HDFC Bank Business Gold Credit Card Online

Lounge access

Card validation charge for domestic lounge access: ₹2 charged on the Credit Card, not reversed by the bank.

Verified · HDFC Bank Commercial/Corporate Credit Card MITC (covers Business Gold and other commercial cards) · 2026-08-04 · source

Forex markup

Cross currency markup of 3.5% on the transaction value (Business Corporate MoneyBack category).

Verified · HDFC Bank Commercial/Corporate Credit Card MITC (covers Business Gold and other commercial cards) · 2026-08-04 · source

Charge

• Cash advance charges: 2.5% on amount withdrawn or ₹500 whichever is higher.
• Revolving credit finance charge (Business Corporate Moneyback/Regalia): 3.49% per month (41.88% annually).
• Card issued against fixed deposit: 1.99% per month (23.88% annually).
• Maximum default interest rate 3.5% monthly (42% annually).
• Cash advance limit: 40% of credit limit (corporate liability) / 30% (individual liability).
• Add-on card fee: Not Applicable.
• Over-limit charge: 2.5% of over limit amount, minimum ₹500.
• Payment return charges: 2% of payment amount, minimum ₹450.
• Cash processing fee: ₹100.
• Rewards redemption fee: ₹99 per redemption request.
• Railway ticket purchase (HDFC Payment Gateway): 1.8% + GST.
• Reissue lost/stolen/damaged card: ₹100 per card.
• Outstation cheque processing: up to ₹5000 fee ₹25, above ₹5000 fee ₹50.
• Retrieval fee (charge slip): ₹125 per slip.
• Late payment charges: up to ₹100 = Nil.
• >₹100-500 = ₹100.
• >₹500-5,000 = ₹500.
• >₹5,000-10,000 = ₹600.
• More than ₹10,000 = ₹750 (w.e.f. 25 July 2022).
• Card validation charge - domestic lounge: ₹2 (not reversed).
• TDS 2% on aggregate cash withdrawals exceeding ₹1 Cr. Rent Pay: 1% fee on rental transactions, fee capped ₹4999 per transaction (w.e.f. 1 July 2025).
• Online skill based gaming: 1% fee on spends exceeding ₹10,000 per calendar month, capped ₹4999 per transaction (w.e.f. 1 July 2025).
• Wallet loading (excl PayZapp): 1% fee on spends exceeding ₹10,000 per calendar month, capped ₹4999 per transaction (w.e.f. 1 July 2025).
• Dynamic currency conversion markup fee: 1% on transactions in Indian currency at international location or India-merchants registered overseas (w.e.f. 1 Jan 2023).
• EMI payments not applicable on commercial cards.

Verified · HDFC Bank Commercial/Corporate Credit Card MITC (covers Business Gold and other commercial cards) · 2026-08-04 · source

Interest-free period

Up to 50 days interest-free credit period (ranges 20 to 50 days depending on scheme; not applicable if previous balance not cleared in full or if cash withdrawn from ATM).

Verified · HDFC Bank Commercial/Corporate Credit Card MITC (covers Business Gold and other commercial cards) · 2026-08-04 · source

Fuel surcharge waiver

• 1% fuel surcharge waived on fuel transactions between ₹400 and ₹5,000.
• Maximum waiver capped at ₹500 per statement cycle (GST applicable) for Business Corporate Money Back.
• Reward points are not accrued on fuel transactions.
• GST charged on fuel surcharge is non-refundable.

Verified · HDFC Bank Commercial/Corporate Credit Card MITC (covers Business Gold and other commercial cards) · 2026-08-04 · source

Redemption value

• Rewards Redemption Fee: ₹99 per redemption request.
• Reward Points are valid only for 2 years from the date of accumulation.
• If the Credit Card is not used for more than 365 days, Reward Points accrued will be nullified.

Verified · HDFC Bank Commercial/Corporate Credit Card MITC (covers Business Gold and other commercial cards) · 2026-08-04 · source

Reward exclusion

Effective 15 Apr 2016, Reward Points will not be accrued for fuel transactions.

Verified · Business Gold Credit Card Online product page · 2026-08-04 · source

Travel benefit

• 1% CashBack on air tickets booked through domestic airline websites (up to ₹500 per statement).
• Surcharge waivers on rail tickets booked via IRCTC (up to ₹500 per statement).
• HDFC ERGO Travel Insurance Policy for secure travel abroad.

Verified · Business Gold Credit Card Online product page · 2026-08-04 · source

Insurance

Travel abroad securely with HDFC ERGO Travel Insurance Policy.

Verified · Business Gold Credit Card Online product page · 2026-08-04 · source

Statement credit

1% CashBack on air tickets booked through domestic airline websites (up to ₹500 per statement).

Verified · Business Gold Credit Card Online product page · 2026-08-04 · source

Eligibility

We are currently not accepting new applications for the HDFC Bank Business Gold Credit Card (card no longer issued to new customers).

Verified · Business Gold Credit Card Online product page · 2026-08-04 · source

Official terms

https://www.hdfc.bank.in/commercial-credit-cards/business-gold-credit-card.

Verified · Business Gold Credit Card Online product page · 2026-08-04 · source