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Click here to view the changes in HDFC Bank Business Gold Credit Card effective 15th May 2026.

Card Benefits & Features

Card Management & Controls

Single Interface

  • One unified platform for Credit Cards, Debit Cards, FASTag and Consumer Durable Loans

Spends tracking

  • Simple interface to track all your spends

Reward Points 

  • View and redeem points at the push of a button

Print

Know More About the Card

Credit Card Management & Controls

    Netbanking

    To enable card controls for your HDFC Bank Credit Card through NetBanking, follow these steps:

    1. Log in to HDFC Bank NetBanking using your Customer ID.

    2. Go to the Cards Tab >Select the card > Click Manage card>Manage Domestic and International Limits.

    3. You will be able to view your existing daily domestic and international usage limits.

    4. Enable or disable Online, Contactless, and International usage based on your preference.

    5. Click ‘Update’, enter the OTP received on your registered mobile number, and then click ‘Continue’.

    6. Your selected card controls will be updated instantly.

    Mobile Banking

    To enable card controls for your HDFC Bank Credit Card conveniently through our HDFC Bank MobileBanking App, follow these steps:

    1. Open the HDFC Bank MobileBanking App and log in using your credentials.

    2. Go to the ‘Cards’ section from the menu.

    3. Select the HDFC Bank Credit Card for which you want to enable card controls.

    4. Click ‘Manage Limits’, then enable/disable transaction types such as Online Transactions, Contactless Payments, and International Usage, or set transaction limits according to your preference.

    5. Click ‘Update’ to confirm your changes and enter your MPIN. The updated card control settings will be applied instantly.

    For more detailed management, you can also use our MyCards platform at https://mycards.hdfc.bank.in/ which offers a seamless experience without the need for passwords or downloads.

    MyCards

    To enable card controls for your HDFC Bank Credit Card via MyCards, follow these steps:

    1. Visit the MyCards portal- https://mycards.hdfc.bank.in/ on your desktop or mobile.

    2. Log in using your registered mobile number and the OTP received.

    3. For first-time users, enter the last four digits of your card.

    4. On the card homepage, click the ‘Card Control’ tab.

    5. Enable/disable features such as Online Transactions, Contactless Transactions, International Usage, and set usage limits as per your preference.

    6. Confirm your settings, and the changes will be applied instantly.

    PayZapp

    You can conveniently enable card controls for your HDFC Bank Credit Card through PayZapp by following these steps:

    1. Open the PayZapp app and log in using your credentials.

    2. On the homepage, tap the ‘MyCards’ tab> Select ‘Go to MyCards’.

    3. Log in using your registered mobile number and the OTP sent to your mobile.

    4. If you are a first-time user, enter the last four digits of your HDFC Bank Credit Card.

    5. On the card homepage, tap the ‘Card Control’ tab.

    6. Enable or disable features such as Online Transactions, Contactless Transactions, and International Usage, or set usage limits according to your preference.

    7. Confirm your settings. The updated card control settings will be applied instantly.

    WhatsApp Banking

    To enable card controls for your HDFC Bank Credit Card using WhatsApp Banking, follow the steps given below:

    1. Add HDFC Bank’s official WhatsApp number – 7070022222– to your contacts.

    2. Send the text "Credit Card" to this number.

    3. You will receive a reply with options. Choose the option “Manage My Card”

    4. You will receive a reply with options to select “Domestic / International/ Enhance limits”

    5. Choose the option you want to enable, such as Domestic Online Transactions, Contactless Transactions, or International Transactions.

    6. Enter the transaction limit you want to set. An OTP will be sent to your registered mobile number. Enter the OTP to confirm the change.

    7. Enter the last 4 digits of your Credit Card number.

    8. The current status of the selected transaction type will be shown as Enabled.

    IVR

    To enable or modify your HDFC Bank Credit Card controls and transaction limits, you can contact HDFC Bank's toll-free numbers:

  • Toll-free numbers: 1800 1600 or 1800 2600 (available from 8 am to 8 pm)
  • For overseas travel assistance: 022-61606160
  • By contacting our toll-free numbers, you can enable/modify limits for Domestic, International, Online, Contactless, ATM, and POS transactions on your Debit or Credit Card.

Card Reward and Redemption

Fees & Charges

Annual Fees

  • Spend ₹50,000 in a year and get a waiver of next year’s annual membership

  • Renew your membership annually by paying a nominal fee of ₹500

Cash advance fee

  • A fee of 2.5%, with a minimum of ₹500, is applicable on all cash withdrawals on your card.

Interest

  • Avail up to 50 days of interest free period from the date of purchase

  • Interest at the rate of 3.49% per month will be charged on any outstanding amount carried beyond the bill due date

  • Pay only 1.99% interest per month if card is issued against Fixed Deposit

Read detailed fees and charges

Card Reward and Redemption

Added Delights

  • Get 1% CashBack Utility Bill Payments.

  • Save up to ₹250 on transactions of ₹400 to ₹5,000

  • *Effective 15 Apr 2016, reward points will not be accrued for fuel transactions

  • Enjoy higher security with chip technology Credit Cards. 

  • Get zero liability on lost card if reported immediately.

Card Reward and Redemption

Most Important Terms and Conditions

*The Most Important Terms and Conditions for each of our banking offerings features all the specific terms and conditions that govern their use. You must go through it thoroughly to fully understand the terms and conditions applicable to any banking product you choose.  

Card Reward and Redemption

Frequently Asked Questions

The HDFC Bank Business Gold Credit Card offers cashback, reward points, EMI options, and fuel savings. It includes security features, sub-limits, and add-on cards, making it ideal for business expense management.

We are currently not accepting new applications for the HDFC Bank Business Gold Credit Card. However, you can explore a range of other Credit Cards that may suit your needs. Click here to view our available options and find the right card for you.