Running a small business or freelancing? The HDFC Giga Business Credit Card could be your secret weapon — offering 1.5% cashback, industry-grade perks, and smarter expense tracking. Let’s break down what it truly offers, powered by insights from the official HDFC terms & conditions.
Key Features at a Glance
Joining & Annual Fee: ₹500 + GST; waiver on ₹50,000 annual spend
- Earn Points on Tax and GST Payments – Feature that is provided by extremely few cards
Cashback:
2 CashPoints per ₹150 on regular business spends
6 CP per ₹150 (3X) on business digital spends — like ads, software, GST payments, income tax, and bill payments via PayZapp/SmartPay
Milestone Benefit: Earn 800 bonus CashPoints each month when monthly spends hit ₹50,000
Fuel Surcharge Waiver: 1% waiver (up to ₹250/month) on fuel transactions (₹400–₹5,000)
Airport Lounge Access: Unlimited domestic lounges (12–16 per year) per official promotional page
SmartBuy BizDeals: Discounts on business tools (Zoho, WeWork, Harappa, LegalWiz, etc.) via HDFC’s curated platform
Extended Credit Period: Up to 55 interest-free days
Why It’s Made for You
This card is ideal for:
- Freelancers & consultants purchasing software, paying taxes, or handling subscriptions
- Small business owners making frequent digital spends
- Self-employed individuals needing business-personal expense segregation
Meet Priya — A Marketing Consultant in Ahmedabad
Priya spends heavily on digital tools and vendor service
| Expense Category | Monthly Spend | Rate | Monthly Cashback |
|---|---|---|---|
| Google/Facebook Ads | ₹30,000 | 6 CP/₹150 → ₹300 | ₹300 |
| Accounting + SaaS Tools | ₹10,000 | 6 CP/₹150 → ₹100 | ₹100 |
| Income Tax / GST payments | ₹30,000 | 6 CP/₹150 → ₹300 | ₹300 |
| Regular business spends | ₹20,000 | 2 CP/₹150 → ₹66 | ₹66 |
| Monthly Milestone Bonus | – | 800 CP → ₹200 | ₹200 |
| Total Benefit | ₹966+ |
Plus:
- Up to 7.5% discount on her dining bills with Swiggy-Dineout by paying via Swiggy App
- Unlimited domestic lounge visits for business travel
- Discounts on tools like Zoho, Harappa & more
Total monthly value: Approximately ₹1,000 → ₹12,000/year, excluding lounge and discount benefits.
Key Pros & Cons
Pros – HDFC Giga Business Credit Card
- 1.5%–3% effective rewards on digital spends
- Unlimited domestic lounge access
- 55-day interest-free period
- Built-in business expense tracking
Cons – HDFC Giga Business Credit Card
- Card fee, needs ₹50K annual spend for waiver
- No international lounge access
- Requires some spend tracking to maximize benefits
- Cashback mainly as CashPoints, not direct credit
The HDFC Giga Business Credit Card is perfect for digital-era freelancers and entrepreneurs who regularly spend in business channels. With structured cashback, lounge access, and service discounts, it delivers exceptional value — especially when paired with PickMyWork’s referral options.
How to Apply via PickMyWork
- Sign up on PickMyWork
- Choose ‘HDFC Giga Credit Card’ in the app
- Apply or refer others
- Earn commission on each approved application
Apply now or start referring on PickMyWork App – Download Link – Android, iPhone
FAQs — HDFC Giga Business Credit Card
Q: Who is eligible?
Self-employed Indian citizens aged 25–65, with ITR ≥ ₹4 lakh
Q: Any other credit card for me if I am salaried?
Yes, another great credit card from HDFC – HDFC Regalia Gold. Find out more here. Apply here
Q: What counts as digital spends?
Advertising, accounting, software, cloud hosting, GST/income tax payments, PayZapp/SmartPay bill payments
Q: How do I earn the 6 CP rate?
Ensure the transaction matches specified Merchants and is ₹150+
Q: What is the monthly bonus for ₹50K spend?
Receive 800 bonus CashPoints (~₹100) when spending ₹50,000 in a month
Q: How do I apply/referral?
Apply via PickMyWork to earn commission for yourself and your network.
