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Millions of businesses.
One nation's growth.
A range of Credit Cards that support both.

Indroducing,
HDFC Bank Business Credit Cards
Made for Business Owners, Freelancers, Entrepreneurs

Upto to 55 days credit @ 0% interest
Save up to ₹1.3 Lakh annually on business spends 
& more business benefits 
card
Upto to 55 days credit @ 0% interest
Save up to ₹1.3 Lakh annually on business spends 
& more business benefits 

Cards that empower your business

BizPower

  • 9% savings on Bill payments via Payzapp, Income tax & GST payments, Electronics purchase via Reliance digital and Ad spends via Google ads/ Meta Ads
  • Get Amazon pay voucher worth ₹1,500 on completing one online transaction in 30 days​
  • Avail travel voucher worth ₹2,500 on spending ₹2.5 lakhs in a quarter
  • Upto 16 complimentary domestic lounge and 6 international lounge access in a year
  • HDFC Bank BizPower Credit Card Eligibility:
    • A Self-Employed Indian Citizen aged between 21 years to 65 years.
    • Annual ITR above ₹12 Lakh
    • (Customers can apply for Credit Card using ITR/GST returns/Bank statements/merchant payment report)
  • HDFC Bank BizPower Credit Card Fees & Charges:
    • Joining/Renewal Membership Fee – ₹2,500 plus Applicable Taxes
    • Pleasevclick here to view the fees and charges applicable on your HDFC Bank BizPower Credit Card.
    • Spend ₹4 Lakh in an anniversary year (12 billing cycles) and get Renewal Fee waived for next renewal year.

BizGrow

  • 4% savings on Bill payments via Payzapp, Income tax & GST payments and Grocery purchase via Dmart.
  • 1% fuel surcharge wavier.
  • 2,000 Bonus CashPoints on quarterly spends of ₹1 Lakh as Milestone Benefit*.
  • HDFC Bank BizGrow Credit Card Eligibility:
    • A Self-Employed Indian Citizen aged between 21 years to 65 years.
    • Annual ITR above ₹6 Lakh
    • (Customers can apply for Credit Card using ITR/GST returns/Bank statements/merchant payment report)
  • HDFC Bank BizGrow Credit Card Fees & Charges:
    • Joining/Renewal Membership Fee – ₹500 plus Applicable Taxes
    • Please  click herevto view the fees and charges applicable on your HDFC Bank Biz Grow Credit Card.
    • Spend ₹1 lakh in an anniversary year (12 billing cycles) and get Renewal Fee waived for next renewal year.

BizFirst

  • 3% CashPoints on EMI spends
  • 2% CashPoints on Utility bills, Electronics, SmartPay & PayZapp transactions*.
  • 1% CashPoints on other spends*.
  • 1% fuel surcharge wavier​.
  • Get 2,000 Bonus CashPoints on quarterly spends of ₹75,000 as Milestone Benefit*.
  • HDFC Bank BizFirst Credit Card Eligibility:
    • A Self-Employed Indian Citizen aged between 21 years to 65 years.
    • Annual ITR above ₹6 Lakh
    • (Customers can apply for Credit Card using ITR/GST returns/Bank statements/merchant payment report)
  • HDFC Bank BizFirst Credit Card Fees & Charges:
    • Joining/Renewal Membership Fee – ₹500 plus Applicable Taxes
    • Please  click here  to view the fees and charges applicable on your HDFC Bank Biz First Credit Card.
    • Spend ₹50,000 in an anniversary year (12 billing cycles) and get Renewal Fee waived for next renewal year.

GIGA

  • Rs.450 Savings every month on business digital spends, Bill payments via Payzapp, Income tax & GST payments
  • Earn 800 cashpoints on monthly spending of Rs.50,000 & more as milestone benefit
  • Discounts on curated range of products like Zoho | WeWork | Legal Wiz | Harapa by Upgrad (use logos)
  • HDFC Bank GIGA Business card Eligibility

    A Self-Employed individual/ profession aged between 25yrs. to 65 Yrs. Annual ITR above Rs 4 Lakhs*

    (Customers can apply credit card using ITR, GST returns, Bank Statements and Form26 AS)

  • HDFC Bank GIGA Business card fees & charges

    Joining/Renewal Membership Fee – Rs. 500/- plus Applicable Taxes

    Please Click here to view the fees and charges applicable on your HDFC Bank GIGA Business Credit Card.

