HHDFCGIGA Business
GIGA Business Credit Card
HDFC Bank · Business
CashPoints programme with savings up to Rs 53,000 annually on gig expenses.
- Joining fee
- ₹500
- Annual fee
- ₹500
- Waiver spend
- ₹50,000
- Forex markup
- 3.5%
Fee waiver
Spend ₹50,000 in a card year and the next annual fee is waived.
That is about ₹4,167 a month.
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Fee waiver: what is left to spend
Card EMI or personal loan?
Cost of paying only the minimum
How the app counts rewards
- 6 CashPoints per ₹200 on PayZapp bills, tax, GST and online ads (up to 1,500 a cycle)
- 2 CashPoints per ₹200 on groceries (up to 1,000 a month)
- 2 CashPoints per ₹200 on utilities (up to 2,000 a month)
- 2 CashPoints per ₹200 on insurance (up to 2,000 a month)
- 2 CashPoints per ₹200
No rewards on education, fuel, rent, wallet loads.
Points
CashPoints, worth about ₹0.25 each on the usual redemption. Expire after 2 years.
Who can apply
- Age 25 to 65
- Self-employed: income of ₹4,00,000 a year or more
Self-employed only: ITR over ₹4 lakh
Published minimums. Approval is the bank's decision.
Checked against the bank's terms. Banks change terms often, so check the latest terms before applying.
Taken from the bank's page. Rules data version 2026.10.04.
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