HDFC Bank BizBlack Metal Edition Credit Card

Renewal feeJoining fee

₹10,000 + GST

Fee waiver rule

Spend ₹7.5 lakh in 12 billing cycles in your anniversary year and enjoy a waiver on the renewal fee for the next year

Add-on card fee

₹0

Welcome benefit

ALL Accor+ Explorer Membership on spends of ₹1.5lakh within first 90 days (effective for cards set up from 15th September 2026)

Reward rate

5 reward points per ₹150 · everyday spends5 reward points per ₹150 spent (excluding petrol, wallet, rent, education, EMI)

Rent earning

Rent payments will not earn Reward Points /CashPoints.

Travel earning

Upto 10X reward points on travel/online shopping on SmartBuy

Utilities earning

Reward Points earned on Utility transactions will be capped at 2000 Reward Points per calendar month.

Reward exclusions

Excluding petrol, wallet, rent, education, EMI

Reward caps

Maximum reward points that can be earned in a statement cycle for BizBlack Metal Card is 1,50,000

What one reward unit is worth

SmartBuy Rewards Portal, at a value of 1 Reward Points = Up to ₹1

Catalogue redemption

1 Reward Points = ₹0.5.

Flight redemption

Cardmembers can redeem up to a maximum of 70% of the booking value through Reward Points/CashPoints for flight and hotel bookings

Points transfer redemption

Airmiles conversion via Netbanking, at a value of 1 Reward Points = ₹1 airmiles.

Statement-credit redemption

1 Reward Points = ₹0.30.

Point expiry

Reward points are valid for 3 years.

Smallest number of points that can be redeemed

A minimum of 2500 CP is needed to redeem Reward points against statement balance

International lounge access

Unlimited complimentary airport lounge access to over 1000 partner lounges worldwide.

Domestic lounge access

Unlimited monthly lounge access on making min one transaction of any amount in previous month (excluding first month of card issuance)

Golf

Complimentary golf games (6 per quarter)

Concierge

Concierge number: 1800 118 887

Milestone benefits

Flight voucher or Taj stay voucher worth ₹5,000 on every ₹5 Lac spend. Get vouchers worth upto ₹20,000 on spend of ₹20 Lac in a calendar year

Minimum spend rules

Spend more than ₹50,000 in a statement cycle to avail 5X Reward points on Select Business spends.

Priority Pass

Not offered

Surcharge on railway tickets

1% of the transaction amount + GST on Railway Ticket Purchases (refer IRCTC website for detailed fee structure); applicable for all cards other than IRCTC

Credit shield cover

Credit liability cover: ₹9 lakh.

Lost card liability

The cardmember is wholly liable for all transactions prior to reporting the loss of the card; after the bank receives proper notification of the loss, the cardmember's subsequent liability is zero.

Balance transfer terms

1% of BT amount or ₹250, whichever is higher.

Purchase to EMI conversion

Convert large purchases on your HDFC Bank credit card into SmartEMI after the purchase.

Fuel surcharge waiver

Not offered

Forex markup

2% on foreign currency transactions.2% of the transaction amount

Dynamic currency conversion markup

With effect from 15th May 2026, a Markup fee of 1 .75 % will be levied on all transactions carried out in Indian Currency at an international location or at merchants which are located in India but registered overseas

Cash advance fee

2.5% of the amount withdrawn or ₹500, whichever is higher.

Cash advance interest

1.99% Monthly, 23.88% Annually (excluding GST)

Cash withdrawal limit

Cash withdrawal limit: 40% of the Credit Limit.

Interest on unpaid balance

1.99% Monthly, 23.88% Annually

Interest-free period

Interest free credit period ranges from 25 to 55 days

Late payment fee

₹100 or less: Nil; ₹101 to ₹500: ₹100; ₹501 to ₹1,000: ₹500; ₹1,001 to ₹5,000: ₹600; ₹5,001 to ₹10,000: ₹750; ₹10,001 to ₹25,000: ₹900; ₹25,001 to ₹50,000: ₹1,100; more than ₹50,000: ₹1,300 (excl. GST)

Over-limit fee

Over-limit charge of 2.5% of the overlimit amount, subject to a minimum of ₹550, applicable on total outstanding exceeding the credit limit, basis explicit consent

Payment return or dishonour fee

2% of Payment amount subject to minimum of ₹450 (applicable for cheque payment return or unsuccessful payment attempt through Autopay facility)

Statement or duplicate statement fee

Duplicate physical statement charges: ₹10 per duplicate physical statement.

Card replacement fee

₹199 for non-metal cards; ₹3,500 for metal cards.

Cash payment / cash deposit fee

₹100 for card payments made by depositing in HDFC Bank branches or ATMs.

Education / school fee charge

1% fee on Education transactions done through third party applications like (but not limited to) CRED, Nobroker, Cheq etc.; fee capped at ₹4999 per transaction. Education transactions done directly through college / school websites or through POS machines at their premises will not be charged; international Education transactions will not be charged.

EMI conversion fee

Smart EMI processing fee upto ₹849 (exclusive of GST for all loan amounts), depending on the customer’s eligibility/offer details; EasyEMI processing fee: an EMI processing fee of upto ₹299 for customers availing EMI facility at merchant

Fee on online skill-based gaming spends

1% fee on Online Skill based gaming spends exceeding ₹10,000 in a calendar month, applied on the total Online skill-based gaming spends in a calendar month; fee capped at ₹4999 per month.

Foreign ATM fee

Cash from ATMs in India or abroad: transaction fee of 2.5% or ₹500, whichever is higher, levied on the amount withdrawn and billed in the next statement.

Wallet load charge

From 1st July 2025, 1% fee on wallet loading spends (excl PayZapp) exceeding ₹10,000 in a calendar month; fee applied on the total wallet loading spends in the calendar month; fee capped at ₹4999 per month

Fuel transaction fee

1% fee will be levied on Fuel transaction exceeding ₹30,000 for business cards; Fee capped at ₹4999 per transaction.

Rent transaction fee

1% fee on transaction amount will be levied on rental transactions done on any applicable merchant for the month. Fee capped at ₹4999 per transaction.

Utility transaction fee

1% fee on utility spends exceeding ₹50,000 per calendar month for consumer cards (₹75,000 per calendar month for business cards), applied on the total utility spends in a calendar month; fee capped at ₹4999 per month.

GST note

GST is applicable on all Fees, Interest, and other Charges

Minimum amount due

MAD (WEF June’25) = Total GST + EMI amount + 100% of Fees/Charges + Overlimit Amount (if any) + 5% of (Finance Charge + Retail Spends + Cash Advance) when that 5% is higher than the Finance Charge; otherwise 100% of Finance Charges + 5% of (Retail Spends + Cash Advance)

Reward redemption fee

Not offered

Income requirement

Annual ITR above ₹30 Lakhs.

Minimum age

Aged between 21 yrs. to 65 Yrs.