    Spend Rs. 50,000 in an anniversary year (12 billing cycles) and get Renewal Fee waived for next renewal year

Our Offers

on SaaS tools via Smartbuy BizDeals

for travel booking via Smartbuy Bizdeals on

Get Upto 10X Reward Points / 10% cashback*

on Flights and hotels and on brands like​

Get Upto 5X Reward Points or 5% Cashback*

on Insta vouchers​

Indulge in mouth-watering discounts!*

Pay with your HDFC Bank Biz Credit Card Card and enjoy FLAT 10% EXTRA OFF* on dining bills at 35K+ restaurants on Swiggy Dineout ​

on SaaS tools via Smartbuy BizDeals

for travel booking via Smartbuy Bizdeals on

Get Upto 10X Reward Points / 10% cashback*

on Flights and hotels and on brands like​

Get Upto 5X Reward Points or 5% Cashback*

on Insta vouchers​

Indulge in mouth-watering discounts!*

Pay with your HDFC Bank Biz Credit Card Card and enjoy FLAT 10% EXTRA OFF* on dining bills at 35K+ restaurants on Swiggy Dineout ​

Calculate Your Savings

BizPower Calculator
BizGrow Calculator
BizFirst Calculator
BizBlack Calculator

FAQs

  • Extended Credit free period
    Get upto 55 days of interest free credit period on all your business expenses using BizFirst credit card
  • Earn CashPoints on your everyday Business spends:
    • 3% Cash Points on EMI Spends (Max. 1000 CP/per month)
    • 2% Cash Points on Utility bill payments, SmartPay, *Payzapp and Electronics (Max. 500 CP/per month)
      (*Spends on Clubs, housing, rent, hospital, education, donation, mutual funds, loans, credit card payments via PayZapp are not eligible for 2 % CashPoints)
    • 1% Cash Points on all retail spends (Max. 500 CP/per month)
    • Great Deals and Discounts on Business Productivity Tools via Nuclei powered by SmartBuy Biz Deals- Nuclei (Tally, Office 365, AWS, Google Workspace, Credflow, Mailchimp,Leadsquared, Azure)
    • Offers on your hotels and flight bookings via MMT MyBiz powered by SmartBuy Biz Deals Click here
  • Fuel benefits
    1% Fuel Surcharge waiver on fuel transactions (Minimum transaction of Rs.400, Maximum transaction of Rs.5,000 & Maximum CashBack of Rs.250 per statement cycle)
  • Business Insurance Benefit
    Avail Specially curated Business insurance package at an annual premium of Rs.3,785 (including GST)
  • Link your BizFirst credit card with UPI apps and make payments through UPI.
  • Milestone benefit
    Enjoy milestone benefit of 2000 CP on quarterly spend of Rs. 75,000 & above (Redeem CashPoints against statement balance to pay your credit card bill. 100cash Points = up to Rs. 15)
  • Activation Benefit
    Get Rs. 250 worth gift voucher redeemable on top brands on activating your BizFirst credit card within 37 days of issuance
  • Get annual renewal fee waived off on a spend of Rs.50,000 in the previous year.

  • Swiggy Dineout:
    Indulge in mouth-watering discounts! Pay with your HDFC Bank BizGrow Card and enjoy FLAT 10% EXTRA OFF* on dining bills at 35K+ restaurants! Click here to Know more.
  • Platform Benefits:
    SmartBuy: Get Upto 5% cashback on travel/online shopping on SmartBuy (Click here to know more.)
  • SmartBuy Biz Deals-
    • Get upto 40% discounts on Business software like Tally, Office 365, AWS, Google Workspace, Credflow & more at SmartBuy Biz Deals -Nuclei platform Click here to know more
    • Get Upto 3% off on Domestic and International flight bookings and Upto 4% off on hotel bookings via MMT My Biz platform (Click here to know more)
  • Utility Bill Payments:
  • Make all your utility bill payments Via SmartPay & Payzapp:
  • SmartPay:
    • Automate your bill payments on SmartPay using BizFirst credit card. You can then ensure that all your utility bills are paid on time, conveniently and easily.
    • Get assured cashback upto Rs. 1800 in the first year and exciting e-vouchers worth upto Rs.800 for adding 2 or more bills on Smart Pay. For more details click here.
    • Steps to register on SmartPay to automate your utility bill payments:
      • Through Net Banking Login:
        BillPay & Recharge > Continue > Add Biller > Select Category > Enter Details and Enable Smartpay on Debit/Credit Card Or Cards> Credit cards> Smart Pay> Continue > Add Biller > Select Category > Enter Details and Enable Smartpay on Credit Card
      • Through Mobile Banking Login
        Bill Payments > Add Biller > Select Biller Type> Enter Details and Enable Smartpay on Credit Card
  • Payzapp:
  • Steps to register on Payzapp to make your utility bill payments:
    Download Payzapp on playstore/Apple store > Register with your mobile number, registered with HDFC Bank and enter your details > Verify the authentication code sent to your device and create 4-12 digit secure PIN > Link your Credit Card by entering your card details >
  • Steps to make bill payments via Payzapp:
    Select the Recharge/Bill Pay option > Choose from the mobile recharge or bill pay option of your requirement > Enter the mobile number or subscriber/Consumer ID > Select the Service Provider/Operator and enter the payment amount > Use linked Credit/Debit card to make your payment in one click
    Click here to know more

