HDFC Bank Giga Business Credit Card

Lounge access

• No complimentary lounge access is listed for GIGA Business in the official MITC.
• Complimentary lounge access within India is specified only for BizBlack Metal Card and BizPower, not for GIGA Business.

Verified · Key Fact Statement cum Most Important Terms & Conditions (MITC) - Business Credit Cards (covers GIGA Business), updated 14th July 2025 · 2026-07-30 · source

Forex markup

3.5% of transaction value on Foreign Currency Transactions (currency conversion rate as on settlement date applicable).

Verified · Key Fact Statement cum Most Important Terms & Conditions (MITC) - Business Credit Cards (covers GIGA Business), updated 14th July 2025 · 2026-07-30 · source

Interest-free period

• Interest free credit period ranges from 25 to 55 days (GIGA Business).
• Not applicable if previous month's balance is not cleared in full or if cash withdrawn from ATM.

Verified · Key Fact Statement cum Most Important Terms & Conditions (MITC) - Business Credit Cards (covers GIGA Business), updated 14th July 2025 · 2026-07-30 · source

Charge

• Cash advance fee: 2.5% or ₹500 whichever is higher.
• Finance charges (revolving credit & cash advances): 3.75% per month (45% annually).
• Late Payment Charges (w.e.f 1st Aug'24): Nil up to ₹100.
• ₹100 (₹101-500).
• ₹500 (₹501-1,000).
• ₹600 (₹1,001-5,000).
• ₹750 (₹5,001-10,000).
• ₹900 (₹10,001-25,000).
• ₹1,100 (₹25,001-50,000).
• ₹1,300 (above ₹50,000).
• Overlimit charge: 2.5% of overlimit amount, min ₹550.
• Payment Return Charges: 2% of payment, min ₹450.
• Cash Processing Fee: ₹100.
• Balance Transfer Processing: 1% of BT amount or ₹250 whichever higher.
• Duplicate physical statement: ₹10.
• Rewards Redemption Fee: ₹99.
• Cashback Redemption Charges: ₹50.
• Rent Pay (w.e.f 1st July 2025): 1% of transaction, capped ₹4999/txn.
• Reissue of Lost/Stolen/Damaged Card: ₹100.
• Dynamic currency conversion Markup Fee: 1% (revised to 1.75% w.e.f 15th May 2026).
• Add-on Card Fee: Lifetime Free.
• Fuel Charges: 1% on fuel spends exceeding ₹30,000 for business cards, capped ₹4999/txn.
• Utility Charges: 1% on utility spends exceeding ₹75,000/month for business cards, capped ₹4999/month.
• Education Charges (third party apps): 1%, capped ₹4999/txn.
• Online Skill based Gaming (w.e.f 1st July 2025): 1% on spends exceeding ₹10,000/month, capped ₹4999/month.
• Wallet Loading excl PayZapp (w.e.f 1st July 2025): 1% on spends exceeding ₹10,000/month, capped ₹4999/month.
• Card Validation charges: ₹2.
• Outstation Cheque Processing: ₹25 (up to ₹5,000)/₹50 (above ₹5,000).
• Card re-issuance fee (w.e.f 15th May 2026): ₹199 non-metal / ₹3,500 metal variants.

Verified · Key Fact Statement cum Most Important Terms & Conditions (MITC) - Business Credit Cards (covers GIGA Business), updated 14th July 2025 · 2026-07-30 · source

Fuel surcharge waiver

1% fuel surcharge waiver at all fuel stations across India on minimum transaction of ₹400 and maximum transaction of ₹5000, capped at ₹250 per statement cycle (GST on fuel surcharge not reversed).

Verified · Giga Business Credit Card product page · 2026-07-30 · source

Reward cap

• Accelerated 3X CashPoints on business spends capped at 1500 CP per statement cycle.
• Maximum reward points that can be earned in a statement cycle for GIGA Business is 15,000.

Verified · harvested from product page · 2026-07-30 · source

Milestone benefit

• Cardholder is eligible for milestone benefit on achieving spend target of ₹63,000 in a month using the GIGA Business credit card.
• Fuel & rent spend transactions are not considered under spend target achievement.

Verified · harvested from product page · 2026-07-30 · source

Redemption value

• CashPoints redeemed as cashback against statement balance at 1 CashPoint = ₹0.25.
• Reward Points/CashPoints valid only for 2 years from date of accumulation.
• Minimum amount required for cashback redemption for GIGA is 250.
• Rewards Redemption Fee ₹99 per redemption request.
• Cashback Redemption Charges ₹50 per cashback redemption.

Verified · Giga Business Credit Card product page · 2026-07-30 · source

Reward exclusion

Verified · harvested from product page · 2026-07-30 · source

Travel benefit

Exclusive savings on hotel & flight bookings via SmartBuy BizDeals.

Verified · Giga Business Credit Card product page · 2026-07-30 · source

Statement credit

Up to ₹1,800 cashback in the first calendar year and e-vouchers worth up to ₹800 for adding 2 or more bills on SmartPay (HDFC Bank utility bill payment service).

Verified · Giga Business Credit Card product page · 2026-07-30 · source

Official terms

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

Verified · harvested from product page · 2026-07-30 · source