|HDFC Bank Business Gold Credit Card|
|Type of Card||Chip technology-enabled credit card|
|Cash Advance Fee||2.5%, subject to at least Rs. 500|
HDFC Bank Business Gold Credit Card offers lucrative rewards, travel insurance for abroad travel, cashback on payment of utility bills, easy EMIs, add-on card, SmartPay for simplified payments, and more. This credit card gives a wide range of shopping benefits. It has a waiver on annual fees for the second year if you spend Rs. 50,000 in a year. After which, the renewal fee is only Rs. 500. The interest is nominal, and even lesser if you get the card against a fixed deposit.
In this post, we will discuss HDFC Business Gold Credit Card features, fees and charges, and frequently asked questions.
Here are the features of this HDFC Bank Credit Card:
On every spend of Rs. 150 and above, you can earn reward points. It is possible to redeem the rewards through net banking for a purpose.
Get surcharge waivers on railway tickets. But these tickets must have been booked on irctc.co.in. There is an opportunity to earn up to Rs. 500 per statement. Also, get 1% cashback on booking of air tickets if done on domestic airline websites. This shall also earn you up to Rs. 500 per statement. Moreover, you get the benefit of HDFC ERGO Travel Insurance Policy for secured travel abroad.
You can transfer the outstanding balance on the existing credit card on your HDFC Business Gold Credit Card, and make better savings.
On paying utility bills, then you get 1% cashback on the bill amount.
With the Sub Limit facility, you gain better control and security over finances. You can set aside a portion of the credit limit per statement cycle for online spending. So, this prevents misuse of spending online.
Here are more details:
HDFC Business Gold Credit Card Interest Rate is 3.49% per month. The interest is applicable on the outstanding balance, which is carried even after the bill due date. If the card is issued on a fixed deposit, then the rate applicable is only 1.99% per month.
The fee applicable is 2.5%, subject to at least Rs. 500. This fee applies to all cash withdrawals.
The annual fee is paid for the first year. But for the next year’s annual membership, you can get a waiver on spending Rs. 50,000 in a year. Also, then you can renew the annual membership by paying only Rs. 500.
Here are the FAQs on this type of HDFC Bank Credit Card:
Here, you can purchase products with a credit card. You can avail of credit and repay easily in monthly installments. There is no need for documentation. You will receive quick approval.
Yes, you can avail an additional credit card on your existing HDFC Bank Business Gold Credit Card.
The bank provides chip technology credit cards. This gives higher security for your finances. Also, there is zero liability if you lose the card but report it immediately.
Yes, you can get 50 days of interest-free credit, from the date of purchase, on using HDFC Business Gold Credit Card.
You can register on SmartPay and enjoy simplified payments.