Credit Cards · Honest Review
HDFC GIGA Business Credit Card
HDFC Bank · Visa
Your Verdict
- ✓6 CashPoints per ₹200 on GST payments, tax payments, and digital services
- ✓2 CashPoints per ₹200 on all other business spends
- ✓1% fuel surcharge waiver for business fuel expenses
- ✓Annual fee waived on ₹50K annual spend
- ✓Designed for business owners and self-employed professionals
What HDFC GIGA Business Credit Card costs you
HDFC GIGA Business Credit Card carries a ₹500 annual fee and a ₹500 one-time joining fee. The annual fee is waivable: Spend ₹50K/year.
| Fee | Amount |
|---|---|
| Annual fee (year 2+) | ₹500 |
| Joining fee (one-time) | ₹500 |
| Fee waiver condition | Spend ₹50K/year |
| Spend required for waiver | ₹50,000 / year |
| Foreign transaction fee (forex markup) | Not disclosed / standard rates apply |
What you earn on every rupee spent
HDFC GIGA Business Credit Card earns 1.00% on all eligible spends as a base reward rate, with accelerated rates on online shopping and other bonus categories listed below. Each reward point is worth ₹0.2 when redeemed, giving a clear rupee value for your earnings.
| Category | Reward rate |
|---|---|
| All other spends (base rate) | 1.00% |
| 🛒 Online Shopping | 3% |
500 CashPoints on first transaction
Reward types: Points
Beyond the reward rate
The non-reward benefits on HDFC GIGA Business Credit Card are meaningful for frequent users. Here is what you get with the card.
Who can apply for HDFC GIGA Business Credit Card
HDFC GIGA Business Credit Card does not have a published minimum income requirement. It is open to business owners and self-employed professionals.
| Requirement | Detail |
|---|---|
| Minimum monthly income | Not specified |
| CIBIL score | Not specified — clean history expected |
| Age range | 21–60 years |
| Employment type | Business owner, Self-employed |
| Typical approval time | 7–10 working days |
Who should (and shouldn't) get HDFC GIGA Business Credit Card
- → Heavy spenders on online shopping who want 3% back
- → Moderate spenders who can clear the fee waiver condition
- → Frequent flyers who need airport lounge access
HDFC GIGA Business Credit Card — Questions answered
What is the annual fee for HDFC GIGA Business Credit Card?
What is the minimum income required for HDFC GIGA Business Credit Card?
What is the reward rate on HDFC GIGA Business Credit Card for online shopping?
Does HDFC GIGA Business Credit Card provide airport lounge access?
How do I get the annual fee waived on HDFC GIGA Business Credit Card?
How long does it take to get HDFC GIGA Business Credit Card approved?
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Get My Personalised Verdict →Information on this page is gathered from public sources and the card issuer's official website. Fees and reward rates may change — verify the current terms on the issuer's website before applying. SingleVerdict may earn a referral fee if you apply through our links, which does not affect our scoring or editorial decisions.