  • Term Loan Facility: As per eligibility, you can avail term loan for your business needs.
  • There are 2 types of Loan on Credit Card available:
    • Insta Loan: This Loan amount is within your available Credit Card limit. Eg: If your Credit Card limit is Rs.1,50,000/-, your loan limit can be Rs.1,20,000 (limit depends on various criteria). If you have already spent Rs.50,000 then the maximum loan amount that you can get will be Rs.1,00,000/- which will be blocked against your remaining limit.
    • Jumbo Loan: This Loan amount is over and above your available Credit Card limit. Eg: If your Credit Card limit is Rs.4,00,000/-, your Loan limit can be Rs.4,00,000/- or more. You can also spend on your Credit Card as it will not block your Credit Card limit (Click here to know more) (Refer question no.4 to know the steps to apply for Insta loan/Jumbo loan.)
  • SmartEMI: Convert large purchases on your HDFC Bank credit card into SmartEMI after the purchase and enjoy stress-free repayment. Enjoy attractive interest rates, among the lowest in the market.
  • Steps to convert your large purchases into SmartEMI using your HDFC Bank credit card.
    • Visit the link SmartEMI
    • Enter the mobile number registered with the Bank and Enter last 4 digit of your credit card
    • Enter the OTP
    • Choose the bill that needs to be converted into EMI
    • Select the tenure
    • Confirm & Re-authenticate using the OTP received on your registered mobile number.
  • Easy EMI: Convert your large purchases using your HDFC Bank Business credit card into EasyEMI during the purchase and pay into easy instalments.
  • Revolving Credit: Enjoy Revolving Credit on your HDFC Bank BizFirst Credit Card at 3.60% monthly interest rate on revolving balance, refer Fees and Charges section
  • Zero Lost card liability: In the unfortunate event of losing your HDFC Bank BizFirst Credit Card, on reporting it immediately to our 24-hour call centre, you have zero liability on any fraudulent transactions made on your Credit Card. Credit liability cover: Rs. 3 lakh
  • Customer care number:
    Toll Free: 1800 202 6161 / 1860 267 6161
    If you are travelling overseas, you can reach us at 022-6160660

More FAQs

  • Extended Credit free period
    Get upto 55 days of interest free credit period on all your business expenses using Biz Grow credit card
  • Core Earn
    Earn 2 Cash Points on all Spends of Rs.150 (excluding petrol, wallet, rent, education, EMI)
  • Accelerated Earn
    Get 10X cash points on a spend of more than Rs.10,000 per Month capped at 1500 CP per month on Business spends such as
  • Fuel benefits
    1% Fuel Surcharge waiver on fuel transactions (Minimum transaction of Rs.400, Maximum transaction of Rs.5,000 & Maximum CashBack of Rs.250 per statement cycle)
  • Milestone benefit
    Enjoy milestone benefit of 2000 CP on quarterly spend of Rs. 1 Lac (Redeem CashPoints against statement balance to pay your credit card bill. 100cash Points = up to Rs. 25)
  • Activation Benefits
    Get Rs. 250 worth gift voucher redeemable on top brands on activating your BizGrow credit card within 37 days of issuance
  • Avail Business Insurance package at an annual premium of Rs.3,785 (including GST)
  • Get annual renewal fee waived off on a spend of Rs. 1 Lac in the previous year.
  • What are the other benefits of BizGrow credit card?
  • Swiggy Dineout:Get up to 7.5 % savings off on all your restaurant bill payments via Swiggy D

