HDFC Bank BizBlack Metal Card
Crafted for Business. Made for Your Business.
Annual Fee
₹10,000
Base Rewards
1.0%
Forex Fee
3.5%
Expert Verdict
The HDFC BizBlack Metal Card is a game-changer for the Indian SME sector, offering unprecedented rewards on tax payments. It mirrors the benefits of the legendary Infinia/Diners Black but tailors them specifically for business needs.
Quick Match
Is this card right for you?
Consider other options
Your Estimated Value
Year 1
+₹6,000
Includes ₹10,000 bonus
Year 2+
₹4,000
Why get this card
Industry-first 5X rewards on Income Tax and GST payments (on spends > ₹50k/month)
Unlimited domestic and international lounge access for both primary and add-on members
High reward redemption value of 1:1 for travel and business software/services
Premium metal card design with extensive business insurance coverage
Watch out for
High annual fee of ₹10,000 which requires significant spend for waiver
Accelerated rewards are capped at 7,500 points per statement cycle
Diners Club network may have lower acceptance at smaller local merchants compared to Visa/Mastercard
+1 more considerations
- Low redemption value (₹0.30) if points are redeemed for statement cashback
Who is this card for?
Best for
business owner
High-turnover business owners who pay significant GST and Income Tax and want to earn rewards on those mandatory spends.
Min: ₹1,00,000/mo
frequent traveler
Business travelers who value unlimited global lounge access and 1:1 point redemption for flights and hotels.
Min: ₹50,000/mo
Skip if you're
low spender
Users spending less than ₹7.5 Lakhs annually will find the ₹10,000 fee hard to justify.
Base Earning
5 Reward Points
per ₹150 spent
1.0%
effective rate
Point value: ₹0.30/point
Bonus Categories
PayZapp/SmartBuy/Govt Portal - UTILITIES/TRAVEL/BUSINESS
5×
5% return
7500 pts/month
Welcome Offer
Club Marriott Annual Membership and ₹5,000 Taj Stay Voucher upon meeting spend criteria.
₹10,000
value
Spend ₹1,50,000 within 90 days
Milestones
Spend ₹5.0L
₹5,000 Taj Stay or SmartBuy Flight Voucher on every ₹5 Lakhs spent (up to 4 times a year).
Spend ₹7.5L
Annual fee waiver for the subsequent year.
No rewards on:
Fuel, rent payments, utility bills, government payments, wallet loads, insurance premiums, EMI transactions
Compare Alternatives
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ICICI Bank Emeralde Private Metal Credit Card
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Mastercard
Upgrade Path
Move up or down within this bank