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Business Gold Credit Card

Product Details
Credit Card Name : 

Business Gold Credit Card

Bank Name :

HDFC Bank

Type :

Travel Credit Card

Interest Rate : 

3.60% p.m. 43.20% p.a.

Eligibility :

Indian Resident
Any Business owner or self-employed individual.
The primary cardholder must be an Indian citizen, of age 21 and not older than 65.
have a minimum annual income of Rs. 2 lakhs.

Business Gold Credit Card
Pros

The benefits associated with this card are as follows:  

1. Customers Get 1% cash back on air tickets booked through domestic airline websites. 

2. Get 1% cashback on Utility Bill Payments 

3. Balance transfer facility available.  

4. Customers can Buy products on the Business Gold Credit Card and repay in easy monthly installments 

5. Fuel Surcharge waiver available.  

6. Revolving credit facility available along with 50 days interest-free period.  

7. Customers can Get an additional credit card with their existing HDFC Gold Credit Card

Cons

1. No welcome benefit is provided to the customers.  

2. Limited features and benefits available.

Pros & Cons
Welcome Benefits

None 

Rewards System
  • Earn reward points on every spend of ₹150 and  above Redeem reward points for shopping through Net Banking.  

  • 1 Reward Point = Rs 1 1 RP for every INR 100 spent.   

  • Effective Cashback Rate= 1%

International Forex Markup

IFM- 3.5%

Welcome Benefits and Reward System
Special Features

None

Eligibility Criteria

Indian Resident
Any Business owner or self-employed individual.
The primary cardholder must be an Indian citizen, of age 21 and not older than 65.
have a minimum annual income of Rs. 2 lakhs.

Benefits


  • Airport lounge access.

  • Travel insurance, including trip cancellation/interruption, baggage delay/loss, and medical evacuation/transportation.

  • Global Assist Hotline for help with lost passports, emergency cash advances, and more.



Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
  • Go to the HDFC Bank website and click on the "Apply for Credit Cards" tab. 

  • Select the "Business Gold Credit Card" from the list of cards. 

  • Enter your personal and business details. 

  • Upload your scanned documents, such as your PAN card, Aadhaar card, and business registration certificate. Submit your application. 

  • You will be contacted by HDFC Bank's credit card team for further processing of your application. 

  • The approval of your application will depend on your credit score and other factors.

Contact Details

1800 202 6161 or 1860 267 6161,
send an SMS to 730 8080 808,
or even use WhatsApp to send a message to 707 0022 222.

Account Opening and Procedure
Business Gold Credit Card

HDFC Business Gold Credit Card offers lots of features and benefits that will help you manage your business’s expenses. Cashback on purchases and travel insurance are some of the key features of this credit card. However, it is to be kept in mind that the card has limited reward benefits, therefore one should consider other cards available in the market before investing in this card.

Abhijeet Saxena

Abhijeet Saxena

Abhijeet Saxena

Nalsar University of Law

Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi

Ex - Khaitan & Co. Bengaluru,

Ex - National Stock Exchange, Mumbai,

Ex - Argus Partners, Mumbai

Product Review
Fees & Charges
  • Annual Fees: Rs. 199, which can be waived if you spend Rs. 50,000 in a year. 

  • Cash advance fee: 2.5% or ₹ 500 whichever is higher.  

  • Interest Rates: 3.60% p.m. 43.20% p.a.  

  • Late Payment Charges: Less than ₹100 = Nil ₹100 to ₹500 = ₹100/- ₹501 to ₹5,000 = ₹500/- ₹5,001 to ₹10,000 = ₹600/- ₹10,001 to ₹25,000 = ₹800/- ₹25,001 to ₹50,000 = ₹1100/- More than ₹50,000 = ₹1300/- 

  • Foreign Currency Transactions Fees: 3.5%.   

  • Reward Redemption Fees: Rs. 99/-

Fuel Surcharge

1% Fuel Surcharge waiver on fuel transactions (Minimum transaction of ₹400, Maximum transaction of ₹5,000 & Maximum waiver of ₹250 per statement cycle)

Billing Cycle

30 Days

Fees & Charges
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