  • Swiggy Dineout:
    Indulge in mouth-watering discounts! Pay with your HDFC Bank BizGrow Card and enjoy FLAT 10% EXTRA OFF* on dining bills at 35K+ restaurants! Click here to Know more.
  • Platform Benefits:
    SmartBuy: Get Upto 10% cashback on travel/online shopping on SmartBuy (Click here to know more.).
    SmartBuy Biz Deals-
  • Get upto 40% discounts on Business software like Tally, Office 365, AWS, Google Workspace, Credflow & more at SmartBuy Biz Deals -Nuclei platform (Click here to know more.)
  • Get Upto 3% off on Domestic and International flight bookings and Upto 4% off on hotel bookings via MMT My Biz platform (Click here to know more)
  • Utility Bill Payments:
    Make all your utility bill payments Via SmartPay & Payzapp:
  • SmartPay:
  • Automate your bill payments on SmartPay using BizGrow credit card. You can then ensure that all your utility bills are paid on time, conveniently and easily.
  • Get assured cashback upto Rs. 1800 in the first year and exciting e-vouchers worth upto Rs.800 for adding 2 or more bills on Smart Pay. For more details Click here.
  • Steps to register on SmartPay to automate your utility bill payments:
    • Through Net Banking Login:
      BillPay & Recharge > Continue > Add Biller > Select Category > Enter Details and Enable Smartpay on Debit/Credit Card Or Cards> Credit cards> Smart Pay> Continue > Add Biller > Select Category > Enter Details and Enable Smartpay on Credit Card
    • Through Mobile Banking Login
      Bill Payments > Add Biller > Select Biller Type> Enter Details and Enable Smartpay on Credit Card
  • PayZapp:
    Steps to register on PayZapp to make your utility bill payments: Download PayZapp on Playstore/Apple store > Register with your mobile number, registered with HDFC Bank and enter your details > Verify the authentication code sent to your device and create 4-12 digit secure PIN > Link your Credit Card by entering your card details
  • Steps to make bill payments via Payzapp:
    Select the Recharge/Bill Pay option > Choose from the mobile recharge or bill pay option of your requirement > Enter the mobile number or subscriber/Consumer ID > Select the Service Provider/Operator and enter the payment amount > Use linked Credit/Debit card to make your payment in one click here

  • Term Loan Facility: As per eligibility, you can avail term loan for your business needs.
  • There are 2 types of Loan on Credit Card available:
    • Insta Loan: This Loan amount is within your available Credit Card limit. Eg: If your Credit Card limit is Rs.1,50,000/-, your loan limit can be Rs.1,20,000 (limit depends on various criteria). If you have already spent Rs.50,000 then the maximum loan amount that you can get will be Rs.1,00,000/- which will be blocked against your remaining limit.
    • Jumbo Loan: This Loan amount is over and above your available Credit Card limit. Eg: If your Credit Card limit is Rs.4,00,000/-, your Loan limit can be Rs.4,00,000/- or more. You can also spend on your Credit Card as it will not block your Credit Card limit.(Click here to know more) (Refer question no.4 to know the steps to apply for Insta loan/Jumbo loan.)
    • SmartEMI: Convert large purchases on your HDFC Bank credit card into SmartEMI after the purchase and enjoy stress-free repayment. Enjoy attractive interest rates, among the lowest in the market. Steps to convert your large purchases into SmartEMI using your HDFC Bank credit card.
      • Visit the link SmartEMI
      • Enter the mobile number registered with the Bank and Enter last 4 digit of your credit card
      • Enter the OTP
      • Choose the bill that needs to be converted into EMI
      • Select the tenure
      • Confirm & Re-authenticate using the OTP received on your registered mobile number.
    • Easy EMI: Convert your large purchases using your HDFC Bank Business credit card into EasyEMI during the purchase and pay into easy instalments.
    • Revolving Credit: Enjoy Revolving Credit on your HDFC Bank BizGrow Credit Card at 3.60% monthly interest rate on revolving balance, refer Fees and Charges section
    • Zero Lost card liability: In the unfortunate event of losing your HDFC Bank BizGrow Credit Card, on reporting it immediately to our 24-hour call centre, you have zero liability on any fraudulent transactions made on your Credit Card. Credit liability cover: Rs. 3 lakh
    • Customer care number:
      Toll Free: 1800 202 6161 / 1860 267 6161
      If you are travelling overseas, you can reach us at 022-6160660

More FAQs

  • Extended Credit free period
    Get upto 55 days of interest free credit period on all your business expenses using BizPower credit Card
  • Core Earn
    Earn 4 Reward points on all Spends of Rs.150 (excluding petrol, wallet, rent, education, EMI)
  • Accelerated Earn
    Get 5X Reward points on a spend of more than Rs.25,000 per statement cycle capped at 5000 RP per statement cycle on Business spends such as
  • Welcome Benefit
    Get Amazon voucher worth Rs.1500 or Amazon Prime (Annual membership) and Biz Prime (6 months membership) as Welcome benefit on making one online transaction in first 30 days of card issuance.
  • Milestone Benefit
    Enjoy milestone benefit of receiving a gift voucher worth Rs.2500 on quarterly spend of Rs.2.5Lac, which you can redeem it from Reliance Digital or MMT.
  • Avail Business Insurance package at an annual premium of Rs.3,785.
  • Avail 2 complimentary lounge access and additional 2 complimentary lounge access on spending of Rs.75,000 in the previous quarter + 6 complimentary international lounge access per year using priority pass.
  • Get annual renewal fee waiver on a spend of more than Rs. 4 Lac in the previous year

