Enjoy the best Debit Card privileges and features with the GIGA Business Debit Card
Enjoy the best Debit Card privileges and features with the GIGA Business Debit Card
Round-the-clock cash and payment card
Attractive CashBack program to help your gig grow
Gig-related discounts and offers
Complimentary insurance coverage up to ₹10 Lakh*
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Exclusive offers to help your gig grow
CashBack of up to ₹500 in a month on gig-related spends
5% CashBack on PayZapp and SmartBuy transactions
4 domestic airport lounge access every year
2.5% CashBack points on every ₹250 spent on categories like SaaS, education, restaurant, air tickets, etc. Get 1% CashBack on other spends (except govt, services, insurance)
5% CashBack on PayZapp and SmartBuy transactions
Discounts on gig-related products and services purchased from Zoho, 42 Courses, Harappa, LegalWiz, and a host of other merchants
Easily turn your GIGA Business Debit Card on & off for international transactions. Enjoy international spends and withdrawals safely with the encrypted card
A GIGA Savings Account by HDFC Bank is all you need
No additional documentation is required for GIGA Savings Account customers.
| Particulars | Fees/Charges |
| Annual fees | ₹250 + taxes |
| Replacement/Re-issuance fees | ₹200 + applicable taxes |
| ATM PIN generation | Free |
| Usage Charges | Railway Stations: ₹30 per ticket + 1.80% of the transaction amount. IRCTC: 1.80% of the transaction amount |
Click here for T&Cs.
For security reasons, if you insert a wrong PIN three times at an ATM, your card access will be blocked, and will only be enabled after 24 hours. Once enabled, you can use your Debit/ATM Card with the same PIN. If your account is still inaccessible, you can also apply for a new PIN.
Steps to apply for a new ATM/Debit PIN:
Fill out the new PIN application and drop it off at any of our locations. Following receipt of the form and successful verification, HDFC Bank will generate a new ATM PIN and send it to your registered mailing address.
You can then submit a request through PhoneBanking after validating your Telephone Identification Number (TIN).
Still have questions? Click here.
According to the Reserve Bank of India’s (RBI) regulation, all online card transactions must have a second level of authentication. To execute an online purchase, the card must be registered for Verified by Visa (VBV) or Mastercard SecureCode. Only Verified Visa or Mastercard Secure Code-enabled websites are allowed to conduct transactions.
If you have not registered for the service yet, you will be requested to do so while completing an online transaction on these websites. Post-registration, you can fill out the relevant information and complete the transaction. You can also use this page to register your card for Verified by Visa or Mastercard SecureCode.
Yes, you can use your GIGA Business Debit Card to transact with all online retailers who display the Verified by Visa or Mastercard SecureCode certification on their websites.
To know more about using your GIGA Business Debit Card for online transactions, click here.
If your card is not working due to a technical issue, contact us through Phone Banking or visit an HDFC Bank branch to hotlist or block your card. You can also get a new card, which will be free of charge and delivered to you within seven working days once issued.
To know more about Phone Banking numbers and their timings, click here.
To get the complete list of branches, click here.
With these simple steps, you can enable international usage on your GIGA by HDFC Bank Business Debit Card:
To modify daily international usage on a GIGA Business Debit Card, follow these steps:
Listed below are the applicable transaction fees on your GIGA Business Debit Card for:
Do keep in mind that in other merchant locations, there are no transaction costs. However, you should also remember that according to the current Finance Bill, these costs, if applicable, are subject to Service Tax and a Swachh Bharat Cess.
Not applicable for the transactions done on HDFC Bank swipe machines (POS) at government petrol outlets (HPCL/ IOCL/ BPCL)
Yes, we recommend that you contact HDFC Bank via Phone Banking (available 24/7), where you can instantly Hotlist your card and apply for a new one. You can also submit a formal request to have your ATM/Debit Card hotlisted and re-issued at your local branch. GIGA Business Debit Card Replacement/Re-issuance Fees: ₹200 + applicable taxes (as of December 1, 2016).
To have your card hotlisted, click here.
In the case of any transaction issue, always submit a signed copy of the CDF, which includes all required facts of the disputed transaction(s) and the precise cause of the dispute. Doing so will help you and the Bank in initiating an accurate enquiry with the particular Merchant/Member Bank.
You can access the cardholder dispute form here.
NOTE: You can also send us a detailed email at [email protected] containing all necessary information and supporting documents (if any) as listed in the CDF.
It takes seven days from the dispute receipt to resolve such disputes.
A transaction dispute must be reported in writing within 30 days of the transaction date.
You need to submit the following documents along with the duly filled CDF.
Transaction type |
Documents to attached |
Transaction declined, but funds are debited from the account. |
Void charge-slip OR email/letter from merchant confirming transaction not completed. |
Amount debited but payment made through an alternate mode. |
Proof of payment by an alternate mode. |
Excess amount debited. |
Proof of actual amount authorised/agreed with the merchant. |
Transaction cancelled, but refund from merchant not credited / Damaged goods/ Quality of the product or services is not as agreed. |
Cancellation confirmation from the merchant/ refund confirmation. |
For e-commerce transactions, it is strongly advised that you check if the amount has already been credited /adjusted into your e-wallet or subscriber account.
For a more rapid resolution, it is strongly advised that you first contact the merchant to discuss and resolve any service-related concerns. If all attempts to resolve the dispute with the merchant have failed, you may contact the Bank via Phone Banking to clarify the nature of the dispute. You can also send relevant supporting documents concerning failed/disputed transactions to [email protected] OR submit the same to your nearest HDFC Bank branch.
The transactions listed below are classified as service disputes:
Resolving such transactions takes approximately 45 to 120 days from the dispute receipt, depending on the dispute resolution cycle of the relevant franchise (e.g., Mastercard, RuPay, Diners, Visa, etc.).
To check the status of your applied Debit/ATM card, call our PhoneBanking number or drop by an HDFC Bank branch near you.
You can avail 4 domestic airport lounge access every year if you spend INR 5000 in the previous calendar quarter.