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HDFC Bank GIGA Business Credit Card

Keep the hustle going with HDFC Bank GIGA Business Credit Card

Enjoy offers, earn CashPoints and spend flexibly with the GIGA Business Credit Card by HDFC Bank
Enjoy offers, earn CashPoints and spend flexibly with the GIGA Business Credit Card by HDFC Bank

*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

Enjoy tailormade features to suit gigsters business spends

Attractive reward program

Attractive reward program

Low-cost, easy EMI options

Low-cost, easy EMI options

Revolving credit facility

Revolving credit facility

Fuel surcharge waiver across India

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/).

  • Enable: Online and contactless usage
  • View: Transaction, reward points, statements & more
  • Manage: Online usage, contactless usage, set limits, enable & disable
  • Check: Credit card outstanding, due date and more

For more details, click here.

Eligibility criteria
  • An Indian citizen who is self-employed and is between the ages of 21 and 70

    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

    Self-employed individual with minimum 2 years in same Business line

DOCUMENTS REQUIRED

  • 12 months bank statement   
  • Income Tax Return (ITR)

FREQUENTLY ASKED QUESTIONS

  • Get Up to 55 days of Interest-free credit period.
  • Earn 2 CashPoints per ₹ 150 spends on your everyday spends (except Fuel, Rent, Education, EMI and Wallet)
  • 3X CashPoints on every ₹ 150 spent on Business Digital Spends(advertising, accounting, software license purchase, cloud hosting etc), Bill payments via SmartPay & Payzapp, Income tax & GST payments and Travel benefits & Software purchase via SmartBuy BizDeals

Now apply for your GIGA Business Credit Card while opening your GIGA account! Click ‘here’ to open your GIGA account.

  • Discounts from top local and international offer partners relevant to your work- on co-working spaces, learning & development, accounting software, legal advice, and more. Know more about our offers
  • Higher redemption on CashPoints on Business Redemption Catalogue
  • Earn 3X CashPoints CP (6 CashPoints per ₹ 150) on Business digital spends (like 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.

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.

  • Loan on your card for business needs: As per eligibility, you can avail loan on your card for your business needs. Click here to know more.
  • EMI conversion: Convert all your big spends into EMI on purchases and also avail low-cost EMI options with HDFC Bank Easy EMI. Click here to know more.
  • Smart EMI conversion: Convert all your big monthly spends into EMI after purchase and pay easily using Smart EMI. Click here to know more.
  • 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 that you lose your HDFC Bank GIGA Business Credit Card, report it immediately to our 24-hour call centre. After reporting the loss, you have zero liability for any fraudulent transactions made on your card. Credit liability cover: Rs. 3 lakh

 

Milestone Benefits:

Monthly 800 Bonus CashPoints on spending ₹ 50,000 per month.

  • CashPoints will be accrued for a minimum transaction of ₹ 150.
  • Illustration of CashPoints components Calculation CashPoints :
    • 2 CashPoints for other retail spends (except fuel, wallet & EMI) of ₹ 12,500; 12,500*2/150 = 167 CP
    • 6 CashPoints for Business digital spends, Bill payments, Tax payments, Travel and Software purchase from SmartBuy BizDealsof ₹ 37,500; 37,500*6/150 = 1500 CP
    • 800 Bonus CashPoints for ₹ 50,000 monthly spends
    • Total CashPoints - _2,467 CashPoints for ₹ 50,000 monthly spends

Redemption against the Statement Balance:

  • CashPoints can be redeemed by you against the statement balance (on request only)
  • The redemption against the statement balance will be at the rate of 1 CashPoint = ₹0.25
  • The minimum CashPoints balance required for redemption against the statement balance is 2500 CashPoints.

Redemption against My Rewards Product Catalogue:

  • CashPoints can easily be redeemed for exciting gifts from our product catalogue, at the applicable redemption rate of 1 CashPoint= Up to ₹ 0.25
  • To redeem your cashpoints against product catalogue via Net Banking: Login to Net Banking Cards > Enquire > Redeem Cashpoints > Select your card and Continue > Redeem Cashpoints > Product Catalogue> Select any product of your choice and click add to card> Buy Now.
  • To redeem your cashpoints against product catalogue via SmartBuy: Visit SmartBuy website> Login > Privileges > Select your card > Rewards > Select the voucher of your choice > Choose the required Quantity and Select Checkout now > Select Redeem points > Enter the voucher code received via email/SMS and select confirm.

Redemption against Business Catalogue:

  • Cash Points can also be used for redemption against selected merchants at a value of 1 Cash Point= Up to Rs. 0.30.
  • To redeem your cashpoints against business catalogue via NetBanking. ​
    Login NetBanking > Cards > Select your credit card > Under Actions Click on Redeem Reward Points > Insta Vouchers > Click on Menu> Business > Click on redeem ​

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:

  • CashPoints can also be used for redemption against travel benefits like Flight & Hotel bookings and Rewards Catalogue at the SmartBuy Rewards Portal, at a value of 1 Reward Point = Up to ₹ 0.25.
  • Flights and Hotels redemption, Credit Card members can redeem up to a maximum of 50% of the booking value through CashPoints. The rest of the transaction amount will have to be paid via the Credit Card limit
  • Unredeemed CashPoints will expire/lapse after 2 years of accumulation

  • CashPoints are valid only for 2 years from the date of accumulation. For instance, if you receive CashPoints in May 2023, the same will expire in May 2025.

  • A membership fee/ Renewal fee of ₹ 500 /- + Taxes is applicable on HDFC Bank GIGA Business Credit Card.
  • Membership fee will be levied on or after 90 days of Card issuance.
  • The Membership fees may vary for each card member and from offer to offer. The same is communicated to the card member at the time of applying for the Credit Card.
  • A renewal Fee shall be levied at the start of every anniversary year if the card does not meet the renewal fee waiver condition

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/ )

  • Enable: online & contactless usage
  • View: Transaction, CashPoints, Statements & more.
  • Manage: online usage, contactless usage, set limits, enable & disable
  • Check: Credit card outstanding, due date and more

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

Customers can pay the credit card bill via the following options.
 For details, Visit 

  1. Mobile Banking App
  2. NetBanking
  3. ATM Funds Transfer
  4. Cash
  5. Cheque
  6. Auto-Pay
  7. From a non-HDFC Bank account

Customer Touch Points:

Customers can contact us via list of options.
 For details, Visit