Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  •  Loading your search... Loading your search...
  • 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:
      • With this your loved ones too can enjoy the benefit of your credit 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 card to use"
      0.5 5.0/5 "Blown Away!"
      The HDFC bank money back credit card is easy to use and I use this card for all kind of purchases and for shopping purposes. The customer support is good with HDFC credit card departments. The credit limit is given based on the salary, so I am satisfied with it.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 17, 2017
    • HDFC Bank Credit Card
      "Good"
      0.5 4.5/5 "Excellent!"
      I have my credit with HDFC bank and I am using it for about 2 years . The credit limit was 3 lakhs. They have offered platinum International card. I get many cash back offers and rewards point but I have not used it. The charges are high in case of late payment and the interest rate is also high comparing to ICICI bank. The customer service and responses is very good.
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 17, 2017
    • HDFC Bank Credit Card
      "Excellent services"
      0.5 5.0/5 "Blown Away!"
      HDFC Bank has offered me a credit card and they are excellent in the banking services. They always provide me with the authentic information and they are fast and very much professional. The card offers are also good and there are no issues at all.
      Was this review helpful? 0
      , guntur
      Reviewed on Oct 17, 2017
    • HDFC Bank Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      My credit card was taken with HDFC bank 10 years back. I hold their platinum card and I get reward points for it . The credit limit was 1 lakh and I am satisfied with It. The customer service and responses was amazing. Here the charges are average and interest rate was also not so high. My overall experience was good so Its recommendable.
      Was this review helpful? 0
      , chennai
      Reviewed on Oct 17, 2017
    • HDFC Bank Credit Card
      "Good to Hold"
      0.5 4.0/5 "Great!"
      HDFC is giving good offers with life time free credit card option, they are giving good discounts on shopping. But credit card bills are very difficult to understand, they are not updating the credit card transaction, apart from that everything is good.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 17, 2017
    • HDFC Bank Credit Card
      "Hassle free"
      0.5 4.0/5 "Great!"
      HDFC Bank is also good in the credit card and there has been no issues till date with the bank. The customer support team is very helpful and responsive as well. The limit is also good and the bank always informs me about the offers and deals I am eligible off.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Oct 17, 2017
    • HDFC Bank Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I am using HDFC credit card from last 10 months, The credit card services are excellent in HDFC bank when compared to all other credit cards. I get good offers like cash back and reward points. I use this card for shopping and filling petrol, i am also satisfied with the credit limit.
      Was this review helpful? 0
      , new delhi
      Reviewed on Oct 17, 2017
    • HDFC Bank Credit Card
      "Unprofessional"
      0.5 5.0/5 "Blown Away!"
      I am unhappy with the way HDFC Bank treated me. I am holding this HDFC Bank credit card for a period of 2 years . Some time back, I tried to talking with the card services, I was on call for 30 minutes where I was referring to a charge, suddenly their representative interrupted me and told that it cannot be done. I felt it was too unprofessional and unethical.
      Was this review helpful? 0
      , new delhi
      Reviewed on Oct 17, 2017
    • HDFC Bank Credit Card
      "Good credit limit"
      0.5 5.0/5 "Blown Away!"
      I have had a credit limit of more than Rs. 1 Lakh with HDFC Credit Card, which helped me throughout the past few years with my financial needs. I have had a very experience with the Bank in regards to this card. Also there is no hidden charges that is been applied.
      Was this review helpful? 0
      , new delhi
      Reviewed on Oct 17, 2017
    • HDFC Bank Credit Card
      "Its Good"
      0.5 5.0/5 "Blown Away!"
      I have taken credit card loan around 1 lakh with the interest rate around of 8% for the tenure of 12 months, their was no charges applicable. I am using Dinus club card, I am getting reward points but looking good cash back and exciting offers..
