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Get the HDFC Bank Giga Business Credit Card on Bajaj Markets and earn CashPoints on business spends, bill payments, tax payments, and digital business expenses.
Last updated on: Sep 10, 2026
The HDFC Bank Giga Business Credit Card offers business-focused benefits such as SmartEMI, loan-on-card facilities, fuel surcharge waivers, and cashback redemption options to help you manage day-to-day business expenses more efficiently.
The Giga Business Credit Card is a business credit card designed for self-employed professionals and business owners. It helps you manage business expenses while earning CashPoints on eligible transactions, including business digital spends, bill payments, GST payments, and income tax payments.
The card comes with benefits such as an extended interest-free credit period of up to 55 days, SmartEMI and EasyEMI facilities, fuel surcharge waivers, business loan options, and rewards on regular business spending. It also offers milestone rewards, cashback redemption options, and exclusive savings through SmartBuy BizDeals and partner merchant programmes.
Here are the key features of the HDFC Bank Giga Business Credit Card:
| Key Features | Description |
|---|---|
Joining Fee |
₹500 + applicable taxes |
Renewal Fee |
₹500 + applicable taxes |
Suitable For |
Self-employed individuals and business owners |
Welcome Benefit |
₹250 gift voucher on the first transaction within 37 days of card issuance |
Interest-free Credit Period |
Up to 55 days |
Base Rewards |
2 CashPoints for every ₹200 spent on eligible business expenses (Effective from 15th May 2026) |
Business Financing |
Loan-on-card facility and EMI conversion options |
Disclaimer: The fees and benefits mentioned above are subject to change at the issuer’s discretion. Check the issuer’s official website before applying.
The HDFC Bank Giga Business Credit Card offers rewards and benefits tailored to the spending needs of business owners and self-employed professionals.
Here are the benefits and features of the HDFC Bank GIGA Business Credit Card:
| Benefit Category | Details |
|---|---|
Welcome Benefit |
Get a ₹250 gift voucher on making your first transaction within 37 days of card issuance |
Reward Benefits |
Earn 2 CashPoints for every ₹200 spent on general business expenses (Effective from 15th May 2026) |
Accelerated Rewards |
Earn 6 CashPoints per ₹200 spent on eligible business digital spends, bill payments, income tax payments, and GST payments |
Monthly Milestone Benefit |
Get 800 Bonus CashPoints on monthly spends of ₹50,000 |
Cashback Redemption |
Redeem CashPoints as statement cashback, subject to applicable redemption terms |
Business Benefits |
Avail a business loan on your card with flexible borrowing and repayment options |
Interest-free Credit |
Enjoy an interest-free credit period of up to 55 days |
SmartPay Benefits |
Get assured cashback of up to ₹1,800 in the first year and e-vouchers worth up to ₹800 by adding eligible bills on SmartPay |
SmartBuy BizDeals Benefits |
Enjoy savings on hotel and flight bookings through SmartBuy BizDeals |
Dining Benefits |
Get up to 10% discount on dining bills through Swiggy Dineout when paying via the Swiggy app |
Fuel Surcharge Waiver |
1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, up to ₹250 per statement cycle |
Merchant Benefits |
Access discounts on partner brands through the GIG Special Merchant Program |
Productivity Benefits |
Enjoy exclusive deals on business tools, including Tally, Microsoft Office 365, AWS, Google, Azure, Credflow, and other business solutions |
EMI Benefits |
Convert eligible purchases into EasyEMIs during purchase or into SmartEMIs after the transaction |
Travel Benefits |
Get cashback and savings on eligible travel bookings through SmartBuy |
Card Security Benefits |
Enjoy zero lost card liability when you promptly report the loss of your card |
Credit Liability Cover |
Get credit liability cover of up to ₹3 Lakhs |
Here are the fees and charges applicable to the HDFC Bank GIGA Business Credit Card:
| Fee Type | Charges |
|---|---|
Joining Fee |
₹500 + applicable taxes |
Renewal Fee |
₹500 + applicable taxes |
Renewal Fee Waiver |
Spend ₹50,000 in an anniversary year (12 billing cycles) |
Finance Charges |
3.75% per month (45% per annum) |
Cash Advance Fee |
2.5% of the withdrawn amount or ₹500, whichever is higher |
Foreign Currency Mark-up Fee |
3.5% of the transaction value |
Dynamic Currency Conversion (DCC) Fee |
1.75% on eligible international transactions carried out in Indian Rupees (Effective from 15th May 2026) |
Card Re-issuance Fee |
₹199 for non-metal card variants (Effective from 15th May 2026) |
CashPoints Redemption Threshold |
Minimum 250 CashPoints required for cashback redemption |
Disclaimer: Fees and charges may change based on updates by the issuer. Check the latest charges applicable as per the Most Important Terms and Conditions (MITC).
