Key benefits
- Lifetime free business credit card
- Up to 55 days interest-free on business expenses
- Eligible for HDFC online and offline offers
Eligibility and fees
- Annual fee
- Lifetime free
- Who can apply
- Self-employed only
- Minimum income
- Self-employed: ₹50,000 a month
- Credit score
- Not specified
- First credit card?
- Yes
- Self-employed individuals only
- ITR above ₹6 lakh yearly
- Age 21-65
Before you apply
- Keep your PAN, Aadhaar and latest income proof (salary slips or ITR) ready.
- Apply for one card at a time. Several applications in a short time can lower your credit score.
- Approval, credit limit and final fees are always decided by the bank.
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Credit Universe may earn a commission from the bank if you are approved, at no cost to you. Approval is always the bank’s decision.