HDFC Bank BizBlack Metal Edition Credit Card
HDFC Bank
Annual / renewal fee
₹10,000 + applicable taxes (renewal/annual membership fee).
Verifiedharvested from product page4 Aug 2026, 2:40 PM ISTHDFC Bank
Earn rate
- 5 Reward Points on every ₹150 of other spends (excluding petrol, wallet, rent, education, EMI).
- Accelerated 5X Reward Points (25 RP per ₹150) on select business essential spends (bill payments via SmartPay & PayZapp, Income Tax/Advance Tax via eportal.incometax.gov.in, GST via payment.gst.gov.in, hotel & flight booking on MMT MyBiz via SmartBuy BizDeals, business software via SmartBuy BizDeals-Nuclei) on minimum spend of ₹50,000 per statement cycle.
VerifiedBizBlack Metal Edition Credit Card product page4 Aug 2026, 2:40 PM ISTHDFC Bank
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at hdfc.bank.in — if a different card is shown first, use its card selector to pick this one.
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at hdfc.bank.in — if a different card is shown first, use its card selector to pick this one.
Overview
BizBlack Metal Edition Credit Card by HDFC Bank. Facts on this page are extracted and verified automatically from official issuer documents.
Fees
Joining fee
₹10,000 + applicable taxes.
Verifiedharvested from product page4 Aug 2026, 2:40 PM ISTHDFC Bank
Annual / renewal fee
₹10,000 + applicable taxes (renewal/annual membership fee).
Verifiedharvested from product page4 Aug 2026, 2:40 PM ISTHDFC Bank
Fee waiver
- Joining fee waived on spending ₹1.5 lakh within first 90 days of card issuance (fresh issuance only).
- Renewal fee waived on spending more than ₹7.5 lakh in the anniversary year (12 billing cycles).
- First year joining fee is charged within 120 days of card issuance.
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Renewal fee
- ₹10,000 + applicable taxes.
- Waived on spending more than ₹7.5 lakh in the previous anniversary year (12 billing cycles).
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Rewards
- 5 Reward Points on every ₹150 of other spends (excluding petrol, wallet, rent, education, EMI).
- Accelerated 5X Reward Points (25 RP per ₹150) on select business essential spends (bill payments via SmartPay & PayZapp, Income Tax/Advance Tax via eportal.incometax.gov.in, GST via payment.gst.gov.in, hotel & flight booking on MMT MyBiz via SmartBuy BizDeals, business software via SmartBuy BizDeals-Nuclei) on minimum spend of ₹50,000 per statement cycle.
VerifiedBizBlack Metal Edition Credit Card product page4 Aug 2026, 2:40 PM IST
Award example
- Example: On ₹1,00,000 spend in a billing cycle - ₹40,000 eligible accelerated 5X spends (PayZapp ₹10,000 + GST ₹20,000 + MMT MyBiz flight ₹10,000) = 6,667 RP.
- Other spends ₹50,000 = 1,667 RP.
- Total 8,333 RP.
VerifiedBizBlack Metal Edition Credit Card product page4 Aug 2026, 2:40 PM ISTHDFC Bank
Redemption value
- SmartBuy flights & hotels: 1 Reward Point = up to ₹1 (redeem up to 50% of booking value via points).
- Product catalogue: 1 Reward Point = ₹0.5.
- Statement balance / cash redemption: 1 Reward Point = ₹0.30 (minimum 2,500 points).
- Airmiles: 1 Reward Point = 1 airmile.
- Up to 70% of product/voucher value redeemable via points on select vouchers/products w.e.f 1 Feb 2023.
- Reward Points valid for 3 years from date of accumulation.
- Reward redemption fee and cashback redemption charge do not apply to BizBlack Metal Card.
Verifiedharvested from product page4 Aug 2026, 2:40 PM ISTHDFC Bank
Reward cap
- Accelerated 5X Reward Points on Business Essential spends capped at 7,500 RP per statement cycle (excluding wallet load).
- Maximum reward points earnable in a statement cycle for BizBlack Metal Card: 1,50,000.
- Insurance transactions capped at 5,000 RP per month.
- Grocery capped at 2,000 RP per month.
- Utility capped at 2,000 RP per calendar month.
- Telecom & cable capped at 2,000 RP per calendar month.
- SmartBuy flights & hotels redemption capped at 75,000 RP per calendar month.
- Cashback (statement balance) redemption capped at 50,000 RP per calendar month.
VerifiedBizBlack Metal Edition Credit Card product page4 Aug 2026, 2:40 PM ISTHDFC Bank
Reward exclusion
VerifiedBizBlack Metal Edition Credit Card product page4 Aug 2026, 2:40 PM ISTHDFC Bank
Travel & lounge
Lounge access
- Unlimited complimentary domestic and international airport lounge access at 1000+ lounges worldwide for primary and add-on cardholders (active cards only).
- Domestic: BizBlack Metal Card gets unlimited monthly lounge access on making minimum one transaction of any amount in previous month (excluding first month of card issuance).
- International lounge access available via the Diners BizBlack Credit Card without Priority Pass.
- Add-on cardholder must present the add-on card at the lounge.
VerifiedMITC – Credit Cards (includes BizBlack Metal Card) – hdfc.bank.in version4 Aug 2026, 2:40 PM ISTHDFC Bank
Hotel benefit
Club Marriott Membership (valid 1 year, primary cardholder, with complimentary spouse card): up to 20% off on food & beverage bill (max 10 guests; select hotels 15%), up to 20% off on Best Available Rates on rooms in India and Weekend Rates in Asia Pacific, 20% off on Spa services at select Marriott hotels in India (Mon-Fri), plus two one-time-use certificates (room upgrade; 30% off accommodation).
