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HDFC Bank
HDFC Bank GIGA Business Credit Card
Visa
HDFC Bank GIGA Business Credit Card
HDFC's most accessible business card, rewarding digital business payments, GST and income-tax payments — a genuinely useful starter card for formalizing small-business tax and utility payments, though general spend earns thin rewards.
Rates and fees last verified 15 July 2026.
Annual fee
₹500
Joining fee
₹0
Reward type
cashback
Base reward rate
1%
Card network
Visa
Card tier
Entry
Benefits by category
- 🧾 Utilities
3% reward rate (capped ₹500/monthly)
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹15,000
- Employment: self-employed
- Age: 21–65
Benefits
- Welcome CashPoints on card activation
- Monthly milestone rewards on business spend
- Zero lost-card liability with credit liability cover up to ₹3 lakh
Pros
- + Rewards GST/income-tax and utility payments
- + Low, easily-waived annual fee
- + ₹3 lakh lost-card liability cover
Cons
- − Base reward rate on general spend is low
- − Entry-level perks only, no lounge access