Before applying, ensure you meet the issuer's eligibility requirements. Here are the eligibility criteria for the HDFC Bank Giga Business Credit Card:
| Criteria | Requirement |
|---|---|
Nationality |
Indian |
Employment Type |
Self-employed |
Age |
25 to 65 years |
Income Requirement |
Annual ITR above ₹4 Lakhs |
You need to submit relevant documents to complete your credit card application. Here are the documents generally required for the HDFC Bank Giga Business Credit Card:
| Document Type | Accepted Documents |
|---|---|
Identity Proof |
PAN Card, Aadhaar Card, Passport, Voter ID, Driving Licence |
Address Proof |
Aadhaar Card, Passport, Voter ID, Utility Bills, Rental Agreement |
Income Proof |
Income Tax Returns (ITR), GST Returns, Bank Statements, other income-related documents as required by the bank |
Business Proof |
Business-related documents as requested during the verification process |
Photograph |
Recent passport-size photograph, if required |
Note: The issuer may ask for additional documents depending on your business profile and eligibility assessment.
You can apply for the HDFC Bank Giga Business Credit Card online through Bajaj Markets in a few simple steps.
Here are the steps to apply:
Click on the ‘Check Card Offer’ button on this page
Enter your mobile number, date of birth, and occupation
Verify your details using the OTP sent to your registered mobile number
Review the pre-filled information, including your PAN, email ID, PIN code, and income details
Select the HDFC Bank Giga Business Credit Card from the available card options
Complete the remaining application process as instructed on the next page
Make the most of your HDFC Bank Giga Business Credit Card with rewards on business expenses, travel bookings, bill payments, and milestone spends.
Get rewarded when you start using your card.
| Offer | Eligibility |
|---|---|
₹250 gift voucher redeemable on brands such as Amazon, Swiggy, and OTT Play Premium |
Make your first transaction within 37 days of card issuance |
Earn accelerated CashPoints on eligible business spends.
| Spend Category | Reward |
|---|---|
General Business Expenses |
2 CashPoints per ₹200 spent |
Business Digital Spends |
6 CashPoints per ₹200 spent |
Bill Payments via PayZapp and SmartPay |
6 CashPoints per ₹200 spent |
Income Tax Payments |
6 CashPoints per ₹200 spent |
GST Payments |
6 CashPoints per ₹200 spent |
Get additional rewards on achieving monthly spending milestones.
| Offer | Eligibility |
|---|---|
800 Bonus CashPoints |
Spend ₹50,000 in a month |
Enjoy cashback and voucher benefits through eligible bill payments.
| Offer | Benefit |
|---|---|
SmartPay Benefits |
Assured cashback of up to ₹1,800 in the first year and e-vouchers worth up to ₹800 on adding eligible bills |
Save on business travel and dining expenses.
| Offer Category | Benefit |
|---|---|
SmartBuy BizDeals |
Savings on hotel and flight bookings |
Swiggy Dineout |
Up to 10% discount on dining bills when paying through the Swiggy app |
SmartBuy Travel Benefits |
Up to 10% cashback on eligible travel bookings and online shopping through SmartBuy |
Disclaimer: The above offers, cashback rates, merchant eligibility, and benefit conditions are subject to change at the issuer’s discretion.
Disclaimer
Reviewer
The HDFC Bank Giga Business Credit Card is a business credit card designed for self-employed individuals. It offers CashPoints on eligible business spends, tax payments, bill payments, digital business expenses, and travel bookings.
Self-employed Indian citizens aged between 25 and 65 years can apply. You should have an annual ITR of more than ₹4 Lakhs and can apply using ITR or GST return documents.
You can get a gift voucher worth ₹250 when you make your first transaction within 37 days from the card issuance date.
You earn 2 CashPoints for every ₹200 spent on general business expenses and 6 CashPoints for every ₹200 spent on eligible business digital spends, bill payments, GST payments, and income tax payments.
You can earn 800 Bonus CashPoints every month by spending ₹50,000 or more during that month.
The card offers an interest-free credit period ranging from 25 to 55 days, depending on your billing cycle and transaction date.
Yes. You can get a 1% fuel surcharge waiver on fuel transactions between ₹400 and ₹5,000, subject to a maximum waiver of ₹250 per statement cycle.
Yes. The card offers both EasyEMI and SmartEMI facilities. You can convert eligible purchases into EMIs either at the time of purchase or after the transaction.
The joining fee and renewal fee are ₹500 each, plus applicable taxes. The renewal fee is waived if you spend ₹50,000 or more during the anniversary year.
Yes. A foreign currency markup fee of 3.5% of the transaction value is applicable on international transactions made using the card.
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