Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

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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:
      • 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
      "Need to be Transparent to the customer"
      0.5 4.0/5 "Great!"
      I have taken a credit card with HDFC bank.The limit is not sufficient to transact with the card.Net banking facility is not applicable for thus card as i don't have an account with them.The executives did not intimate about he insurance for the card however i have been charged for the same of Rs 900,contacted the bank they promised to reverse the charges.
      Was this review helpful? 1
      , bangalore
      Reviewed on Dec 15, 2017
    • HDFC Bank Credit Card
      "Better card to use"
      0.5 4.0/5 "Great!"
      I have a HDFC credit card from last 6-7 months, the credit card services are very good in HDFC bank when compared to all other credit cards. There is no annual fee in this credit card. I get 10% instant cash back on mobile purchase and Rs 2500 cash back on Make My Trip. I have a credit limit of Rs 45000 and the cash limit of Rs 18000. I use net banking for making payments and there is no transaction issues.
      Was this review helpful? 0
      , pune
      Reviewed on Dec 15, 2017
    • HDFC Bank Credit Card
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I have taken a credit card with HDFC bank.The limit on the card is 50,000.I pay an annual fees of 500 to hold this card.The card type is Simply save card.The phone banking service is good and net banking service is convenient to use.I am happy banking with them.
      Was this review helpful? 0
      , mumbai
      Reviewed on Dec 15, 2017
    • HDFC Bank Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      I have taken a credit card with HDFC bank.They have offered a limit of 40,000.I don't have to pay an annual fees to use this card.I use net banking to make payment for the card bills.Phone banking service is good and respond on time.I do get reward points for every purchase and offers for shopping but i don't utilize it.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 15, 2017
    • HDFC Bank Credit Card
      "Best"
      0.5 4.0/5 "Great!"
      I am having the HDFC bank credit card and am using it from the last seven to eight months of time. I would like to say that the customer service is very good one for me, also the credit limit value is an excellent one for me.
      Was this review helpful? 0
      , mumbai
      Reviewed on Dec 15, 2017
    • HDFC Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I do have HDFC bank credit card and am using it from the last two years of time. I would like to say that the response is fine one or me and the credit limit value is good one for me. I am happy with the HDFC bank credit card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 15, 2017
    • HDFC Bank Credit Card
      "Very good card to use"
      0.5 5.0/5 "Blown Away!"
      I use the HDFC bank credit card for shopping, for fuel, for electronic purchases and for other usages,. I am satisfied with the credit limit with the Credit limit, I have approached their customer support to increase the credit limit but they haven't increased it yet.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 15, 2017
    • HDFC Bank Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      My credit card was taken with HDFC Bank. I am using platinum credit card for past 8 months. They offered a credit limit of 15K which was not good. I didn't get much discounts with them. It is a life time free credit card. Best thing is I can transfer the money into my account without any charges.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 15, 2017
    • HDFC Bank Credit Card
      "Very good"
      0.5 4.5/5 "Excellent!"
      I have my credit card with HDFC bank.I hold diner's club International card and the credit limit was 50,000. The customer service and responses was satisfactory . MY overall experience was very good so I would like to recommend to friends and others.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 15, 2017
    • HDFC Bank Credit Card
      "Very good"
      0.5 4.5/5 "Excellent!"
      I have my credit card with HDFC bank.I hold diner's club International card and the credit limit was 50,000. The customer service and responses was satisfactory . My overall experience was very good so I would like to recommend to others and friends.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 15, 2017
    • HDFC Bank Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have taken a HDFC credit card with a limit toe lakhs.I don't have to pay an annual fees to hold this card.I have offers for shopping.Net and mobile banking is excellent to use. Phone banking response is prompt.The card was processed within 7 days of time.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 15, 2017
    • HDFC Bank Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      The updates are very good with the HDFC bank, The credit card statements are sent on time from the HDFC bank. I have the HDFC bank money back credit card for more than a year. The customer support is good with the HDFC bank credit card department. This card is valid up to 2020.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 15, 2017
    • HDFC Bank Credit Card
      "Need to be Transparent to the customer"
      0.5 5.0/5 "Blown Away!"
      I have applied for a credit card with HDFC bank.The limit on the card is 1.25 lakhs i am not satisfied with the limit on the card as they promised to give 3 lakhs.The bank has activated insurance for the card with the charges without informing me.I am totally not satisfied with the service as they need to be transparent to the customer.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 15, 2017
    • HDFC Bank Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      I am using Money Back credit card with HDFC Bank. The limit is very good and it is easy to do all my transactions. The reward points and cash back offers are fine. I am using this credit card for around 1 year. It is a life time free credit card. The charges are good.
      Was this review helpful? 0
      , mumbai
      Reviewed on Dec 15, 2017
    • HDFC Bank Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have taken a credit card with HDFC bank.the limit on the card is 75,000.I pay an annual fees to hold this card of Rs 1000.I do get offers on the card and the net banking and phone banking service is good.Overall its a good experience with the bank.
      Was this review helpful? 0
      , secunderabad
      Reviewed on Dec 15, 2017
    • HDFC Bank Credit Card
      "Best banking"
      0.5 4.0/5 "Great!"
      I have applied for a credit card with HDFC bank.The bank has approved for a limit of 60,000 i am not happy with limit as expected more probably will increase it in future.The rate of interest is high as compared to others.I don't have to pay an annual fees to hold this card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 14, 2017
    • HDFC Bank Credit Card
      "Satisfied with limit"
      0.5 5.0/5 "Blown Away!"
      I hold a HDFC credit card with a limit of 1 lakhs 25 thousand. I get reward points and cash backs with the card. There is no annual charges with HDFC. The customer service and response from the bank end was perfect. I am totally satisfied with the card.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 14, 2017
    • HDFC Bank Credit Card
      "Best banking"
      0.5 4.0/5 "Great!"
      I hold a HDFC credit card with a limit of 25,000. I need not pay an annul fees to hold this card.I have got best experience with hdfc bank. I pay my card bills by cheque.I use Mobile App as its very sufficient to transact.There is an EMI option on the card.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 14, 2017
    • HDFC Bank Credit Card
      "Not satisfied"
      0.5 2.5/5 "Just OK"
      HDFC Bank needs to work on their services overall for the credit card. The customer service is not up to the mark and I am not okay with the way the response is to the customer. The net banking is also not good and I need to wait for a long time to get connected. The offers and limit is okay.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 14, 2017
    • HDFC Bank Credit Card
      "Best banking"
      0.5 4.0/5 "Great!"
      I have taken HDFC a credit card with limit of 70,000 also I am happy holding the card.I pay an annual fees of 1000 to maintain the card.I have started using the card,I do get offers on the card.I make payment through online.The executives are good and they always respond on time.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 14, 2017
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