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Side-by-Side Comparison|Updated March 2026

Fabindia SBI Card SELECT 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.

SBI Card

Fabindia SBI Card SELECT

7.5/10
Annual Fee₹1,499
Base Rewards0.25%
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

FeatureFabindia SBI Card SELECTHDFC Bank BizBlack Metal Card
Annual Fee₹1,499₹10,000
Joining Fee₹1,499₹10,000
Fee Waiver Spend₹2,00,000₹7,50,000
Base Reward Rate0.25%1%
Reward CurrencyReward PointReward Points
NetworkVisaDiners Club
Editor Rating7.5/109.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

Fabindia SBI Card SELECT

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

Fabindia SBI Card SELECT

Pros

  • High 10% value back on all Fabindia in-store and online spends.
  • Welcome gift voucher of ₹1,500 effectively offsets the joining fee.
  • Direct access to Platinum Tier Fabfamily membership for exclusive privileges.
  • Complimentary domestic lounge access and Priority Pass membership included.

Cons

  • Reward points are primarily valuable only when redeemed for Fabindia shopping.
  • Base reward rate for general spends is relatively low at 1%.
  • International lounge visits via Priority Pass are not complimentary (membership only).

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, Fabindia SBI Card SELECT could be the better pick if its specific category strengths match your spending habits.

Choose Fabindia SBI Card SELECT if

The 10% reward rate and Platinum tier membership offer unmatched value for frequent Fabindia shoppers.

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: Fabindia SBI Card SELECT or HDFC Bank BizBlack Metal Card?
HDFC Bank BizBlack Metal Card edges ahead overall with a stronger combination of rewards and value. However, Fabindia SBI Card SELECT could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Fabindia SBI Card SELECT and HDFC Bank BizBlack Metal Card?
Fabindia SBI Card SELECT has an annual fee of ₹1,499, while HDFC Bank BizBlack Metal Card has an annual fee of ₹10,000. Fabindia SBI Card SELECT offers a fee waiver on ₹2,00,000 annual spend. HDFC Bank BizBlack Metal Card offers a fee waiver on ₹7,50,000 annual spend.
Which card has better rewards: Fabindia SBI Card SELECT or HDFC Bank BizBlack Metal Card?
Fabindia SBI Card SELECT offers a base reward rate of 0.25%. 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 Fabindia SBI Card SELECT and HDFC Bank BizBlack Metal Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Fabindia SBI Card SELECT and HDFC Bank BizBlack Metal Card can complement each other if they cover different reward categories.
Which card is better for beginners: Fabindia SBI Card SELECT or HDFC Bank BizBlack Metal Card?
For beginners, Fabindia SBI Card SELECT may be more approachable with a lower annual fee of ₹1,499. However, evaluate based on your expected spending pattern rather than fee alone.

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