GIGA Business Debit card (2024)

Exclusive Benefits

Get up to ₹6000 CashBack* every year
2.5% CashBack points on every ₹250 spent on categories like SaaS, education, restaurant, air tickets, etc.
Get 1% CashBack pointon other spends (except govt, services, insurance)

*Terms and Conditions Apply

Added Delights

4 Complimentary Lounge Access Annually, based on spendsof Rs. 5000(1 per Calendar Quarter)

To compliment your adventurous expeditions, this card gets you 4 complimentary lounges access annually (once per calendar quarter) at domestic airports across India. For the list of lounges where the offer is valid and conditions.

You will get complimentary lounge benefit only if you spend ₹ 5000 or more in previous calendar quarter. For more informationclick here

Insurance Cover

The following are included in the insurance covers:

Death Cover by Air / Road / Rail - Sum Insured up to ₹10 lac.Click Herefor more details.
Now get additional International Air Coverage of flat ₹1 Crore on purchase of air ticket using your Debit Card.Click Hereto Know More.
Fire & Burglary for the items purchased under Debit Card (upto 90 days) - Sum assured ₹ 200,000.Click Herefor more details
Loss of checked baggage - sum assured ₹200,000.Click Herefor more details.
All Debit Card holders are required to use their Debit Card at retail OR on-line stores at least once every 30 days to keep the free Personal Death Insurance cover on their Debit Card active.
In the event the Insured Person(s) having multiple Cards issued by the Insured named in the Schedule, the Insurance Policy shall be applicable only for the Card, which has the highest POS amount.

Upto 5% CashBack on shopping viaSmartBuy

Make The Most Of Your Card

Debit Card- EMI

Enjoy No cost EMI on leading brands on electronics, furniture, apparels, smart phones and much more
Convert any purchases above Rs 5000/- into EMI
To check pre - approved eligible amount on your Debit Card
SMS "MYHDFC" to 5676712 from your Bank Registered mobile numberFor detailed offers & T&C's please visit:hdfcbank.com/easyemi

Make Payments More Rewarding with SMARTBUY:Earn Upto 5% CashBack on your Debit Card on transacting throughSmartBuy

Contactless Payment:Your GIGA Business Debit Card is contactless. Enjoy safe and quick payments at retail locations.
To see if your Card is contactless, look for the contactless network symbol on your Card.You can use your Card to make quick transactions at merchant locations accepting contactless Cards.
Information on Contactless Debit Card -Click Here

Please note that in India, payment through contactless mode is allowed for a maximum of ₹5000 for a single transaction where you are not asked to input your Debit Card PIN. However, if the amount is higher than or equal to ₹5000, the Card holder has to enter the Debit Card PIN for security reasons.

Higher Debit Card Limits

Unfold something new, every day!

Daily Domestic ATM withdrawal limits: ₹1 lac
Daily Domestic Shopping limits: ₹5 lacs
Daily International Shopping limits: ₹5 lacs

Please login to NetBanking to change (Increase or decrease) the limit* on your Debit Card to suit your needs. Please note the limits can be increased up to the Permissible limits on your Debit Card.

*For Security reasons, ATM cash withdrawal limit is capped at ₹ 0.5 Lakhs per day and ₹ 10 Lakhs per month for first 6 months from Account opening date.  For accounts older than 6 months, ATM cash withdrawal limit is capped at ₹ 2 Lakhs per day and ₹ 10 Lakhs per month. This is implemented with immediate effect.

In case your Debit Card is enabled for ATM and POS usage but still you are facing issues while doing transactions, pleaseclick here for FAQs

Fuel Surcharge

Effective 1st January 2018, Fuel Surcharge would not be applicable for the transactions done on HDFC Bank swipe machines.

Zero Liability

You will not have any liability to any fraudulent Point of Sale transactions on the debit card, which take place upto 30 days prior to reporting the card loss.Click Herefor more details.

If you lose your Debit Card, callPhonebankingor visit thenearest HDFC Bank branch.

Card Management & Control Tab

MyCards, a mobile-based service platform for all debit card needs, facilitates convenient activation and management of GIGA Business Debit Card on the go. It ensures a seamless experience without the need for passwords or downloads.

Debit Card Registration & Activation
Set up Card PIN
Manage card controls like online spends, contactless transactions
Check Reward Points
Block/Re-issue card

CashBack Rewards Terms and Conditions

CashBack Points can be earned for every transaction greater than ₹250
Maximum aggregate CashBack Points per account per month is₹500
CashBack Points need to be redeemed through NetBanking in multiples of ₹250, no maximum capping on redemption subject to availability
Customer can view the points in NetBanking in 2 working days from the date of transaction
In case purchase / transaction is returned / cancelled / reversed, CashBack points toward posted towards transactions will be reversed
CashBack Points will be valid for redemption within the next 12 months after which your CashBack Points will lapse
All promotional CashBack points earned on your Debit Card will have a validity of 3 months, post which the accumulated points will expire
Customer is not eligible for redemption of CashBack points on account closure
No CashBack points for all other categories apart from the one above
CashBack Points are earned on eligible Merchant Category Codes (MCC) only
MCCs are categorised basis the nature of business by card Networks (Visa/ Mastercard/ Rupay)
Credit Card BillPay transactions made through Debit Card will NOT earn any CashBack points with immediate effect as this is not an eligible category for the same.

Please note:
Incase if an account has two customers with both customers holding a GIGA Business Debit Card each (under the same account number),all eligible transactions done on both cards shall be entitled to receive maximum of 500 CashBack points per month at the account level.

Example: Account A has two cardholders 1 and 2 both holding GIGA Business Debit Card. For all eligible transactions done on Card 1 shall be capped at 500 points per month and Card 2shall be capped at 500 points per month. Cumulative CashBack at account level shall be capped at 500CashBack points per month.

How to Redeem?
1. Through NetBanking
Login >> Pay >> Cards >> Debit Cards >> Debit Cards Summary >> Actions >> Redeem Reward Points

Important Note

As per RBI guidelines RBI/2019-2020/142 DPSS.CO.PD No. 1343/02.14.003/2019-20 dated 15th January 2020, all Debit Cards issued effective 1st Oct' 2020, are or will be enabled only for Domestic usage (PoS & ATM) and disabled for Domestic (E-commerce & contactless) and International usage. This is to improve user convenience and increase the security of card transactions.

You can enable or modify Domestic & International transactions limits on ATM / PoS / E-commerce / Contactless please visitMyCards/ NetBanking / Mobile Banking / WhatsApp Banking- 7070066666 / Ask Eva / Call Toll-free Number 1800 1600 / 1800 2600 (from 8 am to 8 pm) Customers travelling overseas can reach us at 022-61606160.