Giga Business Credit Card

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

More benefits than ever before

Business Benefits

  • Avail Business Loan on card for business needs with Flexible Loan and repayment.

Credit Benefits

  • Up to 55 days Extended Interest-Free Credit Period.

Activation benefit

  • Get a ₹250 gift voucher on your first transaction within 37 days.

Additional Benefits

Application Process

Apply Now in 3 Easy Steps:

The Steps are:

  • Step 1 - Provide & validate your Phone Number & Date of Birth/PAN
  • Step 2- Confirm your details
  • Step 3- Select your Card
  • Step 4- Submit & Receive your Card*

*In certain cases, uploading documents and completing video KYC might be required.

Swiggy HDFC Bank Credit Card Application Process

All You Need To Know

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 Management & Controls

Card features that enable your Business

  • Upto 55 days Extended Interest Free Credit Period. 
  • Earn 2 Cash Points on every Rs.200 spent for your business needs 
  • Earn 6 Cash Points per Rs. 200 spent on spends such as,  
    1. Business Digital Spends (Advertising | Accounting | Software License Purchase | Cloud Hosting) 
    2. Bill Payments via Payzapp & SmartPay 
    3. Income Tax payments via eportal.incometax.gov.in | View steps 
    4. GST payments via payment.gst.gov.in | view steps 
    5. Hotel & flight booking on MMT MyBiz powered by SmartBuy BizDeals

    6. Business Productivity tools like Tally, Office 365, AWS, Google, Credflow, Azure & more via Nuclei by SmartBuy BizDeals

  • T&C apply

Card Reward and Redemption

Offer on Partner Brands

  • Discounts on purchases on GIG special merchant program on gig-related spends 
    WeWork | LegalWiz | Harapa by Upgrad| Truelancer . Click here to know more.
Card Reward and Redemption

Fuel Benefits

  • Get 1% fuel surcharge waiver at all fuel stations across India 
    (on minimum transaction of ₹400 and maximum transaction of ₹5000. Max Cashback of ₹250 per statement cycle) 
Card Reward and Redemption

Welcome/Activation offer

  • Get a Gift voucher worth ₹250 on making one transaction on your Giga Credit card within the first 37 days of card issuance. The voucher is redeemable on top brands like Amazon, Swiggy, OTT Play Premium subscription for 1 month & more.
Card Reward and Redemption

Milestone Benefit

  • Get Bonus 800 Cash points on monthly spend ₹50,000 every month 
  • Redeem your cashpoints as cashback against statemen.
    ​​​​​​​(1 CashPoints = Rs.0.25) 
Card Reward and Redemption

Dining Benefits

  • Get up to 10% discount on your dining bills with Swiggy-Dineout by paying via Swiggy App. Click here to know more

Card Reward and Redemption

Additional Benefits

  • Loan on card: Avail EMI & Loan on card for business needs with Flexible loan and repayment - Business loans and revolving credit can be availed of against the credit card. You can convert all major credit card spends to easy EMIs. You can repay at a low cost using HDFC Bank easy EMIs. Click here to know more
  • SmartPay Benefits: Get assured cashback upto Rs. 1800 in the first year and exciting e-vouchers worth upto Rs.800 for adding 2 or more bills on Smart Pay. For more details (Click here

  • Steps to enable SmartPay on Netbanking​​​​​​​:  
     
    BillPay & Recharge > Continue > Add Biller > Select Category > Enter Details and Enable Smartpay on Debit/Credit Card Or Cards> Credit cards> Smart Pay> Continue > Add Biller > Select Category > Enter Details and Enable Smartpay on Debit/Credit Card> Choose GIGA Business Credit Card  

  • Steps to enable SmartPay on Mobile Banking:  
     

    Bill Payments > Add Biller > Select Biller Type> Enter Details and Enable Smartpay on Debit/Credit Card > Choose GIGA Business Credit Card   

  • SmartBuy Benefits: Get Upto 10% Cash Back on travel/online shopping on SmartBuy. Click here to know more

  • Zero Lost card liability: In the unfortunate event of losing your HDFC Bank GIGA Business Credit Card, on reporting it immediately to Customer Care Toll Free Number: 1800 1600 / 1800 2600, you have zero liability on any fraudulent transactions made on your Credit Card.  
     
