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  • HDFC Bank Business Gold Credit Card

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Credit Card BYTES FROM OUR KITCHEN

    HDFC Bank Business Gold Credit Card

    While there are several really attractive money-saver credit cards in the market, HDFC Business Gold Credit Card gets the nod because it offers tantalizing saving rates in major expense categories such as travel, dining, and shopping. In return for a nominal annual fee of INR 199, card users enjoy tremendous cash back offers at supermarkets, petrol pumps, air tickets and rail tickets.

    Benefits:

    • You can enjoy whopping business savings of up to INR 21000 in a year.
    • Enjoy rebates and savings up to INR 18000 on air journeys, utility bill payments and train tickets reserved via irctc.co.in every year.
    • On fuel purchase using HDFC Business Gold Credit Card, you can avail a waiver of up to INR 3000 annually.
    • Registering yourself at SmartPay with this card can make online payments convenient while saving.
    • Spending INR 15,000 in a year before the cards renewal date can get your renewal charges (INR 199 plus taxes) waived off.

    Features:

    1. Business Saving Features:
      • HDFC has wide-ranging partner tie-ups with various domestic airlines. This way you can get up to 1% cashback (up to INR 500) on air tickets if you purchase them online. Same goes for utility bill payment.
      • Enjoy additional charge waivers on train ticket (up to INR 500 per statement) when booked via irctc site.
      • Avail waiver on additional fuel charge of up to INR 250 per statement cycle, across all petrol pumps in the country for transactions between INR 400 and INR 5000. This will come up to INR 3000 yearly.
      • You can save up to INR 21000 annually for your business spend.
      • You can save up to INR 18000 on Air tickets, Utility bills and train tickets.
      • Spending INR 15,000 annually before renewal day to get your renewal fees of INR 199 plus taxes waived.
    2. Transfer of Balance:
      • You may transfer your unsettled dues on your existing Credit Card to HDFC Bank and start saving straightaway.
    3. Loan against your Business Gold Credit Card is also an attractive feature.
    4. Why worry when there is Easy EMI option?
      • Purchase a range of goods and services with your HDFC Bank Business Gold Credit Card without worrying about the budget.
      • For more convenient and stress-free shopping, HDFC has partnered with numerous mercantile establishments.
    5. Revolving Credit Facility on your HDFC Business Gold Credit Card comes at a monthly interest rate of 3.15%.
    6. HDFC ERGO Travel Insurance grants you complete peace of mind when you travel overseas with a variety of HDFC ERGO Travel Insurance plans at reasonable premiums.
    7. Supplementary Card:
    8. Add-On Sub Limit:
      • A Supplementary Card with a sub-limit feature gives improved control and security with the facility to track expenditures.

    Eligibility & Documentation:

      The Primary Cardholder must be an Indian citizen, of age 21 and not older than 65. You cannot give a Supplementary Card to a minor.

    HDFC Business Gold Credit Card FAQs:

    1. What is the yearly membership fee for the HDFC Bank Business Gold Credit Card?

      The Joining fee is INR 199 and the yearly renewal membership fee is also the same.

    2. Is there any mark-up fee for overseas funds transactions for Business Gold Credit Card?

      They will levy 3.5 % of the transaction sum as a mark-up fee for international money transactions.

    3. How can I pay the membership fee for the HDFC Bank Business Gold Credit Card?

      The membership fee for the year you bought this card will be payable to the initial statement of your HDFC Bank Business Gold Credit Card. This will become the subsequent monthly statement from the day of upgrade in case of upgrade cards.

    4. How can manage my monthly expenses?

      It can be tracked by your monthly statements, which is a record of every purchase and transaction you have done using your card. If you see an unauthorized transaction, notify HDFC customer care service instantly.

    5. How does HDFC Easy EMI system work?

      After choosing an outlet that is part of the HDFC Easy EMI program, make your purchase and let the cashier know that you are intending to go for the EMI system through this card.

