The HDFC Bank Biz Black Metal Edition Credit Card is a premium financial tool designed for self-employed professionals and business owners seeking to optimize their business expenditures while enjoying exclusive benefits. This card offers an extended interest-free credit period, providing enhanced cash flow management for business operations. Cardholders earn accelerated reward points on essential business spends, including bill payments via PayZapp/SmartPay, income tax, GST, and vendor payments through Swifti & SmartHub Vyapar. Additional perks include unlimited airport lounge access, complimentary golf games, and dining discounts at over 35,000 partner restaurants. The unique selling proposition of this card lies in its comprehensive suite of business-centric benefits, combined with premium lifestyle privileges, all encapsulated in a sleek metal design.
Get Club Marriott Annual Membership + Taj Stay voucher worth ₹ 5000 on spends of ₹ 1.5 lakhs within first 90 days.
Renewal Benefits
Spend Rs. 7.5 Lakhs in an anniversary year (12 billing cycles) and get Renewal Fee waived for next renewal year. Spend Rs.1.5 Lakhs in first 90 days of card issuance to get First Year Joining Fee waived off
USP's:
Business Insurance Benefit, Concierge Services, Golf Games Benefit, Lounge Benefit
5X Rewards on Business Govt Tax/Bill Payments
Fees & Charges
Joining & Renewal Fees
10000
Interest & Charges
Additional Charges
Rewards
Milestone Benefits
Exclusions
Education. EMI, Fuel, Rent, Wallets
Rewards capping
Rewards Validity
2 Years
Redemption modes
Airmiles
Vouchers
Credit
Additional Features
Lounge Benefits
Insurance Benefits
N/A
Other Perks
4% Off on flights and hotels booking on MMT using Bizblack Metal Edition.
Discount on Business Software ( Shop Nuclei Using HDFC Bizblack Metal Edition )
Complimentary golf access
Global Personal concierge
20% Discount pay via Dineout using HDFC Bizblack Metal Edition
Eligibility Criteria
Age
21Y
Min
65Y
Max
Credit Score
750+
Ex Min
Income
(
Self-Employed
)
₹
Annual ITR above Rs 30 Lakhs
Income
(
Salaried
)
₹
Annual ITR above Rs 30 Lakhs
Other: Card-to-card eligibility requirements.
Pros
Earn 5X reward points on business-related expenses such as bill payments via PayZapp/SmartPay, income tax, GST, and vendor payments through Swifti & SmartHub Vyapar.
Unlimited complimentary access to over 1,000 domestic and international airport lounges for primary and add-on cardholders.
Complimentary Club Marriott Annual Membership and a ₹5,000 Taj Stay voucher upon spending ₹1.5 lakh within the first 90 days.
6 complimentary golf games per quarter at select courses worldwide.
Cons
High annual fee of ₹10,000 plus applicable taxes.
Reward points capped at 1.5 lakh per statement cycle.
5X reward points applicable only on monthly spends exceeding ₹50,000, with a cap of 7,500 bonus points per statement cycle.
No reward points on fuel, EasyEMI, wallet loads, rent, and government-related transactions.
