Fees read from issuer pageUpdated 2026-07-28
HDFC Bank
GIGA Business Credit Card
₹500 a year
LineBusiness & commercial
Joining fee₹500
Annual fee₹500
Forex markupNot stated
Rewards, as stated by the issuer
- 2 CashPoints per ₹200 spent on general business expenses
- 6 CashPoints per ₹200 spent on Business digital spends, Bill Payments, Income Tax and GST payments
- Get Bonus 800 Cash Points on spending ₹50,000 every month
- Up to ₹1,800 CashBack in the first year & e-vouchers worth ₹800
Other benefits
- Avail Business Loan on card for business needs with Flexible Loan and repayment
- Up to 55 days Extended Interest-Free Credit Period
- Exclusive savings on hotel & flight bookings via SmartBuy BizDeals
- Get up to 7.5% discount on your dining bills with Swiggy-Dineout by paying via Swiggy App
- 1% Fuel Surcharge Waiver at all fuel stations across India
- Discounts on partner brands under the GIG Special Merchant Program
- Exclusive deals on business productivity tools
- Avail comprehensive suite of benefits and offers, designed to enhance the efficiency of your business processes and improve your bottom line, offered by our network partners.
- Visa: Visa Commercial Credit Card Offers
- Mastercard: https://easysavingsspecials.com/
- Get up to 10% discount on your dining bills with Swiggy-Dineout by paying via Swiggy App
- Loan on card: Avail EMI & Loan on card for business needs with Flexible loan and repayment - Business loans and revolving credit can be availed of 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
- SmartPay Benefits: 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
- Steps to enable SmartPay on Netbanking:
- 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 Debit/Credit Card> Choose GIGA Business Credit Card
- Steps to enable SmartPay on Mobile Banking:
- Bill Payments > Add Biller > Select Biller Type> Enter Details and Enable Smartpay on Debit/Credit Card > Choose GIGA Business Credit Card
- SmartBuy Benefits: Get Upto 10% Cash Back on travel/online shopping on SmartBuy
Welcome & milestones
Welcome
- Get a ₹250 gift voucher on your first transaction within 37 days
Milestones
- Get Bonus 800 Cash points on monthly spend ₹50,000 every month
- Redeem your cashpoints as cashback against statemen
- (1 CashPoints = Rs.0.25
Lounge access
No airport lounge rule is listed on this card's page.
Eligibility
Age
- Unredeemed Cash Points will expire/lapse after 2 year of accumulation
- Spend Rs. 50,000 in an anniversary year (12 billing cycles) and get Renewal Fee waived for next renewal year
Income
- Annual ITR above Rs 4 Lakhs (Customers can apply credit card using ITR, GST returns)
Every fee line found on the page
- HDFC Bank GIGA Business is the card that keeps your hustle going with best-in-class Cash points program, giving you savings Upto Rs.53,000 annually on your GIG expenses.
- 1% Fuel Surcharge Waiver at all fuel stations across India.
- Get 1% fuel surcharge waiver at all fuel stations across India
- Annual ITR above Rs 4 Lakhs (Customers can apply credit card using ITR, GST returns)
- Joining/Renewal Membership Fee – Rs. 500/- plus Applicable Taxes
- Spend Rs. 50,000 in an anniversary year (12 billing cycles) and get Renewal Fee waived for next renewal year
- Savings Upto Rs.59,000 annually*