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  • HDFC Bank Business Gold Credit Card

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  • 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.

    >Other Top Credit Cards By HDFC Bank
      

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    HDFC Bank Business Gold Credit Card Reviews

    • HDFC Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I am using HDFC Bank credit card which was directly taken through Bank .I am using this credit card for the past 3 years .I have got a good credit limit and got all the relevant information about the card process.I have not checked cash back offers and reward points .I have not used this card much so far.
      Was this review helpful? 2
      , surat
      Reviewed on Sep 13, 2019
    • HDFC Bank
      HDFC Bank Credit Card
      "Good for travelers"
      0.5 5.0/5 "Blown Away!"
      Past 4 years I have been holding HDFC card, earlier I had rewards titanium credit card very recently I upgraded to Regalia card it has yearly fee. They are providing airport lounge facility with travel discounts at make my trip and goibgo. The customer care executives are very helpful but rate of interest is higher for the late fee.
      Was this review helpful? 1
      , pune
      Reviewed on Sep 13, 2019
    • HDFC Bank Credit Card
      "Need to enhance the credit limit"
      0.5 1.0/5 "Really Bad"
      I am using HDFC Bank credit card for the past 2 years which was processed through bank directly. It is a life time free credit card and the credit limit is given for low of 50 thousands only. I am using this card for shopping and many other purposes.
      Was this review helpful? 1
      , chennai
      Reviewed on Sep 12, 2019
    • HDFC Bank Credit Card
      "Need to enhance the credit limit"
      0.5 5.0/5 "Blown Away!"
      I am using HDFC Bank money back credit card where they have provided with low credit limit of 50 thousands only, its an life time free credit card,there are good EMI option available and charges are nominal. I am using this credit card from past 2 years.
      Was this review helpful? 1
      , chennai
      Reviewed on Sep 12, 2019
    • HDFC Bank Credit Card
      "Good Experience"
      0.5 5.0/5 "Blown Away!"
      I do have HDFC Jet Privilege card which has the limit of Rs. 2.5 lakhs, they used to give me JP miles based on the transaction either I am on traveling or pleasure trip. Now I am planning to change this card because they don't have anymore in the market.
      Was this review helpful? 0
      , lucknow
      Reviewed on Sep 12, 2019
    • HDFC Bank Credit Card
      "Okay Card"
      0.5 4.0/5 "Great!"
      In HDFC, i am having a credit card which is Regalia and this is my first credit card. I am getting a priority pass on airport and i won't use this card much. There is no annual fee charged on this card and they are not sending any offer related messages for this card.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Sep 12, 2019
    • HDFC Bank Credit Card
      "Normal Card"
      0.5 5.0/5 "Blown Away!"
      I am just using the credit card from HDFC and since 2014, i hold this card. There is no much benefits on this card and its like a normal other credit card. They have not increased the credit limit so far. I never interacted with the HDFC customer care till now.
      Was this review helpful? 0
      , kolkata
      Reviewed on Sep 12, 2019
    • HDFC Bank Credit Card
      "Good card for reward points"
      0.5 5.0/5 "Blown Away!"
      Currently I am holding money back card from HDFC Bank, it has good option to convert the accumulated points into encashment without any hassles, the customer support is proactive but the credit card has the yearly fee anyway its fine for me.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Sep 12, 2019
    • HDFC Bank Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      Instant and cash back offers are available always, card has annual fee,I am using this HDFC Bank credit card from last 2.5 years, customer service is very good, EMI options are available but rate of interest is very high and the credit limit is good.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Sep 12, 2019
    • HDFC Bank Credit Card
      "Excellent credit card"
      0.5 5.0/5 "Blown Away!"
      This is a regalia first credit card which I'm using with HDFC and i get a lots of benefits and the limit and facility what they have given against the credit card is really good. This is my longest credit card which I'm using. I get a sur charges waiver off for petrol and for online merchants i get a cashback offers and benefits are more compared to other banks.
      Was this review helpful? 0
      , kanpur
      Reviewed on Sep 12, 2019
    • HDFC Bank Credit Card
      "Good for all usage"
      0.5 4.0/5 "Great!"
      I have been using this Hdfc card around six years, they have increased the credit limit initially it was Rs.45,000 now I believe I got around Rs.80,000. They give lots of offers at e commerce site amazon or flipkart, the billing cycle is also convenient.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 12, 2019
    • HDFC Bank Credit Card
      "Average"
      0.5 3.0/5 "Satisfactory"
      customer service of the HDFC Bank where if we call the customer care service we need to wait long time, offers for the this card is nominal,I am using this credit card from last 3 years, annual fee is chargeable for this card. This is money back credit card where I get rewards for any transactions purchase.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Sep 12, 2019
    • HDFC Bank Credit Card
      "Better Card"
      0.5 4.0/5 "Great!"
      I was using the HDFC Credit card and since i went to the out of country i have closed the card. They have given me a credit limit of Rs. 40000 and its a hassle free card to use. They are not sending the offer notifications to me on a regular basis. Still i haven't NOC letter and through call centre, i have given the request for surrendering the card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 12, 2019
    • HDFC Bank Credit Card
      "Very nice card compared to others"
      0.5 5.0/5 "Blown Away!"
      For past 9 years, i have been using the credit card from HDFC. For the general enquiry, i used to call them and the response is fine. If i pay in time, there won't be any charges and the interest rate is nominal. Presently I'm using Regalia credit card and they provide some credit points so that i can redeem that. 4 point is equal to Rs.1 and I'm getting cashbacks on petrol bunks.
      Was this review helpful? 0
      , nellore
      Reviewed on Sep 12, 2019
    • HDFC Bank Credit Card
      "Recommendable Card"
      0.5 5.0/5 "Blown Away!"
      I am using HDFC card for last two years, the offers are good and they keep increasing the limit. Initially I couldn't change the points into cash back now they upgraded the card so its easy to convert all. The customer support is also helpful for my queries, the emi interest is pretty nominal.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Sep 12, 2019
    • HDFC Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I am holding HDFC bank credit card from last 6 months, credit limit of the card is very low, card offers are very good, rewards points system is nominal, customer care service available 24/7 days and if we have any issue customer service resolves quickly.
      Was this review helpful? 1
      , bangalore
      Reviewed on Sep 11, 2019
    • HDFC Bank Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      I am holding HDFC Bank credit card from last four years, where the card limit is good,there are good EMI options available, cash back offers are good but the rewards points benefits is very less but rate of interest on the credit card is nominal.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Sep 11, 2019
    • HDFC Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I am using HDFC Bank credit card where they have provided me good credit limit, its an life time free credit card,there are good EMI option available, I am using this credit card from past 4 year, where their are good reward points and cash back offers.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 11, 2019
    • HDFC Bank Credit Card
      "Good"
      0.5 3.0/5 "Satisfactory"
      I am using HDFC Bank credit card from last 1.6 years, Their are many unwanted charges are applicable on the HDFC bank credit card, card has zero annual charges, rewards points system is good, limit of the card is nominal, EMI options are available.
      Was this review helpful? 0
      , jaipur
      Reviewed on Sep 11, 2019
    • HDFC Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I have HDFC Bank credit card which was directly taken through Bank .I am using this credit card for the past 2 years .This is a free card and i have got the credit card on time without any delay .I am really satisfied with the credit limit .There are good reward points as well as cash back offers .
      Was this review helpful? 0
      , indore
      Reviewed on Sep 11, 2019
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