Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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  • HDFC Bank Business Gold Credit Card Reviews

    • HDFC Bank Credit Card
      "Convenient for transaction"
      0.5 4.0/5 "Great!"
      I am using HDFC credit card for five years, I am working with TCS, hence they are giving some special offers for the credit card. I used to get some reward points and cash back for kinds of transaction. I am fine with the credit limit is satisfactory.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 22, 2017
    • HDFC Bank Credit Card
      "Best"
      0.5 4.0/5 "Great!"
      I do hold a credit card of HDFC bank with the credit limit of 1.5 lakh Rupees. Customer service is the best one for me and I am not running behind the offers. I had not faced the drawbacks with them till now, also they used to delay with the phone banking service, which is not only with them.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 22, 2017
    • HDFC Bank Credit Card
      "Average card to use"
      0.5 2.0/5 "Expected more"
      Recently I have started using HDFC bank solitaire premium credit card. I have applied for HDFC bank money back card, but I am not sure, why they have issued the solitaire premium card. The credit limit with HDFC bank can be increased in future. This card doesn't have annual fee in the first year, from 2nd year onwards If we use more than 50 k or 1lakh the annual fee will be waived off. I would say, it is an average card to use.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 22, 2017
    • HDFC Bank Credit Card
      "Not Satisfactory"
      0.5 1.0/5 "Really Bad"
      I am unhappy with the credit card experience with HDFC Bank. They need an improvement in every bit of the process. They had not given me a proper limit, neither are their offers on the card nor are my statements were on time and clear. Overall I am unhappy with them.
      Was this review helpful? 1
      , jaipur
      Reviewed on Jun 22, 2017
    • HDFC Bank Credit Card
      "Good Card to use"
      0.5 4.0/5 "Great!"
      I use HDFC bank Visa credit card for the past 2 years. I get reward points, cash back offers, fuel surcharge waiver on this card. There are also lot of online offers given in this card. I am happy with the credit limit. The rate of interest is nominal on this card and I can say it is a good card to use.
      Was this review helpful? 0
      , jamshedpur
      Reviewed on Jun 22, 2017
    • HDFC Bank Credit Card
      "Convenient for shopping"
      0.5 3.0/5 "Satisfactory"
      HDFC is good in offers for shopping, movie tickets and they are giving some good cash back offers in online shopping like Amazon, Mantra, Filpkart etc. My credit limit is not upto the mark, I had been using this HDFC credit card around one year and I am not satisified with it.
      Was this review helpful? 0
      , faridabad
      Reviewed on Jun 22, 2017
    • HDFC Bank Credit Card
      "Very good services"
      0.5 5.0/5 "Blown Away!"
      HDFC Bank is perfect in the credit card services. They had never taken any hidden charges. The statements are clear and on time too. The customer services and response has been good and overall the bank is also good in the offers too, also the limit offered by them is prefect too.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 22, 2017
    • HDFC Bank Credit Card
      "Nice experience"
      0.5 4.0/5 "Great!"
      I hold a credit card of HDFC Bank, till date there were no hassles. The experience has been good and the bank has been beneficial in the offers and the other features on the card. The online banking is also perfect as I can view all my transactions transparently.
      Was this review helpful? 0
      , salem
      Reviewed on Jun 22, 2017
    • HDFC Bank Credit Card
      "Nice experience"
      0.5 4.0/5 "Great!"
      The level of service offered by HDFC Bank has been good overall. The process of getting my credit card was easy and the offers on the card is also good. I use it and the points I earn can be redeemed too. The transactions on the card always goes through and it has been a hassle free experience overall.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 22, 2017
    • HDFC Bank Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      I do have HDFC bank credit card from the last two years of time. Credit limit was increased for me like around 80000 Rupees. Customer service is quite good one and I have not faced any issues, also I have not got any offers with them and no regular alerts too.
      Was this review helpful? 1
      , rajkot
      Reviewed on Jun 21, 2017
    • HDFC Bank Credit Card
      "Good Card to use"
      0.5 4.0/5 "Great!"