    Credit liability cover: Rs. 3 lakh 

  • Link your GST number with your business credit card for optimising Input Tax Credit, smarter expense-tracking, and hassle-free compliance.

    Steps to link:
    1. Write to customerservices.cards@hdfc.bank.in and initiate request to link GST number with the business credit card.
    2. Please furnish the documents (PAN & GST Document) that will be asked

     

Card Reward and Redemption

EMI Benefits

  • EasyEMI: HDFC Bank GIGA Business Credit Card comes with an option to make large purchases for your business on EMI during purchase with EasyEMI. To know more Click Here  

  • SmartEMI: HDFC Bank GIGA Business Credit Card comes with an option to convert your big spends into EMI after purchase. To know more Click Here

Card Reward and Redemption

Eligibility

    HDFC Bank GIGA Business Credit Card:​

  • A Self-Employed Indian Citizen aged between 25yrs. to 65 Yrs. ​
  • Annual ITR above Rs 4 Lakhs ​ (Customers can apply credit card using ITR, GST returns)​
Card Reward and Redemption

Reward Point/Cashback Redemption & Validity

  • Cash Points can be redeemed for: 
  • Click here to know how to redeem your reward points 

      1 Cashpoint is equivalent to For example,
    Redeem as cashback against statement Up to Rs. 0.25 1000 CP = Up to Rs.250
    Redeem on SmartBuy (against flights/hotel bookings) Up to Rs. 0.25 1000 CP = Up to Rs.250
    Redeem against Product Catalogue via Netbanking & SmartBuy Up to Rs. 0.25 1000 CP = Up to Rs.250
    Redeem against Business Catalogue via Netbanking Up to Rs. 0.30 1000 = Up to Rs.300
  • A minimum of 2500 CP is needed to redeem CashPoints against statement balance.  

  • Flights and Hotels redemption, Credit Card members can redeem up to a maximum of 50% of the booking value through CashPoints. Rest of the transaction amount will have to be paid via the Credit Card limit.  

  • With effect from 1st February 2023, cardmembers can redeem upto 70% of product/Voucher value through CashPoints on select vouchers/products and pay the remaining amount via Credit card.  

  • The maximum 15,000 CashPoints can be earned in a statement cycle. 

  • Unredeemed Cash Points will expire/lapse after 2 year of accumulation

  • Maximum of 500 reward points can be earned in a calendar month on UPI spends through RuPay Credit Card.

Card Reward and Redemption

Fees & Charges

  • Joining/Renewal Membership Fee – Rs. 500/- plus Applicable Taxes ​
  • Please Click here to view the fees and charges applicable on your HDFC Bank GIGA Business Credit Card.
  • Spend Rs. 50,000 in an anniversary year (12 billing cycles) and get Renewal Fee waived for next renewal year
Card Reward and Redemption

Application Channels

You can choose any of the following easy options to apply for your Card:

1. Website

  • You can quickly apply online by clicking here.

2. PayZapp App

  • If you have the PayZapp app, just head to the credit card section to get started. Don’t have it yet? Download PayZapp here and apply directly from your phone.

3. NetBanking

  • If you're an existing HDFC Bank customer, simply log in to NetBanking and apply from the ‘Cards’ section.

4. HDFC Bank Branch

  • Prefer a face-to-face interaction? Just visit your nearest branch and our staff will help you with the application.
Application Channels

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.
Application Channels

Giga Business Credit Card

  • Savings Upto Rs.59,000 annually*
  • Savings upto 10% on Swiggy Dineout
  • Amazing Cashback Benefits
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