Choosing the right business credit card is essential for optimizing your spending and maximizing rewards. HDFC Bank offers two great options for freelancers and business owners: the HDFC Giga Business Credit Card and the BizFirst Credit Card.
1. HDFC Giga Business Credit Card
Designed for freelancers and contract employees, this card offers great value for business expenses.
- Annual Fee: ₹500 + GST (waived on spending ₹50,000/year)
- Reward Rate:
- 3X CashPoints (CP) on advertising, cloud hosting, software purchases.
- 2 CP for every ₹150 on other spends.
- Discounts & Benefits:
- Up to 43% off on partner brands like Zoho and Upgrade.
- 7.5% discount on dining via Swiggy DineOut.
- 800 CP as a milestone benefit for spending ₹50,000/month.
- Welcome Benefit: 1-month free OTT subscription (SonyLiv, Zee5, etc.).
- Ideal for: Freelancers needing rewards on business essentials.
Apply Now: HDFC Giga Business Credit Card
2. HDFC BizFirst Credit Card
A well-rounded card for business owners focused on managing everyday business costs.
- Annual Fee: ₹500 + GST (waived on spending ₹50,000/year)
- Reward Rate:
- 3% CP on EMI spends.
- 2% CP on utility bills, SmartPay/Payzapp.
- 1% CP on other spends, including UPI.
- Discounts & Benefits:
- 7.5% discount on dining via Swiggy DineOut.
- 2,000 CP as a milestone benefit on spending ₹75,000/quarter.
- Welcome Benefit: Amazon voucher worth ₹250.
- Ideal for: Business owners seeking rewards on EMI and bill payments.
Apply Now: HDFC BizFirst Credit Card
Which one is for you?
- Giga Business Credit Card: Ideal for freelancers looking for rewards on business-related digital spends.
- BizFirst Credit Card: Best for business owners needing rewards on EMI and utility payments.
Both cards offer competitive benefits and low fees, making them great options for managing your business finances!