  • Swiggy Dineout:
    Indulge in mouth-watering discounts! Pay with your HDFC Bank Diners BizBlack Card and enjoy FLAT 10% EXTRA OFF* on dining bills at 35K+ restaurants! Click here to know more
  • Platform Benefits:
    • SmartBuy- Get Upto 10X reward points on travel/online shopping on SmartBuy ( Click here to know more.)
    • SmartBuy Biz Deals
      Get upto 40% discounts on Business software like Tally, Office 365, AWS, Google Workspace, Credflow & more at SmartBuy Biz Deals -Nuclei platform ( Click here to know more)
      Get Upto 3% off on Domestic and International flight bookings and Upto 4% off on hotel bookings via MMT My Biz platform (Click here to know more)
  • Utility Bill Payments via SmartPay & PayZapp:
    • SmartPay:
      • Automate your bill payments on SmartPay using Biz Power credit card. You can then ensure that all your utility bills are paid on time, conveniently and easily.
      • Get assured cashback upto Rs. 1800 in the first year and exciting e-vouchers worth upto Rs.800 for adding 2 or more bills on Smart Pay. For more details click here.
      • Steps to register on SmartPay to automate your utility bill payments:
  • Through Net Banking Login:
    BillPay & Recharge > Continue > Add Biller > Select Category > Enter Details and Enable Smartpay on Debit/Credit Card Or Cards> Credit cards> Smart Pay> Continue > Add Biller > Select Category > Enter Details and Enable Smartpay on Credit Card
  • Through Mobile Banking Login
    Bill Payments > Add Biller > Select Biller Type> Enter Details and Enable Smartpay on Credit Card
  • Payzapp:
    Steps to register on Payzapp to make your utility bill payments:
    Download Payzapp on playstore/Apple store > Register with your mobile number, registered with HDFC Bank and enter your details > Verify the authentication code sent to your device and create 4-12 digit secure PIN > Link your Credit Card by entering your card details >
  • Steps to make bill payments via Payzapp:
    Select the Recharge/Bill Pay option > Choose from the mobile recharge or bill pay option of your requirement > Enter the mobile number or subscriber/Consumer ID > Select the Service Provider/Operator and enter the payment amount > Use linked Credit/Debit card to make your payment in one click. Click here to know more

  • Term Loan Facility: As per eligibility, you can avail term loan for your business needs.
  • There are 2 types of Loan on Credit Card available:
    • Insta Loan: This Loan amount is within your available Credit Card limit. Eg: If your Credit Card limit is Rs.1,50,000/-, your loan limit can be Rs.1,20,000 (limit depends on various criteria). If you have already spent Rs.50,000 then the maximum loan amount that you can get will be Rs.1,00,000/- which will be blocked against your remaining limit.
    • Jumbo Loan: This Loan amount is over and above your available Credit Card limit. Eg: If your Credit Card limit is Rs.4,00,000/-, your Loan limit can be Rs.4,00,000/- or more. You can also spend on your Credit Card as it will not block your Credit Card limit.
      (Click here to know more)
      (Refer question no.4 to know the steps to apply for Insta loan/Jumbo loan.)
    • SmartEMI: Convert large purchases on your HDFC Bank credit card into SmartEMI after the purchase and enjoy stress-free repayment. Enjoy attractive interest rates, among the lowest in the market.
  • Steps to convert your large purchases into SmartEMI using your HDFC Bank credit card.
    • Visit the link SmartEMI
    • Enter the mobile number registered with the Bank and Enter last 4 digit of your credit card
    • Enter the OTP
    • Choose the bill that needs to be converted into EMI
    • Select the tenure
    • Confirm & Re-authenticate using the OTP received on your registered mobile number.
  • Easy EMI: Convert your large purchases using your HDFC Bank Business credit card into EasyEMI during the purchase and pay into easy instalments.
  • Revolving Credit: Enjoy Revolving Credit on your HDFC Bank BizPower Credit Card at 3.60% monthly interest rate on revolving balance, refer Fees and Charges section
  • Zero Lost card liability: In the unfortunate event of losing your HDFC Bank BizPower Credit Card, on reporting it immediately to our 24-hour call centre, you have zero liability on any fraudulent transactions made on your Credit Card.
    Credit liability cover: Rs. 9 lakh
  • Customer care number:
    Toll Free: 1800 202 6161 / 1860 267 6161
    If you are travelling overseas, you can reach us at 022-6160660

