nuclei.
  • 2 CashPoints per ₹200 (min spend ₹200) on other spends (excluding petrol, wallet, rent, education, EMI).

Verifiedharvested from product page30 Jul 2026, 7:50 AM ISTHDFC Bank

View on official site →

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.

Source-traced to issuer Verified 2026-07-30
View on official site →

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

Giga Business Credit Card by HDFC Bank. Facts on this page are extracted and verified automatically from official issuer documents.

Fees

Joining fee

₹500.

VerifiedKey Fact Statement cum Most Important Terms & Conditions (MITC) - Business Credit Cards (covers GIGA Business), updated 14th July 202530 Jul 2026, 7:50 AM ISTHDFC Bank

Annual / renewal fee

₹500.

VerifiedKey Fact Statement cum Most Important Terms & Conditions (MITC) - Business Credit Cards (covers GIGA Business), updated 14th July 202530 Jul 2026, 7:50 AM ISTHDFC Bank

Fee waiver

Annual membership fee / renewal charges for next year waived on minimum spend of ₹50,000 per annum (excludes Cash on Call, Balance Transfer, Cash Withdrawal).

VerifiedKey Fact Statement cum Most Important Terms & Conditions (MITC) - Business Credit Cards (covers GIGA Business), updated 14th July 202530 Jul 2026, 7:50 AM ISTHDFC Bank

Renewal fee

₹500 (waived on minimum spend of ₹50,000 per annum).

VerifiedKey Fact Statement cum Most Important Terms & Conditions (MITC) - Business Credit Cards (covers GIGA Business), updated 14th July 202530 Jul 2026, 7:50 AM ISTHDFC Bank

Rewards

  • 3X CashPoints (i.e. 6 CashPoints per ₹200, min spend ₹200) on Business Digital spends (Advertising, Accounting, Software license purchase, cloud hosting etc.), bill payments via SmartPay & PayZapp, Income Tax/Advance Tax payment, GST payments, hotel & flight booking on MMT MyBiz powered by SmartBuy BizDeals, and business software purchase via SmartBuy BizDeals - Nuclei.
  • 2 CashPoints per ₹200 (min spend ₹200) on other spends (excluding petrol, wallet, rent, education, EMI).

Verifiedharvested from product page30 Jul 2026, 7:50 AM IST

Redemption value

  • CashPoints redeemed as cashback against statement balance at 1 CashPoint = ₹0.25.
  • Reward Points/CashPoints valid only for 2 years from date of accumulation.
  • Minimum amount required for cashback redemption for GIGA is 250.
  • Rewards Redemption Fee ₹99 per redemption request.
  • Cashback Redemption Charges ₹50 per cashback redemption.

VerifiedGiga Business Credit Card product page30 Jul 2026, 7:50 AM ISTHDFC Bank

Reward cap

  • Accelerated 3X CashPoints on business spends capped at 1500 CP per statement cycle.
  • Maximum reward points that can be earned in a statement cycle for GIGA Business is 15,000.

Verifiedharvested from product page30 Jul 2026, 7:50 AM ISTHDFC Bank

Reward exclusion

ClubsHousingRentHospitalEducationDonationMutual fundsLoansCredit Card paymentsWallet LoadFastagMunicipal TaxMunicipal service. Rent paymentsGovernment related transactions and Education related transactions do not earn Reward Points/CashPoints (Government transactions are an exception for GIGA Business)

Verifiedharvested from product page30 Jul 2026, 7:50 AM ISTHDFC Bank

Travel & lounge

Lounge access

  • No complimentary lounge access is listed for GIGA Business in the official MITC.
  • Complimentary lounge access within India is specified only for BizBlack Metal Card and BizPower, not for GIGA Business.

VerifiedKey Fact Statement cum Most Important Terms & Conditions (MITC) - Business Credit Cards (covers GIGA Business), updated 14th July 202530 Jul 2026, 7:50 AM ISTHDFC Bank

Travel benefit

Exclusive savings on hotel & flight bookings via SmartBuy BizDeals.

VerifiedGiga Business Credit Card product page30 Jul 2026, 7:50 AM ISTHDFC Bank

Dining, golf, concierge, insurance, milestones & welcome

Welcome benefit

Gift voucher worth ₹250 on making one transaction on the Giga Credit card within the first 37 days of card issuance, redeemable on top brands like Amazon, Swiggy, OTT Play Premium subscription for 1 month & more.

VerifiedGiga Business Credit Card product page30 Jul 2026, 7:50 AM ISTHDFC Bank

Milestone benefit

  • Cardholder is eligible for milestone benefit on achieving spend target of ₹63,000 in a month using the GIGA Business credit card.
  • Fuel & rent spend transactions are not considered under spend target achievement.

Verifiedharvested from product page30 Jul 2026, 7:50 AM ISTHDFC Bank

Statement credit

Up to ₹1,800 cashback in the first calendar year and e-vouchers worth up to ₹800 for adding 2 or more bills on SmartPay (HDFC Bank utility bill payment service).

VerifiedGiga Business Credit Card product page30 Jul 2026, 7:50 AM ISTHDFC Bank

Eligibility

Not published in the official documents on file — see the official T&C link below.

Charges & interest

Forex markup

3.5% of transaction value on Foreign Currency Transactions (currency conversion rate as on settlement date applicable).

