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Side-by-Side Comparison|Updated March 2026

Adani One ICICI Bank Platinum Credit Card vs HDFC Bank BizBlack Metal Card

Detailed comparison of fees, rewards, benefits, and value to help you choose the right credit card for your spending pattern.

ICICI Bank

Adani One ICICI Bank Platinum Credit Card

7.5/10
Annual Fee₹750
Base Rewards1%
NetworkVisa
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HDFC Bank

HDFC Bank BizBlack Metal Card

9.2/10
Annual Fee₹10,000
Base Rewards1%
NetworkDiners Club
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Feature-by-Feature Comparison

FeatureAdani One ICICI Bank Platinum Credit CardHDFC Bank BizBlack Metal Card
Annual Fee₹750₹10,000
Joining Fee₹750₹10,000
Fee Waiver Spend₹3,00,000₹7,50,000
Base Reward Rate1%1%
Reward CurrencyAdani Reward PointsReward Points
NetworkVisaDiners Club
Editor Rating7.5/109.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

Adani One ICICI Bank Platinum Credit Card

  • 0% on Adani One Ecosystem
  • 0% on Utility & Insurance

HDFC Bank BizBlack Metal Card

  • 0% on Tax & GST
  • 0% on SmartBuy (Flights/Hotels)
  • 0% on Business Productivity Tools

Pros & Cons

Adani One ICICI Bank Platinum Credit Card

Pros

  • 3% reward rate on Adani One ecosystem including flights, hotels, and utility bills.
  • Generous welcome vouchers worth ₹5,000+ including flight and hotel discounts.
  • Unique airport benefits like premium lounge upgrades and porter services.
  • Low annual fee of ₹750 with a reachable waiver threshold of ₹3 Lakhs.

Cons

  • Limited to Adani-managed airports for premium services like valet parking.
  • No international lounge access in the Platinum variant.
  • Reward points are most valuable only when redeemed on the Adani One platform.

HDFC Bank BizBlack Metal Card

Pros

  • Industry-first 5X Reward Points on Income Tax and GST payments via official portals.
  • Unlimited domestic and international airport lounge access for both primary and add-on members.
  • High reward rate of up to 16.5% on business essential spends like utility and software tools.
  • Premium metal card design with complimentary Club Marriott membership and Taj vouchers.

Cons

  • High annual fee of ₹10,000 + GST which requires significant spend for waiver.
  • Diners Club network may face acceptance issues at smaller local merchants compared to Visa/Mastercard.
  • Accelerated 5X rewards are capped at 7,500 points per statement cycle.

Our Verdict

HDFC Bank BizBlack Metal Card edges ahead overall with a stronger combination of rewards and value. However, Adani One ICICI Bank Platinum Credit Card could be the better pick if its specific category strengths match your spending habits.

Choose Adani One ICICI Bank Platinum Credit Card if

High rewards on Adani Gas, Electricity, and Adani-managed airport spends.

Choose HDFC Bank BizBlack Metal Card if

High-value tax and GST payments earn significant rewards, effectively offsetting the tax convenience fees.

Frequently Asked Questions

Which is better: Adani One ICICI Bank Platinum Credit Card or HDFC Bank BizBlack Metal Card?
HDFC Bank BizBlack Metal Card edges ahead overall with a stronger combination of rewards and value. However, Adani One ICICI Bank Platinum Credit Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Adani One ICICI Bank Platinum Credit Card and HDFC Bank BizBlack Metal Card?
Adani One ICICI Bank Platinum Credit Card has an annual fee of ₹750, while HDFC Bank BizBlack Metal Card has an annual fee of ₹10,000. Adani One ICICI Bank Platinum Credit Card offers a fee waiver on ₹3,00,000 annual spend. HDFC Bank BizBlack Metal Card offers a fee waiver on ₹7,50,000 annual spend.
Which card has better rewards: Adani One ICICI Bank Platinum Credit Card or HDFC Bank BizBlack Metal Card?
Adani One ICICI Bank Platinum Credit Card offers a base reward rate of 1% with accelerated rewards on Adani One Ecosystem and Utility & Insurance. HDFC Bank BizBlack Metal Card offers 1% base rewards with bonuses on Tax & GST and SmartBuy (Flights/Hotels). The better choice depends on your primary spending categories.
Can I have both Adani One ICICI Bank Platinum Credit Card and HDFC Bank BizBlack Metal Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Adani One ICICI Bank Platinum Credit Card and HDFC Bank BizBlack Metal Card can complement each other if they cover different reward categories.
Which card is better for beginners: Adani One ICICI Bank Platinum Credit Card or HDFC Bank BizBlack Metal Card?
For beginners, Adani One ICICI Bank Platinum Credit Card may be more approachable with a lower annual fee of ₹750. However, evaluate based on your expected spending pattern rather than fee alone.

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