More FAQs

  • Extended Credit free period Get upto 55 days of interest free Credit period on all your business expenses using BizBlack Credit Card
    • Core Earn Earn 5 reward points on all Spends of Rs.150 (excluding petrol, wallet, rent, education, EMI)
    • Accelerated Earn Get 5X reward points on a spend of more than Rs.50,000 per statement cycle capped at 7500 RP per statement cycle on Business spends such as
      • Telecom Utility payments via SmartPay PayZapp
      • Income Tax/ Advance Tax payment via eportal.incometax.gov.in View steps.
      • GST payment via payment.gst.gov.in view steps.
      • Productivity tools like Tally, Office 365, AWS, Google, Credflow, Kylas, Mailmodo, Canva, Azure via Nuclei and hotels powered by SmartBuy Biz Deals Click here
      • Flight and Hotel bookings via MMT My Biz powered by SmartBuy Biz Deals Click here
  • Welcome Benefit
    Get Club Marriott membership and Taj Stay voucher worth Rs.5000 on a spend of Rs. 1.5 Lakhs within 90 days of card issuance.
  • Milestone Benefit
    Get Flight voucher or Taj stay voucher worth Rs.5,000 on every Rs.5 Lakhs spends. Get vouchers worth upto Rs.20,000 on spend of Rs.20 Lakhs in a calendar year.
  • Avail Business Insurance package at an annual premium of Rs.3,785 (including GST)
  • Complimentary lounge access:
    Unlimited Airport lounge access to 1000+ Lounges globally for primary and add-on card members (only for active cards).
  • Other benefits:
    Enjoy complimentary Golf games across the finest courses in the world (6 per quarter) and Indulge in Fine Dining, Experience at Luxurious Spa. For booking assistance, call on the Tollfree no: 1800 118 887 (India) or on Landline - 022 42320226. Customers travelling overseas can call at Landline: 022-6171 7606
  • Enjoy the 24/7 exclusive Concierge Services on your HDFC Bank Biz Black Credit Card. Simply call us: toll-free on 1800 118 887 (India) / Landline - 022 42320226. Published on 29th Nov 2024
  • Get renewal fee waived off on a spend of more than Rs. 7.5 Lac in the previous year (12 Billing cycle).
  • First year fee will be waived off if customers spend 1.5 Lac in first 90 days of card issuance (Applicable only for fresh issuance in the first year only).

  • Swiggy Dineout:
    Indulge in mouth-watering discounts! Pay with your HDFC Bank Diners BizBlack Card and enjoy FLAT 10% EXTRA OFF* on dining bills at 35K+ restaurants!
  • Platform Benefits:
    SmartBuy- Get Upto 10X reward points on travel/online shopping on SmartBuy (Click here to know more)
    SmartBuy Biz Deals:
    • Get up to 40% discount on Business software like Tally, Office 365, AWS, Google Workspace, Credflow & more at SmartBuy Biz Deals -Nuclei platform (Click here to know more)
    • Get Upto 3% off on Domestic and International flight bookings and Upto 4% off on hotel bookings via MMT My Biz platform (Click here to know more)
      Utility Bill Payments via SmartPay and PayZapp:
      SmartPay:
    • Automate your bill payments on SmartPay using BizBlack credit card. You can then ensure that all your utility bills are paid on time, conveniently and easily.
    • Get assured cashback upto Rs. 1800 in the first year and exciting e-vouchers worth upto Rs.800 for adding 2 or more bills on Smart Pay. For more details click here.
  • Steps to register on SmartPay to automate your utility bill payments:
    Through Net Banking Login: BillPay & Recharge > Continue > Add Biller > Select Category > Enter Details and Enable Smartpay on Debit/Credit Card Or Cards> Credit cards> Smart Pay> Continue > Add Biller > Select Category > Enter Details and Enable Smartpay on Credit Card Through Mobile Banking Login Bill Payments > Add Biller > Select Biller Type> Enter Details and Enable Published on 29th Nov 2024 Smartpay on Credit Card
  • Through Mobile Banking Login
    Bill Payments > Add Biller > Select Biller Type> Enter Details and Enable Smartpay on Credit Card
  • PayZapp: Steps to register on PayZapp to make your utility bill payments:
    Download PayZapp on playstore/Apple store > Register with your mobile number, registered with HDFC Bank and enter your details > Verify the authentication code sent to your device and create 4-12 digit secure PIN > Link your Credit Card by entering your card details >
  • Steps to make bill payments via Payzapp: Select the Recharge/Bill Pay option > Choose from the mobile recharge or bill pay option of your requirement > Enter the mobile number or subscriber/Consumer ID > Select the Service Provider/Operator and enter the payment amount > Use linked Credit/Debit card to make your payment in one Click here to know more

