What is the HDFC Giga Business Credit Card primarily designed for?

The HDFC Giga Business Credit Card is designed for freelance professionals and independent contractors, offering valuable rewards on business spending.

What are the joining and renewal fees for the HDFC Giga Business Credit Card?

The HDFC Giga Business Credit Card has a joining fee of ₹500 + Applicable Taxes / GST and a renewal fee of ₹500 + Applicable Taxes / GST.

How can I get a waiver on the renewal fee for my HDFC Giga Business Credit Card?

The renewal fee for the HDFC Giga Business Credit Card is waived if you spend ₹50,000 or more in an anniversary year (12 billing cycles).

What kind of rewards can I earn with the HDFC Giga Business Credit Card?

With the HDFC Giga Business Credit Card, you earn Cash Points: 2 per ₹150 on general spends and 6 per ₹150 on specific business spends like digital advertising.

Does the HDFC Giga Business Credit Card offer airport lounge access?

No, the HDFC Giga Business Credit Card does not offer any complimentary domestic or international airport lounge access.

What is the foreign currency markup on the HDFC Giga Business Credit Card?

The HDFC Giga Business Credit Card has a foreign currency markup of 3.5% on international spends.

How can I redeem Cash Points earned with my HDFC Giga Business Credit Card?

Cash Points from the HDFC Giga Business Credit Card can be redeemed for cashback, flights/hotels via SmartBuy, or against products and business catalogues.

Are there any milestone benefits with the HDFC Giga Business Credit Card?

Yes, with the HDFC Giga Business Credit Card, you earn 800 Bonus Cash Points on monthly spends of ₹50,000 or more, excluding fuel and rent.

Who is eligible to apply for the HDFC Giga Business Credit Card?

To be eligible for the HDFC Giga Business Credit Card, applicants must be self-employed Indian citizens, aged 21-65, with an annual ITR above ₹4 Lakhs.

What are the key benefits for dining with the HDFC Giga Business Credit Card?

The HDFC Giga Business Credit Card offers up to a 7.5% discount on dining bills with Swiggy-Dineout when paid via the Swiggy App.

HDFC Bank

HDFC Giga Business Credit Card

BusinessUtilitiesInternational Spends

Last updated: 26 October 2025

Benefits & Features

Explore key benefits designed to maximize your lifestyle

Welcome Offer

Get OTT Play Premium (1-month subscription) on making your first transaction within 37 days.

Rewards Rate

Earn 2 Cash Points per ₹150; 6 Cash Points per ₹150 on specific business spends.

Reward Type

Reward Points

Reward Redemption

Redeem Cash Points for cashback (₹0.25/CP), travel, products, or business catalogue (up to ₹0.30/CP).

Domestic Lounge Access

Not Applicable

International Lounge Access

Not Applicable

Insurance Coverage

Credit liability cover of ₹3 Lakh is provided.

Movie

Get OTT Play Premium (1-month subscription) on making your first transaction.

Dining

Up to 7.5% discount on dining bills with Swiggy-Dineout via the Swiggy App.

Travel Benefits

Accelerated points on MMT MyBiz bookings; up to 10% cashback on travel via SmartBuy.

What matters, explained clearly

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Frequently Asked Questions

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