    HDFC Bank Business Gold Credit Card Reviews

    • HDFC Bank Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      I had been using this card for the last six months and the services which they had been providing so far has been good. I am happy with the credit limit with the card and there has been some good benefits and features with this card. There has been an annual charges of 499 with this card as well.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 10, 2018
    • HDFC Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I am using this card for the last one year and they had given me with a credit limit of 11,000 with this card. There has not been any sort of annual charges for this card and i am using this card for just shopping. There has been some good benefits in holding this card as well.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 10, 2018
    • HDFC Bank Credit Card
      "IVR system needs to developed"
      0.5 4.0/5 "Great!"
      I am holding HDFC credit card for past 12 years it can use for air lounges, I am not sure about other offers which is there on the card. I primarily use Amex card, they are good in services they take too much time to connect with their IVR helpline.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 09, 2018
    • HDFC Bank Credit Card
      "Its Average"
      0.5 3.5/5 "Pretty good"
      I am holding HDFC credit card around 2 to 3 years, they gave me the lower interest around 30,000. The customer support is not good, they need work on the parts. Offers are not attractive, I felt this card is average interms of limits and also the offers.
      Was this review helpful? 0
      , pune
      Reviewed on Dec 09, 2018
    • HDFC Bank Credit Card
      "Best card"
      0.5 5.0/5 "Blown Away!"
      My credit card was taken with HDFC BANK , the whole application process was easy and hassle free. The limit is good and I never had any issues with their services. Overall this card is as useful as any other cards you can find in the market. The card is also good.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 09, 2018
    • HDFC Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      My credit card was taken with HDFC BANK , i am holding this card for past 3 year . I never faced any difficulty with their services. It is a very useful card for daily use as well. There is no annul fee at the time of getting the card . I am happy with the services of HDFC BANK.
      Was this review helpful? 1
      , bhubaneshwar
      Reviewed on Dec 09, 2018
    • HDFC Bank Credit Card
      "Satisfactory"
      0.5 3.5/5 "Pretty good"
      I hold a credit card with HDFC Bank and the banking experience is good. There are good deals and the offers are satisfactory too. The statements are clear and sent to me on time. The credit limit is good too and when I use the card I have not faced issues.
      Was this review helpful? 0
      , kolkata
      Reviewed on Dec 09, 2018
    • HDFC Bank Credit Card
      "Satisfactory"
      0.5 5.0/5 "Blown Away!"
      It is a life time free card with HDFC Bank. The customer support is fine and they are responsive too. There are good offers and deals and in all I have no issues. The billing is clear and there are no issues to get the statements on time. In all satisfactory.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 09, 2018
    • HDFC Bank Credit Card
      "Good offer for flight books, points, shoppings"
      0.5 4.0/5 "Great!"
      Last seven years I am holding HDFC credit card, they have good offers in shopping, flight books for some travel. I do get some reward points. The customer support is good, the payment gateway is easy to make the credit card, payment reflecting immediately.
      Was this review helpful? 0
      , mumbai
      Reviewed on Dec 09, 2018
    • HDFC Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I have been holding HDFC credit card for long time, they have not charged me annual fee in this card ,it is life time free credit card, and there credit limit they have given me is okay for now but soon i will increase my credit limit as i am using from past 7 months so i want to increase my limit and they provide good discounts in shopping and fuels.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 08, 2018
    • HDFC Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I have been holding HDFC credit card for a while, i dont use much this credit card, they have charged me annual fee in this card, but it use to get waived off if i spend certain amount then my annual fee will get waived off and i am fine with my credit limit, as i dont use much credit card so i have no idea about the offers which they have provided to me.
      Was this review helpful? 0
      , kolkata
      Reviewed on Dec 08, 2018
    • HDFC Bank Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I have been holding HDFC credit card, there service is too good, they have not charged me annual fee in this card, it is life time free credit card, and there credit limit they have given me was sufficient , i am happy with my credit limit in this card, and they provide very good offers in maximum products.
      Was this review helpful? 0
      , patna
      Reviewed on Dec 08, 2018
    • HDFC Bank Credit Card
      "GOOD"
      0.5 4.0/5 "Great!"
      The credit card with the HDFC BANK is very good as i have been using it from past few years. The credit card is very good card to use they are giving with the good offers with this card. The credit limit what they haev offered is very good and satisfactory with this card.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 08, 2018
    • HDFC Bank Credit Card
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      I am holding the credit card with the HDFC BANK where the card is nearly 2.2 years old. It is a user friendly card to use i get the none of the offers with this card but the credit limit is satisfactory with this card. The service is also good with this card.
      Was this review helpful? 0
      , guwahati
      Reviewed on Dec 08, 2018
    • HDFC Bank Credit Card
      "Comfortable Service"
      0.5 5.0/5 "Blown Away!"
      I hold a HDFC credit card and i am using this since 3 months, well i hope there is a long way to go with HDFC Bank. Till date HDFC credit card is serving me better and there is no annual charges here. Only the concern here is that the limit, if the limit is increased in coming days it will be a great help. Apart from that its a good to go card.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Dec 08, 2018
    • HDFC Bank Credit Card
      "Satisfactory"
      0.5 4.0/5 "Great!"
      I have taken a credit card from HDFC Bank as well. The process to get the card was fine and the customer support and response is also good. I have a credit limit of 26K. There are charges for the card and there are offers too. It was a smooth process in all.
      Was this review helpful? 0
      , warangal
      Reviewed on Dec 08, 2018
    • HDFC Bank Credit Card
      "Its Excellent"
      0.5 5.0/5 "Blown Away!"
      I am not okay with the credit limit they should enhance the limit. I have taken HDFC Regalia credit card through online portal. It is a life time free credit card. I can convert my payments into EMI. The process was fast and I got the card on time.
      Was this review helpful? 0
      , chennai
      Reviewed on Dec 07, 2018
    • HDFC Bank Credit Card
      "Good for travelling"
      0.5 4.0/5 "Great!"
      I took HDFC Platinum card through online. For my credit card there is no charges because it for the business. I am not sure about the interest , I used to pay on time, there are lots of offers even if I try to travel in flight there is privilege offers and discount on ticket.
      Was this review helpful? 2
      , ahmedabad
      Reviewed on Dec 07, 2018
    • HDFC Bank Credit Card
      "GOOD"
      0.5 4.0/5 "Great!"
      The best feature is that they are providing the jumbo loan, instant loan from this credit card. I am using it from past 5 years the credit card with the HDFC BANK. The credit limit is satisfactory also added on that they are offering with the good offers.
      Was this review helpful? 2
      , bangalore
      Reviewed on Dec 07, 2018
    • HDFC Bank Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I have been using HDFC credit card for long time, they have charged me annual fee in this card, and i have no idea is there waived off option available in this card and i am happy with my credit limit they have given me in this card and they have given good offers in maximum products.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 07, 2018
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