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
      "Good Bank"
      0.5 5.0/5 "Blown Away!"
      I have credit card with HDFC bank. Which is free for a year, after a year the annual fee is around 500 rupees. I did not receive cash back offers but I used to get reward points from the bank. Credit limit is quite ok for my requirement. I am happy with HDFC bank.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 23, 2017
    • HDFC Bank Credit Card
      "Recommendable Bank"
      0.5 4.0/5 "Great!"
      As per my experience with HDFC bank for credit card, HDFC is a recommendable bank for those who are seeking for credit card. I got good credit limit from the bank with other benefits like reward points and cash back offers. I faced no issues from HDFC bank till date.
      Was this review helpful? 0
      , kanchipuram
      Reviewed on May 23, 2017
    • HDFC Bank Credit Card
      "High in charges"
      0.5 2.0/5 "Expected more"
      I am using HDFC credit card but planning to close the card. Actually the bank offered life time free card for the usage but when I missed the due date once, I was delay for one day for that they charged me around 400 rupees which is too high. Hence I am not interested in using HDFC card, I will close it soon.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 23, 2017
    • HDFC Bank Credit Card
      "Excellent "
      0.5 5.0/5 "Blown Away!"
      I am having the credit card with the HDFC bank because they regularly update the credit limit and they used to give the points and they are understanding the customer. I am with them from the last five years of time. Response is very good one with the HDFC bank credit card.
      Was this review helpful? 0
      , ahmednagar
      Reviewed on May 23, 2017
    • HDFC Bank Credit Card
      "Better card to use"
      0.5 5.0/5 "Blown Away!"
      I am maintaining a Hdfc Platinum times credit card for past 3 years, I have 5000 reward points on this card, but I haven't used it . Equated monthly installments are convertible very easily with Hdfc card. I am happy with the credit limit. Overall very good service on my Platinum Times Card.
      Was this review helpful? 0
      , chennai
      Reviewed on May 23, 2017
    • HDFC Bank Credit Card
      "Good in offers"
      0.5 4.5/5 "Excellent!"
      HDFC Bank has been good in the credit card services as well. The bank has excellent deals and the credit limit is also good and to my satisfaction. The card is accepted at all outlets and there are flexible options of EMI online at Ecommerce portals.
      Was this review helpful? 0
      , vadodara
      Reviewed on May 23, 2017
    • HDFC Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I got credit card from HDFC bank with the limit of one lakh and twenty five thousand rupees. There is no annual fee for the card. Though I am not getting cash back offers but I am getting loan against my credit card with the lowest interest rate.
      Was this review helpful? 1
      , hyderabad
      Reviewed on May 23, 2017
    • HDFC Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I availed credit card from HDFC bank which is a life time free card. I am getting more benefits from the bank more often. Their services are quite good and there was no problem with the bank for credit card usage. Their way of customer approach is good.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 23, 2017
    • HDFC Bank Credit Card
      "Satisfied with the offers"
      0.5 5.0/5 "Blown Away!"
      HDFC Bank is the best for credit cards because they have a variety of options on it. The customer support is also good and there are no hassles in using the card online for purchases. The transactions goes through smoothly and I also get intimated instantly.
      Was this review helpful? 0
      , satna
      Reviewed on May 23, 2017
    • HDFC Bank Credit Card
      "Quick in process"
      0.5 5.0/5 "Blown Away!"
      I have taken a personal loan from HDFC Bank and I received a proper response as I am a long time customer. The team was cooperative on giving me details and also processing the same quickly. The bank was a bit high on the interest rate and processing charges.
      Was this review helpful? 0
      , satna
      Reviewed on May 23, 2017
    • HDFC Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      HDFC bank is good in providing the credit card services. The credit limit and interest rate are very convenient for me. But then, it is not as good as Citi bank. The bank is regularly providing reward points and cash back offers based on my usage. The services are good with HDFC.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 23, 2017
    • HDFC Bank Credit Card
      "Average "
      0.5 2.0/5 "Expected more"
      Hdfc has sent me mail saying that my Credit card application got pre approved and pre-qualified, after that, Hdfc executive gave a call and they told because of my personal due, it haven't approved, that was the reason I haven't got the card with HDFC bank. The rate of interest is nominal with HDFC card. They have explained me about the product very clearly.
      Was this review helpful? 0
      , mysore
      Reviewed on May 23, 2017
    • HDFC Bank Credit Card
      "Fair"
      0.5 3.0/5 "Satisfactory"
      I am holding HDFC bank credit card from more than two years of time. Customer service is very good one with them and the credit limit value is around 30000 Rupees and am not really happy with them, also I don't want to increase it because the rate of interest was huge, also calculation of minimum due was not really good.
      Was this review helpful? 0
      , siliguri
      Reviewed on May 23, 2017
    • HDFC Bank Credit Card
      "Good Card to use"
      0.5 4.0/5 "Great!"
      The Titanium times credit card caries the different kind of benefits like reward points, cash back plans, the gift vouchers and the fuel surcharge waiver. I am happy with the credit limit. The rate of interest is nominal with this credit card. Overall happy using this card.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 23, 2017
    • HDFC Bank Credit Card
      "Good"
      0.5 3.0/5 "Satisfactory"
      I am having credit card with the HDFC bank and the credit limit value is fine one for me , also they have provided 3 lakh Rupees as limit. Customer service was not much delightful and I would like to say its an average one. Annual charges are nil with the HDFC bank credit card.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 22, 2017
    • HDFC Bank Credit Card
      "Lot of things to improve"
      0.5 1.0/5 "Really Bad"
      I hold a HDFC bank credit card and it is the all miles credit card like it gives much benefit for traveling sort of things. From the last one year of time, I am using this credit card. Customer service is not really good one because their number is always engaged, else it would be busy.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 22, 2017
    • HDFC Bank Credit Card
      "Very good services"
      0.5 5.0/5 "Blown Away!"
      The offers which are availiable on my HDFC credit card is good and it is a life time free card. The card is accepted at all portals and the offline stores as well. HDFC bank had given me a decent credit limit and my transactions has always gone through with ease. The billing cycle is quite satisfactory too.
      Was this review helpful? 0
      , chennai
      Reviewed on May 22, 2017
    • HDFC Bank Credit Card
      "Better Response"
      0.5 4.0/5 "Great!"
      HDFC bank offered a life time free card for me. The credit limit is quite good and it is satisfactory as per my usage. I am happy with HDFC bank services for my credit card. I do receive reward points and cash back offers regularly and I had no issues with the bank for my credit card.
      Was this review helpful? 0
      , chittoor
      Reviewed on May 22, 2017
    • HDFC Bank Credit Card
      "Satisfactory Service"
      0.5 5.0/5 "Blown Away!"
      I got a very good service from HDFC bank for my credit card. Actually I got personal loan from the same bank. Now I am happy that I have money in my bank account and card is in my pocket. HDFC bank is very good in providing standard service to the people.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 22, 2017
    • HDFC Bank Credit Card
      "Best"
      0.5 4.0/5 "Great!"
      I would like to say HDFC bank credit card is the best one because they are providing various offers at all the time. Customer service is also a good one. Response is also good and am using it from the last two years of time.
      Was this review helpful? 1
      , new delhi
      Reviewed on May 22, 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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