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Side-by-Side Comparison|Updated March 2026

Axis Bank Easy Gold 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.

Axis Bank

Axis Bank Easy Gold Credit Card

5.5/10
Annual Fee₹100
Base Rewards0.2%
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

FeatureAxis Bank Easy Gold Credit CardHDFC Bank BizBlack Metal Card
Annual Fee₹100₹10,000
Joining FeeFree₹10,000
Fee Waiver Spend₹50,000₹7,50,000
Base Reward Rate0.2%1%
Reward CurrencyEDGE Reward PointsReward Points
NetworkVisaDiners Club
Editor Rating5.5/109.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

Axis Bank Easy Gold Credit Card

No accelerated rewards listed

HDFC Bank BizBlack Metal Card

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

Pros & Cons

Axis Bank Easy Gold Credit Card

Pros

  • Guaranteed approval against a Fixed Deposit of ₹20,000 or more.
  • No income documentation or credit score check required for issuance.
  • Very low annual fee of ₹100, which is waived on annual spends of ₹50,000.
  • Earn EDGE Reward points on both domestic and international transactions.

Cons

  • Extremely low reward rate of 0.2% on domestic spends.
  • No premium benefits like airport lounge access or movie discounts.
  • Requires locking up liquidity in a Fixed Deposit to maintain the card.

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, Axis Bank Easy Gold Credit Card could be the better pick if its specific category strengths match your spending habits.

Choose Axis Bank Easy Gold Credit Card if

Ideal for individuals with no credit history or a low score looking to build their CIBIL profile.

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: Axis Bank Easy Gold 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, Axis Bank Easy Gold Credit Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Axis Bank Easy Gold Credit Card and HDFC Bank BizBlack Metal Card?
Axis Bank Easy Gold Credit Card has an annual fee of ₹100, while HDFC Bank BizBlack Metal Card has an annual fee of ₹10,000. Axis Bank Easy Gold Credit Card offers a fee waiver on ₹50,000 annual spend. HDFC Bank BizBlack Metal Card offers a fee waiver on ₹7,50,000 annual spend.
Which card has better rewards: Axis Bank Easy Gold Credit Card or HDFC Bank BizBlack Metal Card?
Axis Bank Easy Gold Credit Card offers a base reward rate of 0.2%. 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 Axis Bank Easy Gold Credit Card and HDFC Bank BizBlack Metal Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Axis Bank Easy Gold Credit Card and HDFC Bank BizBlack Metal Card can complement each other if they cover different reward categories.
Which card is better for beginners: Axis Bank Easy Gold Credit Card or HDFC Bank BizBlack Metal Card?
For beginners, Axis Bank Easy Gold Credit Card may be more approachable with a lower annual fee of ₹100. However, evaluate based on your expected spending pattern rather than fee alone.

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