      Was this review helpful? 0
      , nasik
      Reviewed on Oct 17, 2017
    • HDFC Bank Credit Card
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      I am a long time customer of HDFC Bank. The services and response is good always. They have the best of offers and the charges are normal. The credit limit is really good and they keep upgrading the same on a regular basis. Satisfactory overall on the credit card product.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 17, 2017
    • HDFC Bank Credit Card
      "GOOD SERVICE"
      0.5 4.0/5 "Great!"
      HDFC Bank has offered me a credit card and they have been providing the best of services. I get my statements on time. It would be better if it more in detail. Likewise at least once a month I receive a call giving me updates on the offers and also to check if I am facing a difficulty. It would be more appreciative if the call is made once in 15 days or at least send a message about particular offers and their validity period. For example today I have an offer if I purchase for 2K there is no tax, I never knew about this offer until I checked about it on my own. They could at least send a SMS updating on the same. It is a life time free card.
      Was this review helpful? 0
      , chennai
      Reviewed on Oct 17, 2017
    • HDFC Bank Credit Card
      "Very quick process"
      0.5 5.0/5 "Blown Away!"
      I use Platinum credit card of HDFC. I just started the service before 2months, I didn't use the card till now. The credit limit was satisfactory, offered 70K. It is a lifetime free credit card. They only charge 1% as rate of interest which is very good.
      Was this review helpful? 0
      , new delhi
      Reviewed on Oct 17, 2017
    • HDFC Bank Credit Card
      "DISSATISFIED"
      0.5 1.0/5 "Really Bad"
      HDFC Bank delivered a credit card to me saying that it would be a life time free card. But the card that came through was chargeable. So I returned the card back asking me to give what they have promised. It is another instance of unsatisfactory services from this bank.
      Was this review helpful? 0
      , chennai
      Reviewed on Oct 17, 2017
    • HDFC Bank Credit Card
      "Best banking "
      0.5 5.0/5 "Blown Away!"
      I bank with HDFC for past 1.2 years I get the best service as compared to other banks in the market.credit card is more useful for my transaction in case of emergency they had recently upgraded my credit card to one lakh easy to carry and safe to use.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 17, 2017
    • HDFC Bank Credit Card
      "Good offers"
      0.5 4.0/5 "Great!"
      I had a Money Back Credit card with HDFC Bank. and felt the usage of it to be very useful. I also felt the offers available in this card to be very good. Also felt the credit limit of Rs.108000 to be very good. I have this Credit Card for the past 3 years.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 17, 2017
    • HDFC Bank Credit Card
      "Satifactory credit card"
      0.5 5.0/5 "Blown Away!"
      I am having Super Premium Regalia from HDFC its very excellent, because they are providing lower interest for the credit card loans and the amount getting disbursed within 10 seconds with good reward points. They gave me the credit limit around 3 lakhs its excellent.
      Was this review helpful? 0
      , bhubaneshwar
      Reviewed on Oct 17, 2017
    • HDFC Bank Credit Card
      "satisfactory"
      0.5 4.0/5 "Great!"
      My credit card is with HDFC bank which was taken 3 years back. The credit limit was 1.5 lakhs and I am satisfied with it. They have offered platinum card and I get many god cash back offers. Here the customer service and responses was very slow. Its taking much time to connect with them but I am satisfied with the net banking. My overall experience was satisfactory.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 17, 2017
    • HDFC Bank Credit Card
      "Nice experience"
      0.5 4.0/5 "Great!"
      HDFC Bank has offered me a credit card and the bank has always been perfect in the offers and services. The bank is responsive too and there are no hassles. I get proper deals and the credit limit is good. The charges are normal and the limit is good.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Oct 17, 2017
    • HDFC Bank Credit Card
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      The credit card services has been really good from HDFC Bank, they have provided me with a limit that is up to my expectations. The offers are good as well. They have given me a jumbo loan facility and also the cash back offers. The charges are normal.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Oct 17, 2017
    Common Loader Icon
  • reTH65gcmBgCJ7k
    This Page is BLOCKED as it is using Iframes.