Enjoy up to 55 days of interest-free credit period
800 Bonus CashPoints on monthly spends of ₹50,000
3X CashPoints on every ₹150 spent on select Business Spends*
1% fuel surcharge wavier
*3X Cashpoints on every Rs.150 spent on Business Digital Spends (advertising, Software licence purchase, cloud hosting software etc), Bill Payments via Payzapp & SmartPay, Income tax & GST Payments & SmartBuy BizDeals
Attractive reward program
Low-cost, easy EMI options
Revolving credit facility
Fuel surcharge waiver across India
Easy application - Streamlined application process for the GIGA Business Credit Card while opening your GIGA account
Attractive rewards - Avail 3X CashPoints on business digital spends (advertising, accounting, software license purchase, cloud hosting etc), Utility bill payments via SmartPay & Payzapp, Income tax & GST payments, Travel benefit & Software purchase via SmartBuy BizDeals and offer on partner brands , 2 CashPoints on all other spends and 800 bonus CashPoints on spends of ₹ 50,000 every month.
Partner discounts - Discounts on payments to local and international offer partners on gig-related spends such as co-working space, accounting software, legal advice, learning and development, etc. Click here to know more
Flexible loan and repayment - Business loans and revolving credit can be availed against the credit card. You can convert all major credit card spends to easy EMIs. You can repay at a low cost using HDFC Bank easy EMIs
Easy reward redemption - CashPoints can be redeemed as cashback against the statement). Explore the exclusive business rewards redemption catalogue via Netbanking. You can also buy products and vouchers via the product catalogue on NetBanking & SmartBuy portal
Liability covers - Lost card coverage includes zero liability on fraudulent purchases. The misplaced or lost card must be reported to the 24-hour HDFC Bank call centre.
Credit liability cover: ₹ 3 lakh
Utility payments - Easy utility bill payments through HDFC Bank’s utility bill payment service, SmartPay. Cashbacks of up to ₹1,800 and e-vouchers worth up to ₹800 to be earned. Find out more!
Nominal fee and charges - Enjoy the ideal gig worker credit card experience at a nominal joining/renewal fee of ₹ 500 (taxes additional and as applicable). Renewal Fee Waiver on spending Rs. 50,000 or more in the previous anniversary year.
Access your GIGA Business Credit Card 24/7, on the go, through our HDFC Bank MyCards platform (https://mycards.hdfcbank.com/).
For more details, click here.
Eligibility Criteria & Documentation
An Indian citizen who is self-employed and is between the ages of 25 and 65
Self-employed individual with minimum 2 years in same Business line
12 months bank statement & Income Tax Return (ITR)
Now apply for the GIGA Business Credit Card backed by a FD (No credit score or income proof needed!)
Why choose an FD-backed Credit Card?
*Credit Card limit starts from ₹30,000
Now apply for a GIGA Business Credit Card online from the ease of your home. All you need to do is click here and follow the steps.
Dining Benefits:
Swiggy Dineout provides you with exciting offers on a plethora of restaurants, exclusive discounts on buffets, complimentary dishes & a lot more.
Save up to 7.5% on your dining bills paid through Swiggy Dineout using your HDFC Bank GIGA Business Credit Card.
1% Fuel Surcharge Waiver:
1% Fuel Surcharge waiver on fuel transactions (Minimum transaction of ₹ 400, Maximum transaction of ₹ 5,000 & Maximum Cashback of ₹ 250 per statement cycle)
The rate of surcharge may vary depending on the fuel station and their acquiring bank. GST is as applicableThe rate of surcharge may vary depending on the fuel station and their acquiring bank. GST is as applicable.
Utility Bill Payments:
Register your Credit Card with SmartPay, HDFC Bank's Utility Bill payment service. You can then ensure that all your utility bills are paid on time, conveniently and easily. 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.
Here's how you register for SmartPay payments.
Milestone Benefits:
Monthly 800 Bonus CashPoints on spending ₹ 50,000 per month.
Redemption against the Statement Balance:
Redemption against My Rewards Product Catalogue:
Redemption against Business Catalogue:
The list of merchants for redemption include Cleartax, Wework, Greythr, Microsoft office, Tally, Amazon for Business, Google ads by MeDigits, Meta Ads by MeDigits and more
Redemption against Smartbuy Rewards portal:
The membership fee will be waived on spends of ₹ 50,000 in the previous anniversary year. Cash on Call, Balance Transfer, and Cash Withdrawal transactions are not eligible.
The HDFC Bank GIGA Business Credit Card is enabled for contactless payments, facilitating fast, convenient and secure payments at retail outlets (Check for the contactless network symbol on the card plastic)
Please note that in India, payment through contactless mode is allowed for a maximum of ₹ 5,000 for a single transaction where you are not asked to input your Credit Card PIN. However, if the amount is higher than or equal to ₹ 5,000, the cardholder has to enter the Credit Card PIN for security reasons.
Manage your HDFC Bank Credit Card through HDFC Bank MyCards.
Now access your HDFC Bank GIGA Business Credit card 24/7 on the go with our HDFC Bank MyCards platform (https://mycards.hdfcbank.com/ )
For more details, click here.
Easily monitor and control your Credit Card Spends through HDFC Bank MyCards.
Call the Credit Cards Customer Service, and report your card stolen or lost. Other services like change of contact number, address, etc., can also be done through Customer Service. You can also log into your NetBanking account and report your card lost or stolen.
In case you recover the card after having reported a loss, you need to cut it into four pieces diagonally and across the chip embedded in the card.
Customer care number: Toll Free: 1800 1600 / 1800 2600. If you are travelling overseas, you can reach us at +91 22 6160 6160