VerifiedKey Fact Statement cum Most Important Terms & Conditions (MITC) - Business Credit Cards (covers GIGA Business), updated 14th July 202530 Jul 2026, 7:50 AM ISTHDFC Bank

Charge

  • Cash advance fee: 2.5% or ₹500 whichever is higher.
  • Finance charges (revolving credit & cash advances): 3.75% per month (45% annually).
  • Late Payment Charges (w.e.f 1st Aug'24): Nil up to ₹100.
  • ₹100 (₹101-500).
  • ₹500 (₹501-1,000).
  • ₹600 (₹1,001-5,000).
  • ₹750 (₹5,001-10,000).
  • ₹900 (₹10,001-25,000).
  • ₹1,100 (₹25,001-50,000).
  • ₹1,300 (above ₹50,000).
  • Overlimit charge: 2.5% of overlimit amount, min ₹550.
  • Payment Return Charges: 2% of payment, min ₹450.
  • Cash Processing Fee: ₹100.
  • Balance Transfer Processing: 1% of BT amount or ₹250 whichever higher.
  • Duplicate physical statement: ₹10.
  • Rewards Redemption Fee: ₹99.
  • Cashback Redemption Charges: ₹50.
  • Rent Pay (w.e.f 1st July 2025): 1% of transaction, capped ₹4999/txn.
  • Reissue of Lost/Stolen/Damaged Card: ₹100.
  • Dynamic currency conversion Markup Fee: 1% (revised to 1.75% w.e.f 15th May 2026).
  • Add-on Card Fee: Lifetime Free.
  • Fuel Charges: 1% on fuel spends exceeding ₹30,000 for business cards, capped ₹4999/txn.
  • Utility Charges: 1% on utility spends exceeding ₹75,000/month for business cards, capped ₹4999/month.
  • Education Charges (third party apps): 1%, capped ₹4999/txn.
  • Online Skill based Gaming (w.e.f 1st July 2025): 1% on spends exceeding ₹10,000/month, capped ₹4999/month.
  • Wallet Loading excl PayZapp (w.e.f 1st July 2025): 1% on spends exceeding ₹10,000/month, capped ₹4999/month.
  • Card Validation charges: ₹2.
  • Outstation Cheque Processing: ₹25 (up to ₹5,000)/₹50 (above ₹5,000).
  • Card re-issuance fee (w.e.f 15th May 2026): ₹199 non-metal / ₹3,500 metal variants.

VerifiedKey Fact Statement cum Most Important Terms & Conditions (MITC) - Business Credit Cards (covers GIGA Business), updated 14th July 202530 Jul 2026, 7:50 AM ISTHDFC Bank

Fuel surcharge waiver

1% fuel surcharge waiver at all fuel stations across India on minimum transaction of ₹400 and maximum transaction of ₹5000, capped at ₹250 per statement cycle (GST on fuel surcharge not reversed).

VerifiedGiga Business Credit Card product page30 Jul 2026, 7:50 AM ISTHDFC Bank

Interest-free period

  • Interest free credit period ranges from 25 to 55 days (GIGA Business).
  • Not applicable if previous month's balance is not cleared in full or if cash withdrawn from ATM.

VerifiedKey Fact Statement cum Most Important Terms & Conditions (MITC) - Business Credit Cards (covers GIGA Business), updated 14th July 202530 Jul 2026, 7:50 AM 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 Giga Business Credit Card?

Officially traced: Rs. 500.

Key Fact Statement cum Most Important Terms & Conditions (MITC) - Business Credit Cards (covers GIGA Business), updated 14th July 2025

What is the joining fee on the Giga Business Credit Card?

Officially traced: Rs. 500.

Key Fact Statement cum Most Important Terms & Conditions (MITC) - Business Credit Cards (covers GIGA Business), updated 14th July 2025

Is the Giga Business Credit Card annual fee ever waived?

Annual membership fee / renewal charges for next year waived on minimum spend of Rs. 50,000 per annum (excludes Cash on Call, Balance Transfer, Cash Withdrawal).

Key Fact Statement cum Most Important Terms & Conditions (MITC) - Business Credit Cards (covers GIGA Business), updated 14th July 2025

How does the Giga Business Credit Card earn rewards?

3X CashPoints (i.e. 6 CashPoints per Rs. 200, min spend Rs. 200) on Business Digital spends (Advertising, Accounting, Software license purchase, cloud hosting etc.), bill payments via SmartPay & PayZapp, Income Tax/Advance Tax payment.

harvested from product page

What lounge access does the Giga Business Credit Card include?

No complimentary lounge access is listed for GIGA Business in the official MITC.

Key Fact Statement cum Most Important Terms & Conditions (MITC) - Business Credit Cards (covers GIGA Business), updated 14th July 2025

What welcome benefit does the Giga Business Credit Card offer?

Gift voucher worth Rs. 250 on making one transaction on the Giga Credit card within the first 37 days of card issuance, redeemable on top brands like Amazon, Swiggy, OTT Play Premium subscription for 1 month & more.

Giga Business Credit Card product page

What are the transfer ratios for Giga Business Credit Card 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 issuer pageKey Fact Statement cum Most Important Terms & Conditions (MITC) - Business Credit Cards (covers GIGA Business), updated 14th July 2025harvested from product page

Official terms

https://www.hdfc.bank.in/business-credit-cards/giga-business-credit-card.

Verifiedharvested from product page30 Jul 2026, 7:50 AM ISTHDFC Bank

Verified 2026-07-30 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.

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