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  • HDFC Bank Business Gold Credit Card

    Fees & Charges

    Promised Interest Rate

    Customer Service

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    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 5.0/5 "Blown Away!"
      I've been using the HDFC Platinum Credit card for a while. The limit is also good, I have a savings account with the same account. They provide more offers , cash back and reward points are also there with the card. Overall it is a good card to use.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 26, 2018
    • HDFC Bank Credit Card
      "Dinners credit card with HDFC"
      0.5 3.0/5 "Satisfactory"
      I hold a HDFC dinners credit card. I am satisfied with the limit and the offers with the card. There is no annual charge with the card. i have not yet received any reward points with the card.The customer service is good. Easy EMI option is there.
      Was this review helpful? 0
      , chennai
      Reviewed on May 26, 2018
    • HDFC Bank Credit Card
      "Very good service"
      0.5 4.0/5 "Great!"
      It has been the best card among all the cards which i am holding. There has been good benefits and features with the card and also there has been good credit limit. There has been good EMI options given by them. I have been using for almost two and half years and i am happy with all the services which they have been providing so far.
      Was this review helpful? 0
      , chennai
      Reviewed on May 26, 2018
    • HDFC Bank Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      I have been holding this card for more than two years. The services which they have been providing has been good so far. The credit limit had been satisfactory and there has been good benefits and features with the card. I have been using the card for shopping, online purchases and all other purposes.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 26, 2018
    • HDFC Bank Credit Card
      "Average"
      0.5 3.0/5 "Satisfactory"
      I have a credit card from Hdfc Bank, I am not quite satisfied with the staff response of the bank, the credit card is a lifetime free, however the services point of view it is not satisfactory. I could rate the card as an average credit card 3 out of 5.
      Was this review helpful? 0
      , kolkata
      Reviewed on May 26, 2018
    • HDFC Bank Credit Card
      "Very good service"
      0.5 4.0/5 "Great!"
      I have been holding this card for almost 6-7 months, the services which they have been providing so far had been very good. There has been good benefits and features with the card. I have been using the card for online purchases, shopping and all other purposes.
      Was this review helpful? 0
      , thane
      Reviewed on May 26, 2018
    • HDFC Bank Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have been holding this card for the past one year, the services of them had been good so far. There has been good benefits and features with the card, and also they have provided with a good credit limit as well. There has been good reward points and cash back offers with the card and i have been using it for all kind of purposes like shopping and for other purchases.
      Was this review helpful? 0
      , new delhi
      Reviewed on May 26, 2018
    • HDFC Bank Credit Card
      "Good overall"
      0.5 5.0/5 "Blown Away!"
      My credit card is with HDFC Bank and the banking services are good. There are no charges taken for the card and the credit limit is also fine. The statements are clear and I am happy with the offers I get on the card. There has been no inconvenience faced till date.
      Was this review helpful? 0
      , gurgaon
      Reviewed on May 26, 2018
    • HDFC Bank Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I've few credit cards but HDFC Regalia is the best card, because their service is good. The limit is also good. Cash back offers are there but never availed. I never faced any issue with the card and their services. It is a recommendable card to have.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 26, 2018
    • HDFC Bank Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have been holding the card for the last one year, the services which they have been providing have been very good. It has been very transparent with their services. The credit limit which they have been provided with the card had been good, they have increased the limit also. Even they had offered me loans as well. I have been using the card for shopping, traveling, fuel and everything.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 26, 2018
    • HDFC Bank Credit Card
      "Excellent Card"
      0.5 5.0/5 "Blown Away!"
      I purchase this HDFC regalia card 2 years ago. Good offers in this regalia credit card. I used to get good reward points. If i spent Rs. 150 then i will get 3 reward points. EMI conversion is available in this card. Overall, i'm satisfied with this card.
      Was this review helpful? 0
      , gurgaon
      Reviewed on May 25, 2018
    • HDFC Bank Credit Card
      "Easy EMI with HDFC"
      0.5 5.0/5 "Blown Away!"
      With HDFC bank i have a credit card.I used to get reward points and cash back with the card.I have used the reward points. They have charges for EMI conversion. They have annual charges. Easy EMI option is available. The customer service and response with them is good.
      Was this review helpful? 0
      , new delhi
      Reviewed on May 25, 2018
    • HDFC Bank Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      The services which they have been providing so far had been very good. I have been using the card for the last 7 months. They have been provided with a good credit limit, the benefits and the features with the card also had been good. There has not been any annual fee with the card and i have been using the card for all kind of purposes.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 25, 2018
    • HDFC Bank Credit Card
      "HDFC platinum card"
      0.5 5.0/5 "Blown Away!"
      I hold a platinum credit card with HDFC bank . I am happy with the limit with the card. I used to get reward points and cash back with card. I have used the reward points. They have good offers with the eCommerce website. There is no annual charge.
      Was this review helpful? 0
      , gaya
      Reviewed on May 25, 2018
    • HDFC Bank Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      There has been good reward points and benefits with the card. the credit limit has been a little low but i am happy with all the benefits and the features of the card. I have been holding this card for the last three years and there has not been any issues so far. The mobile application also had been good.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 25, 2018
    • HDFC Bank Credit Card
      "Average service"
      0.5 3.0/5 "Satisfactory"
      I have been holding this card for almost two years, the credit limit which they have been provided with the card has been very good. The interest rate also had been very good. I have been using the card for all kind of purposes like shopping and purchases and all others.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 25, 2018
    • HDFC Bank Credit Card
      "Good Card to Use"
      0.5 5.0/5 "Blown Away!"
      I have been using this HDFC Titanium times card for 4 months. I got a very nice cashbacks offer. I have got a credit limit of Rs. 70000. They offered me a add on insurance but i was not interested about it. I purchased a lot through online and I got extra cashback of 5% on filling fuels.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 25, 2018
    • HDFC Bank Credit Card
      "HDFC platinum card"
      0.5 5.0/5 "Blown Away!"
      I hold a HDFC platinum credit card and the limit and offers available with the card is which i am satisfied with. Its possible to convert to emi. The interest will be 13% for an year. I get reward points with the card and there is no annual charges with HDFC.
      Was this review helpful? 0
      , kochi
      Reviewed on May 25, 2018
    • HDFC Bank Credit Card
      "Best Service"
      0.5 5.0/5 "Blown Away!"
      I've been using the HDFC MoneyBack credit card for a while. I am not aware about the reward points system. The customer service connectivity is very poor with HDFC, the waiting time is considerably longer. Overall it was a good experience.
      Was this review helpful? 0
      , navi mumbai
      Reviewed on May 25, 2018
    • HDFC Bank Credit Card
      "Better Card"
      0.5 4.0/5 "Great!"
      Their is no app for credit card holder. Their is no separate customer care. There is a very short span of time in customer care. Customer care is nice. In their welcome kit, they did not mentioned the interest and service charges. Till now i don't get any information about the annual fee.
      Was this review helpful? 0
      , kochi
      Reviewed on May 25, 2018
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