How GIGA by HDFC Bank empowers freelancers to earn smarter

How GIGA by HDFC Bank empowers freelancers to earn smarter

24 July, 2025

Synopsis

  • One of the smartest ways to support your growing freelance business is by leveraging a Business Credit Card.

  • A payment gateway is a secure online service that processes digital payments for your business.

  • As a freelancer, one of the best financial decisions you can make is opening a Savings Account designed to support your unique needs.


Freelancers are redefining the future of work, and if you're one of them, you know that monetising your creative skills can sometimes feel like a juggling act. Between chasing clients, managing projects, and balancing finances, it’s easy to feel overwhelmed. But with the right financial tools, you can turn your talent into a thriving business, and GIGA by HDFC Bank is here to make that journey smoother.

In this article, we’ll show you how to effectively monetise your skills and creativity by using GIGA’s suite of products like Business Credit Cards, payment gateways, and Savings Accounts. These tools help ensure smooth cash flow so you can focus on what you do best: creating.


Benefits of a Business Credit Card


One of the smartest ways to support your growing freelance business is by leveraging a Business Credit Card. But what is a Business Credit Card, and how can it help you? A Business Credit Card is a financial tool designed specifically for business-related expenses. It allows you to make purchases, pay bills, and manage day-to-day operational costs without affecting your personal finances.

Here are some key GIGA Credit Card benefits: 

  • Rewards and perks: With the GIGA Business Credit Card, every swipe comes with serious perks. Earn 3X CashPoints on electricity bills, mobile recharges, DTH payments, and more when you pay via PayZapp. Plus, enjoy 3X CashPoints on business digital spends, Income Tax and GST payments.

  • Extended interest-free credit: Business Credit Cards provide a short-term solution for maintaining steady cash flow during lean periods when client payments are delayed. Gigsters can enjoy up to 55 days of interestfree credit on all business expenditures. This helps you to get some breathing room in times of need!

  • Milestone bonuses and welcome benefits
    To top it off, unlock an OTT Play Premium subscription (access to Zee5, SonyLiv, VRott & more) just by making your first transaction within 37 days of card issuance. Receive 800 bonus CashPoints each month upon spending ₹50,000/month.

  • Other waivers and discounts

With the GIGA Credit Card, gigsters can enjoy fuel surcharge waivers and exclusive partner discounts (WeWork, Zoho, Harappa etc.). Power up your business, and let the rewards follow.


Smooth cash flow with payment gateways


One of the biggest challenges freelancers face is managing cash flow. Payments can often be delayed, and getting paid quickly is critical to staying afloat. This is where GIGA by HDFC Bank’s payment gateway solutions come into play.

A payment gateway is a secure online service that processes digital payments for your business. It enables you to receive payments directly from your clients, whether they’re in the same country or halfway across the world. GIGA’s payment gateway system offers the following advantages:

  • Real-time payments: You can get paid instantly for your work, improving your overall cash flow and eliminating the anxiety of waiting for payments.

  • Multiple payment methods: GIGA’s solutions, such as Payoneer and SmartHub Vyapar, support various payment options like UPI, NetBanking, and cards, making it convenient for your clients and ensuring you get paid without hassle.

  • Secure transactions: GIGA by HDFC Bank provides end-to-end security for all your transactions, protecting both you and your clients.

This setup ensures that payments are seamless, and you can focus on growing your freelance business rather than worrying about when you’ll get paid next.


Savings Accounts tailored for freelancers


As a freelancer, one of the best financial decisions you can make is opening a Savings Account designed to support your unique needs. GIGA by HDFC Bank offers accounts that are tailored to gigsters, ensuring you have access to features that matter most to your business.

A GIGA Savings Account allows you to grow your savings while managing daily expenses with ease.


Some features of the GIGA Savings Account include:

  • Kickstart your account with just ₹2,000: Get started quickly with a minimal initial deposit and manage your finances effortlessly.

  • Exclusive Business Debit Card offers: Unlock amazing deals and discounts with your Business Debit Card, designed to help you save more as you grow.

  • Easy payments across borders: Send and receive payments seamlessly, whether your clients are in India or across the globe.

  • Preferential FX Rates: Enjoy preferential foreign exchange rates on overseas collections, making international payments a breeze.

  • Sort bills with ease: Manage all your utility and business bills with HDFC Bank BillPay so you can focus on what matters - your hustle.

This ensures that you’re not only monetising your skills but also managing your earnings effectively for long-term growth.

Freelancers and gigsters are empowered by creativity, but making that creativity financially sustainable requires the right tools. With GIGA by HDFC Bank offerings by your side, you can ensure smooth cash flow and turn your creative potential into a thriving freelancer business.


Disclaimer: *Terms and conditions apply. The information provided in this article is generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances.

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