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HDFC Business Gold Credit Card

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Updated: 20-08-2025 07:43:45 AM

HDFC Business Gold Credit Card offers lots of features and benefits that will help you manage your business’s expenses. Cashback on purchases, travel insurance are some of the key features of this credit card.

Key Highlights HDFC Business Gold Credit Card
  • 1 % cashback on air tickets booked through domestic airline websites
  • International Travel Insurance Policy
  • Surcharge waivers on rail tickets
  • Fuel Surcharge Waiver

Eligibility | Apply | Fees | FAQs

Note: This Card is no longer being issued to new customers by HDFC Bank. The content on this page is for information for the existing Business Gold cardholders only.

HDFC Business Gold Credit Card – Features & Benefits
HDFC Business Gold Credit Card Fees and Charges
HDFC Business Gold Credit Card Eligibility & Documentation
How to apply for HDFC Business Gold Credit Card?
FAQs

HDFC Business Gold Credit Card – Features & Benefits

Travel Benefits – Get the following benefits:

  • 1% cashback on flight tickets booked via domestic airline websites. Up to Rs. 500 per month
  • Enjoy surcharge waivers on rail tickets booked through irctc.co.in. Up to Rs 500 off per month

Travel Insurance – Travel abroad securely with HDFC ERGO Travel Insurance Policy.

Cashback – 1% cashback Utility Bill Payments.

Balance Transfer – Transfer outstanding dues on other credit cards to HDFC Business Gold Credit Card and incur lower credit card interest rate.

Revolving Credit Facility – Carry forward unpaid credit card bills into next month and incur an interest rate of 3.49% per month only.

HDFC Business Gold Credit Card Fees and Charges

Following are the major cost associated with the usage of this card:

Fee/Charge Amount/Rate
Joining Fee Rs. 199
Annual Fee Rs. 199
Interest-free Credit Period Up to 50 days
Minimum Repayment Amount 5% or minimum of Rs. 200
Add-on Card Fee Nil
Revolving Credit Charges 3.60% p.m.
Cash Advance Charges 2.5% of withdrawn amount or Rs. 500, whichever is higher
Payment Return Charges 2% of the payment amount or minimum Rs. 450
Late Payment Charges For Statement Balance

Up to Rs. 100: Nil
Rs. 101 to Rs. 500: Rs. 100
Rs. 501 to Rs. 1,000: Rs. 500
Rs. 1,001 to Rs. 5,000: Rs. 600
Rs. 5,001 to Rs. 10,000: Rs. 750
Rs. 10,001 to Rs. 25,000: Rs. 900
Rs. 25,001 to Rs. 50,000: Rs. 1,100
More than Rs. 50,000: Rs. 1,300
Over Limit Fee 2.5% of the over limit amount subject to minimum of Rs. 550
Foreign Currency Markup Fee 3.5%

HDFC Business Gold Credit Card Eligibility & Documentation

Following eligibility criteria is to be fulfilled to avail HDFC Business Gold Credit Card:

  • The applicant must be in the age group of 21 years to 65 years.
  • The applicant must be a resident of India.

Documents Required

Business credit cards need two-fold verification. Hence, proof of identity, address and income will be required for the applicant as well as for the business. Given below are a few documents that can be accepted by the bank-

Proof of Identity For Applicant- Aadhaar, PAN, Voter’s ID, Driving License, Passport, etc.

For Business- PAN Card of the business, License/Registration, Partnership Agreement, etc.
Proof of Address For Applicant- Voter’s ID, Passport, Aadhaar, Driving License, Ration Card or other government-approved address proof

For Business- Business License/Registration, Business PAN, Partnership Agreement, etc.
Proof of Income P&L Statement of the Business, Balance Sheet, Acknowledged ITR, etc.

How to apply for HDFC Business Gold Credit Card?

To apply for HDFC Business Gold Credit Card, one can do any of the following:

  • Visit any nearby branch of HDFC bank and apply for the credit card
  • Call customer care and place a request
  • Apply online via the official website of HDFC Bank

The bank will guide the applicant with the necessary documents that need to be submitted along with the duly filled in application form along with the other aspects of the application.

Important: As per RBI guidelines, issuance of new credit cards on Mastercard platform has been discontinued until further notice. Normal card services will continue for existing users.

 

FAQs

What is the maximum benefit that can be availed in a year from HDFC Business Gold Credit Card?

Users can enjoy business saving up to Rs. 21,000 per year from HDFC Business Gold Credit Card.

How does Easy EMI scheme work?

HDFC has tied up with some merchant outlets under the Easy EMI program. Visit any one of those outlets and select the product. While making the payment, inform the cashier that you wish to buy this product under EMI via your HDFC Business Gold Credit Card. A one-time processing fee will be charged on the transaction.

Is there any additional charge to be paid for booking railway tickets via HDFC Business Gold Credit Card?

Yes, 1.8% of the transaction amount along with GST is to be paid.

Is there any mark-up fee for overseas funds transactions for Business Gold Credit Card?

Bank will impose 3.5% of the transaction amount as a mark-up fee for international transactions.

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