  • Term Loan Facility: As per eligibility, you can avail term loan for your business needs.
  • There are 2 types of Loan on Credit Card available:
    • Insta Loan: This Loan amount is within your available Credit Card limit. Eg: If your Credit Card limit is Rs.1,50,000/-, your loan limit can be Rs.1,20,000 (limit depends on various criteria). If you have already spent Rs.50,000 then the maximum loan amount that you can get will be Rs.1,00,000/- which will be blocked against your remaining limit.
    • Jumbo Loan: This Loan amount is over and above your available Credit Card limit. Eg: If your Credit Card limit is Rs.4,00,000/-, your Loan limit can be Rs.4,00,000/- or more. You can also spend on your Credit Card as it will not block your Credit Card limit. (Click here to know more) (Refer question no.4 to know the steps to apply for Insta loan/Jumbo loan.)
  • SmartEMI: Convert large purchases on your HDFC Bank credit card into SmartEMI after the purchase and enjoy stress-free repayment. Enjoy attractive interest rates, among the lowest in the market.
    Steps to convert your large purchases into SmartEMI using your HDFC Bank credit card.
    • Visit the link SmartEMI
    • Enter the mobile number registered with the Bank and Enter last 4 digit of your credit card
    • Enter the OTP
    • Choose the bill that needs to be converted into EMI
    • Select the tenure
    • Confirm & Re-authenticate using the OTP received on your registered mobile number.
  • Easy EMI: Convert your large purchases using your HDFC Bank Business credit card into EasyEMI during the purchase and pay into easy instalments.
  • Revolving Credit: Enjoy Revolving Credit on your HDFC Bank BizBlack Credit Card at 1.99% monthly interest rate on revolving balance, refer Fees and Charges section.
  • Zero Lost card liability: In the unfortunate event of losing your HDFC Bank BizBlack Credit Card, on reporting it immediately to our 24-hour call centre, you have zero liability on any fraudulent transactions made on your Credit Card. Credit liability cover: Rs. 9 lakh Customer care number: Toll Free: 1800 266 3310/ 1860 267 6161 If you are travelling overseas, you can reach us at 022-6160660
  • Concierge service: Enjoy the 24/7 exclusive Concierge Services on your HDFC Bank BizBlack Credit Card. Simply call us: toll-free on 1800118887 (India) / Landline - 022 42320226.

More FAQs

  • Extended Credit free period

    Get upto 55 days of interest free credit period on all your business expenses using GIGA Business Credit Card.

  • Core Earn

    Earn 2 Cash Points on all Spends of Rs.150 (excluding petrol, wallet, rent, education, EMI)

  • Accelerated Earn

    Get 3X Cashpoints (i.e., 6 CP) on every Rs.150 spent on spends such as 

    • Business Digital Spends (Advertising, Accounting, Software license purchase, cloud hosting etc.)
    • Bill payments via Payzapp & SmartPay o Income tax payments https://eportal.incometax.gov.in/
    • GST payments via GST portal https://services.gst.gov.in/services/login
    • Productivity tools like Tally, Office 365, AWS, Google, Credflow, Kylas, Mailmodo, Canva, Azure via Nuclei powered by SmartBuy Biz Deals Click here
    • Flights and Hotels booking via MMT MyBiz powered by SmartBuy Biz Deals Click here
  • Fuel benefits

    1% Fuel Surcharge waiver on fuel transactions (Minimum transaction of Rs.400, Maximum transaction of Rs.5,000 & Maximum Cashback of Rs.250 per statement cycle)

  • Welcome/Activation Benefit

    Get OTT Play premium (one month subscription with access to OTT platforms like SonyLiv, Zee5, VRott etc.) on making your first transaction within 37 days of card issuance.

  • Milestone Benefit

    Earn 800 cashpoints every month on monthly spend of Rs.50,000

  • Dining benefits:

    Get up to 10% discount on your dining bills with Swiggy-Dineout by paying via Swiggy App. Click here to know more

  • Offer on Partner brands

    Discounts on purchases on GIG special merchant program on gig-related spends

    WeWork | 42 Courses | LegalWiz | Harappa by Upgrad | Zoho

    Click here to know more.

  • Get annual renewal fee waived off on a spend of Rs.50,000 in the previous year.

