HDFC Business Gold Credit Card Review

Business credit cards are especially curetted credit cards for business-related uses. For small business owners, having such a credit card is extremely useful in maintaining everyday business-related expenses. Those cards often feature some useful tools which are extremely useful in maintaining your account. 

The HDFC Business gold credit card is a business credit card, designed to take care of your travel-related expenses. Apart from travel, this card offers some very useful benefits and features like reward points, fuel surcharge waiver, EsayEMI option, Add-on card option, option to set a limit for your supplementary cards, etc. Now let’s take a look at the cards and see how much benefit this card can offer us.

HDFC Business Gold Credit Card Eligibility Criteria:

HDFC Bank has not cleared the eligibility criteria for this card, but as per our experience with HDFC, we can say that it should be like this. 

  • Resident Type: Indian
  • Employment type: Self-employed. 
  • Age: 21 to 65 years. 
  • Income: The annual Income Tax Return should be greater than Rs. 6 lakh. 
  • A long relationship with the bank will help you to get this hdfc bank gold credit card
  • A good credit score is mandatory to apply for this card. 

If you are applying for hdfc credit card for the first time, or if you are confused with the hdfc credit card application process then, click here to know how to apply a credit card in HDFC bank.

Required Documents To Apply For This Gold Credit Card:

  • Photocopy of Address proof (any 1)
    • Last 6 months bank account Statement
    • Aadhar Card
    • Driving License
    • Passport
    • Utility bills
  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Two recent passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      • Salary Slip of last 3 months
      • ITR (Income Tax Return) 
    • Self-employed person
      • Income tax return of the last year
      • Proof of business

Once your application for hdfc credit card is submitted successfully you can track status of hdfc credit card application using your application no. If you don’t know the process then click here to know how to track hdfc bank credit card online application status using application no. You can also click here to go directly to the hdfc credit card status tracking page. 

HDFC Credit Card Fees:

  • HDFC gold credit card joining fee: Rs. 500 + GST
  • HDFC gold credit card annual fee: Rs. 500 + GST

HDFC Bank has a very easy online bill payment system, you can make your hdfc credit card bill payment through net banking, PayZapp, or by using any credit card bill payment app. But if you don’t want to pay hdfc credit card bill online, then there is an offline option available. You can visit our FAQ page to know more about offline payment options.

HDFC Business Gold Credit Card Benefits:

  • Exclusive hdfc bank credit card cashback offer:

Using this card you can earn exclusive cash backs from your expenses. On each utility bill payment made with your card, you will get 1% cashback.

  • Attractive rewards:

You will be rewarded for almost every transaction made with this card. Every transaction above Rs. 150 is eligible for earning reward points. You can check your earned points from your hdfc credit card net banking account or from your hdfc credit card online statement

You can redeem hdfc bank credit card points very easily using your net banking account. You can also use your points to get a product from the hdfc credit card redemption catalog

  • Huge benefits on travel booking:

This card is best for offering benefits on travel-related spending. You can have a better idea about the hdfc credit card travel offers from the table given below. 

Category Total benefit
Flight tickets booked via domestic airlines websites 1% discount on hdfc credit card ticket booking bill (Maximum Rs. 500 per credit cycle)
Railway ticket booked via IRCTC website A waiver on railway surcharges (Maximum Rs. 500 per credit cycle)
  • Freedom from fuel surcharge:

Use this hdfc credit card for fuel purchase and you will get up to Rs. 250 waiver on fuel surcharges. This hdfc credit card offer is applicable at all fuel stations in India, the transaction amount should be between Rs. 400 to Rs. 5000 and you can earn a maximum of Rs. 250 waiver in a billing cycle of hdfc credit card

  • Annual fee waiver option:

If you can spend Rs. 50,000 with your gold credit card within a year, you will get a complete waiver on the next year’s annual fee. As per new hdfc credit card rules , the online transaction on new credit cards is turned off due to security reasons. But you can turn it on manually from your online hdfc credit card net banking account.

  • HDFC credit card balance transfer facility:

Using the balance transfer facility, you can convert the outstanding of a credit card to this Business Gold Card and you will get a few more days to clear your dues. Make sure to check the available credit Gold credit card limit before performing any balance transfer to hdfc credit card.

  • Easy EMI:

With the help of the EasyEMI option, you can buy your business essentials in bulk in EMI with a nominal interest rate. You can convert hdfc credit card bill into emi from your hdfc bank credit card net banking account. If you are confused with the hdfc credit card emi conversion then feel free to visit our FAQ page to know the complete process. 

  • Automatic bill payment option:

HDFC bank has an automatic bill payment facility named AutoPay. If you register your card with it, your monthly utility bills will be paid automatically within the due dates. You can control the hdfc credit card autopay option from the mobile app for hdfc credit card

  • Lifetime free add on cards:

HDFC Bank offers add-on cards without any extra charges. So you can offer your employees a card so that they can perform the necessary business-related payments.    

  • Complete control over add-on cards:

You can set a monthly Gold credit card limit for your add-on members, from the hdfc mobile app for credit card . This feature is extremely useful to maintain a monthly budget. The hdfc add on credit card apply online process is very simple, you can do it very easily by visiting your nearest HDFC branch

  • Advanced security of the EMV chip:

HDFC bank has pre-installed an advanced EMV chip on this card. This chip uses a highly secured encryption method to store your data which makes your card more secure than before. 

But fraudulent transactions can happen at any time, therefore you should know how to block a credit card instantly. You can do it very easily from your hdfc net banking credit card account, hdfc credit card mobile app , or with just a phone call to the hdfc credit card customer care number .

HDFC Business Gold Credit Card Charges:

Particulars Payable Amount
Charges for cash withdrawal by credit card  2.5% against the transaction amount, min Rs. 500
Finance charges on hdfc credit card 3.49% monthly or 41.88% monthly.
HDFC credit card international transaction charges 3.5% against the transaction amount.
Add-on card fee Free for a lifetime. 

As per the instruction of RBL International transactions on new credit cards are turned off to enhance the security of your card. You can turn it on very easily from your online banking account.  You can also visit our FAQ page to know how to enable international transactions on hdfc credit card

HDFC Bank Credit Card Contact Details:

  • Call the customer care no of HDFC business gold credit card: 1800-266-4332 (Toll-free) or 022-616-6161
  • Write to the hdfc bank credit card customer care mail id:  

If you don’t want to keep your old HDFC credit card, then you can close it very easily. IF you are interested to know how to close hdfc credit card account, then feel free to visit our FAQ page. You can also download the hdfc credit card closure form from here.

100xGain Ratings: 


Final Opinion:

If you want a credit card to take care of the travel needs of your business, then this HDFC business gold credit card will be a good option for you. You will get 1% cashback on flight tickets and up to Rs. 500 monthly waiver on railway surcharges, and a good amount of fuel surcharge waiver per month. 

But this gold credit card does not offer anything on lounge access and hotel bookings. Both of which are very useful for traveling. But if your budget is low and you want to earn cashback and reward points, then you should go for this card. 

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