VerifiedBizBlack Metal Edition Credit Card product page4 Aug 2026, 2:40 PM ISTHDFC Bank
Dining, golf, concierge, insurance, milestones & welcome
Welcome benefit
Club Marriott Annual Membership (valid 1 year) + Taj Stay voucher worth ₹5,000 on spending ₹1.5 lakh within first 90 days of card issuance (applicable to first-time/fresh issuance only).
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Concierge
24/7 exclusive concierge services on the HDFC Bank Biz Black Credit Card (toll-free 1800 118 887 (India) / Landline 022 42320226; overseas 022-6171 7606).
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Dining benefit
- Save up to 10% on restaurant bill payments via Swiggy Dineout (20,000+ restaurants), inclusive of restaurant and Swiggy discount, on payments done via Swiggy App.
- Club Marriott membership also gives up to 20-25% off on dining.
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Golf benefit
- 6 complimentary golf games every quarter at over 15 golf courses in India and over 100 golf courses worldwide.
- 100% green fee waiver on partner courses on weekdays and weekends.
- 24-hour Golf Concierge assistance (Toll free 1800 118 887 / Landline 022 42320226).
- ₹5 authentication transaction required at the golf course.
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Insurance
- Business Insurance package at an annual premium of ₹3,785 (including GST): Fire & burglary insurance for shop up to ₹5 lakh, cash in transit up to ₹25,000, cash in safe up to ₹25,000, electronic equipment (EEI excl terrorism) up to ₹50,000, Hospital Daily Cash (accident & illness) up to ₹1,000/day for up to 30 days.
- Higher cover plans (up to ₹50 lakh fire & burglary) available at higher premiums.
- Zero lost card liability with credit liability cover of ₹9 lakh.
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Milestone benefit
- SmartBuy Flight / Taj Stay voucher worth ₹5,000 on every ₹5 lakh spends (excluding EMI, rent, petrol).
- Get vouchers worth up to ₹20,000 (i.e. 4 vouchers) on spend of ₹20 lakh in a calendar year (Jan-Dec).
- Flight voucher valid 6 months.
- Taj Stay voucher valid 365 days from redemption.
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Statement credit
- Reward Points can be redeemed against the statement balance (Cashback redemption / cash redemption on request) at 1 RP = ₹0.30, minimum 2,500 points.
- Redemption against statement balance capped at 50,000 Reward Points per calendar month.
VerifiedBizBlack Metal Edition Credit Card product page4 Aug 2026, 2:40 PM ISTHDFC Bank
Eligibility
Eligibility
- Self-Employed Indian Citizen aged between 21 and 65 years, with Annual ITR above ₹30 lakh.
- Can apply using ITR, GST returns, Bank Statements and Merchant payment report.
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Charges & interest
Forex markup
2% of transaction value on foreign currency transactions.
VerifiedMITC – Co-branded / Premium Credit Cards (BizBlack Metal Edition included), updated May 20264 Aug 2026, 2:40 PM ISTHDFC Bank
Fuel surcharge waiver
Fuel Surcharge waiver Not Applicable on BizBlack Metal Card.
VerifiedMITC – Co-branded / Premium Credit Cards (BizBlack Metal Edition included), updated May 20264 Aug 2026, 2:40 PM ISTHDFC Bank
Interest-free period
Up to 55 days of interest-free credit period (ranges from 25 to 55 days) on business expenses.
VerifiedMITC – Co-branded / Premium Credit Cards (BizBlack Metal Edition included), updated May 20264 Aug 2026, 2:40 PM ISTHDFC Bank
Transfers
Not published in the official documents on file — see the official T&C link below.
Common questions
What is the annual fee on the BizBlack Metal Edition Credit Card?
Officially traced: Rs. 10,000 + applicable taxes (renewal/annual membership fee).
harvested from product pageWhat is the joining fee on the BizBlack Metal Edition Credit Card?
Officially traced: Rs. 10,000 + applicable taxes.
harvested from product pageIs the BizBlack Metal Edition Credit Card annual fee ever waived?
Joining fee waived on spending Rs. 1.5 lakh within first 90 days of card issuance (fresh issuance only); renewal fee waived on spending more than Rs. 7.5 lakh in the anniversary year (12 billing cycles).
harvested from product pageHow does the BizBlack Metal Edition Credit Card earn rewards?
5 Reward Points on every Rs.150 of other spends (excluding petrol, wallet, rent, education, EMI).
BizBlack Metal Edition Credit Card product pageWhat lounge access does the BizBlack Metal Edition Credit Card include?
Unlimited complimentary domestic and international airport lounge access at 1000+ lounges worldwide for primary and add-on cardholders (active cards only).
MITC – Credit Cards (includes BizBlack Metal Card) – hdfc.bank.in versionWhat welcome benefit does the BizBlack Metal Edition Credit Card offer?
Club Marriott Annual Membership (valid 1 year) + Taj Stay voucher worth Rs. 5,000 on spending Rs. 1.5 lakh within first 90 days of card issuance (applicable to first-time/fresh issuance only).
harvested from product pageWhat are the transfer ratios for BizBlack Metal Edition Credit Card points?
Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.
Other verified details
Not published in the official documents on file — see the official T&C link below.
Official documents & verification
Official terms
https://www.hdfc.bank.in/business-credit-cards/biz-black-credit-card.
VerifiedBizBlack Metal Edition Credit Card product page4 Aug 2026, 2:40 PM ISTHDFC Bank
Verified 2026-08-04 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.
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