Swiggy Dineout
Get up to 10% savings off on all your restaurant bill payments via Swiggy Dineout (20,000+ restaurants), Offer inclusive of Restaurant and Swiggy Discount. Offer valid only on payments done Swiggy App. Click here to know more

Platform Benefits

SmartBuy
Get Upto 10% cashback on travel/online shopping on SmartBuy. Click here to know more.

SmartBuy BizDeals

  • Get upto 40% discounts on Business software like Tally, Office 365, AWS, Google Workspace, Credflow & more at SmartBuy Biz Deals -Nuclei platform (https://smartbiz.gonuclei.com/)
  • Get Upto 3% off on Domestic and International flight bookings and Upto 4% off on hotel bookings via MMT My Biz platform. Click here to know more.

Utility Bill Payments:
Make all your utility bill payments Via SmartPay & Payzapp and avail 6 cashpoints for every Rs.150 spent.

SmartPay:

  • Automate your bill payments on SmartPay using HDFC GIGA Business credit card. You can then ensure that all your utility bills are paid on time, conveniently and easily.
  • Get assured cashback upto Rs. 1800 in the first year and exciting e-vouchers worth upto Rs.800 for adding 2 or more bills on Smart Pay. For more details click here.
  • Steps to register on SmartPay to automate your utility bill payments:
    Through Net Banking Login:
    BillPay & Recharge > Continue > Add Biller > Select Category > Enter Details and Enable SmartPay on Debit/Credit Card Or Cards> Credit cards> Smart Pay> Continue > Add Biller > Select Category > Enter Details and Enable Smartpay on Credit Card Through Mobile Banking Login Bill Payments > Add Biller > Select Biller Type> Enter Details and Enable SmartPay on Credit Card.
    Through Mobile Banking Login
    Bill Payments > Add Biller > Select Biller Type> Enter Details and Enable Smartpay on Credit Card
  • PayZapp
    Steps to register on PayZapp to make your utility bill payments

    Download PayZapp on Playstore/Apple store > Register with your mobile number, registered with HDFC Bank and enter your details > Verify the authentication code sent to your device and create 4–12-digit secure PIN > Link your Credit Card by entering your card details


    Steps to make bill payments via Payzapp

    Select the Recharge/Bill Pay option > Choose from the mobile recharge or bill pay option of your requirement > Enter the mobile number or subscriber/Consumer ID > Select the Service Provider/Operator and enter the payment amount > Use linked Credit/Debit card to make your payment in one click
    Click here to know more

Term Loan Facility:As per eligibility, you can avail term loan for your business needs.

There are 2 types of Loan on Credit Card available:

  1. Insta Loan: This Loan amount is within your available Credit Card limit. Eg: If your Credit Card limit is Rs.1,50,000/-, your loan limit can be Rs.1,20,000 (limit depends on various criteria). If you have already spent Rs.50,000 then the maximum loan amount that you can get will be Rs.1,00,000/- which will be blocked against your remaining limit.
  2. Jumbo Loan: This Loan amount is over and above your available Credit Card limit. Eg: If your Credit Card limit is Rs.4,00,000/-, your Loan limit can be Rs.4,00,000/- or more. You can also spend on your Credit Card as it will not block your Credit Card limit.

(Click here to know more)

(Refer question no.4 to know the steps to apply for Insta loan/Jumbo loan.)

SmartEMI: Convert large purchases on your HDFC Bank credit card into SmartEMI after the purchase and enjoy stress-free repayment. Enjoy attractive interest rates, among the lowest in the market.

Steps to convert your large purchases into SmartEMI using your HDFC Bank credit card.

  1. Visit the link SmartEMI
  2. Enter the mobile number registered with the Bank and Enter last 4 digit of your credit card
  3. Enter the OTP
  4. Choose the bill that needs to be converted into EMI
  5. Select the tenure
  6. Confirm & Re-authenticate using the OTP received on your registered mobile number.

Easy EMI: Convert your large purchases using your HDFC Bank GIGA Business credit card into EasyEMI during the purchase and pay into easy instalments.

Revolving Credit: Enjoy Revolving Credit on your HDFC Bank GIGA Business Credit Card at 3.75% monthly interest rate on revolving balance, refer Fees and Charges section

Zero Lost card liability: In the unfortunate event of losing your HDFC Bank GIGA Business Credit Card, on reporting it immediately to our 24-hour call centre, you have zero liability on any fraudulent transactions made on your Credit Card. Credit liability cover: Rs. 3 lakh

Customer care number:
Toll Free: 1800 202 6161 / 1860 267 6161
If you are travelling overseas, you can reach us at 022-6160660

More FAQs

Detailed Product Features & T&Cs

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