      Using HDFC bank platinum times card for past 4 months. I am getting reward points, cash back offers, fuel surcharge waiver with this card. The interest rate is high when compared with others. I am happy about the credit limit. I am satisfied using this credit card with HDFC bank.
      Was this review helpful? 1
      , coimbatore
      Reviewed on Jun 21, 2017
    • HDFC Bank Credit Card
      "Average "
      0.5 3.0/5 "Satisfactory"
      Payment are not reflecting on immediate on my HDFC bank credit card, also the interest charges are really huge, which was the major drawback. I am using this credit card from the last one year of time and the response is a kind of okay , also they used to provide the statements in a perfect way.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 21, 2017
    • HDFC Bank Credit Card
      "UnHappy with the Service"
      0.5 3.0/5 "Satisfactory"
      I am using money back credit card of HDFC bank and the yearly charges were amounting to rs 300.The bank had me a offered a good credit limit which is very much satisfactory. They are providing reward points and cash back offers. But I am not happy with the bank for the credit card services. I have faced some sort of issues with the bank.
      Was this review helpful? 0
      , indore
      Reviewed on Jun 21, 2017
    • HDFC Bank Credit Card
      "Excellent "
      0.5 5.0/5 "Blown Away!"
      I do have credit card with the HDFC bank and am using it from the last two years of time. Customer service is great one and the credit limit value is around 1 lakh Rupees. Penalty charges are nominal one with the HDFC bank credit card, also there are no worries.
      Was this review helpful? 0
      , nagpur
      Reviewed on Jun 21, 2017
    • HDFC Bank Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      HDFC bank credit card is good for the usage. The credit limit provided by the bank is more satisfactory. They are good in providing offers like cash back and reward points. Those points are really useful and redeemable. I am happy in terms of the credit card with HDFC bank.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 21, 2017
    • HDFC Bank Credit Card
      "Very good card to use"
      0.5 5.0/5 "Blown Away!"
      I usually get 25% off on book my show not only that. I also get very good offers from the online portal for instance reward points, cash back offers and fuel surcharge wavier which is applicable on this card and these are all the highlights on my HDFC Titanium credit card. I am very much happy about the credit limit too. Rate of interest is very much competitive on this card.
      Was this review helpful? 0
      , pune
      Reviewed on Jun 21, 2017
    • HDFC Bank Credit Card
      "Customer Oriented"
      0.5 5.0/5 "Blown Away!"
      When I was taking the personal loan from HDFC bank, the bank voluntarily provided credit card for me. The executives filled the application and approved the card within an hour. Post which they delivered the card in three days. I never provided any proofs to avail the card. The HDFC bank is customer oriented.
      Was this review helpful? 0
      , salem
      Reviewed on Jun 21, 2017
    • HDFC Bank Credit Card
      "Excellent "
      0.5 5.0/5 "Blown Away!"
      HDFC bank credit card is the best one to have and am happy with that till now. I got the maximum credit limit, also the benefit is too good. Customer service is fine one for me and the response is an immediate one with the HDFC bank credit card.
      Was this review helpful? 0
      , guwahati
      Reviewed on Jun 21, 2017
    • HDFC Bank Credit Card
      "Customers bank"
      0.5 4.0/5 "Great!"
      I would like to say HDFC bank credit card is quite honest to dealt like sometime they used to waive off the processing charges and the late payment fee for customer at sometimes. Customer service is good one with the HDFC bank credit card, also the credit limit is also a good one.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jun 21, 2017
    • HDFC Bank Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      The HDFC bank is very good and they handle the customers in a customer friendly approach. Based on the personal, I am eligible to get the Credit card from HDFC bank . But I have never submitted any kind of documents to them, still they told my card will be delivered within promised time.
      Was this review helpful? 1
      , dindigul
      Reviewed on Jun 20, 2017
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    HDFC Bank Business Gold Credit Card

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Credit Card BYTES FROM OUR KITCHEN

    Overview:

    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 card’s 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.

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