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HDFC Bank Business Gold Credit Card
Rewards & Benefits
Welcome Benefits
None.
Milestone Benefits
None.
Cashback Rate
The value of 1 reward point = Rs 1.
The users will get 1 reward point for every INR 150 spent.
General cashback rate: 0.66%.
Cardholders will get 1% off on bookin tickets of domestic airlines.
Airline Cashback Rate: 1%.
Movie Benefits
None.
Dining Benefits
None.
Other Benefits
Enjoy surcharge waivers on rail tickets booked through irctc.co.in (up to Rs 500 per statement)
Lounge Access
None.
Rewards & Benefits
Welcome Benefits
None.
Milestone Benefits
None.
Cashback Rate
The value of 1 reward point = Rs 1.
The users will get 1 reward point for every INR 150 spent.
General cashback rate: 0.66%.
Cardholders will get 1% off on bookin tickets of domestic airlines.
Airline Cashback Rate: 1%.
Movie Benefits
None.
Dining Benefits
None.
Other Benefits
Enjoy surcharge waivers on rail tickets booked through irctc.co.in (up to Rs 500 per statement)
Lounge Access
None.
Fees & Charges
Joining Fee
s: Rs. 199, which can be waived if you spend Rs. 50,000 in a year.
Annual Fee
s: Rs. 199, which can be waived if you spend Rs. 50,000 in a year.
Cash Advance Fee
Cash advance fee: 2.5% or ₹ 500 whichever is higher.
Interest rate
Interest Rates: 3.60% p.m. 43.20% p.a.
Late Payment Fee
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 Fee
Foreign Currency Transactions Fees: 3.5%.
Other Fees
Reward Redemption Fees: Rs. 99/-
Fees & Charges
Joining Fee
s: Rs. 199, which can be waived if you spend Rs. 50,000 in a year.
Annual Fee
s: 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 rate
Interest Rates: 3.60% p.m. 43.20% p.a.
Late Payment Fee
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 Fee
Foreign Currency Transactions Fees: 3.5%.
Other Fees
Reward Redemption Fees: Rs. 99/-
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.
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
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.
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
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai