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Side-by-Side Comparison|Updated March 2026

HDFC Bank BizBlack Metal Card vs Amazon Pay ICICI Bank Credit Card

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

HDFC Bank

HDFC Bank BizBlack Metal Card

9.2/10
Annual Fee₹10,000
Base Rewards1%
NetworkDiners Club
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ICICI Bank

Amazon Pay ICICI Bank Credit Card

9.5/10
Annual FeeFree
Base Rewards1%
NetworkVisa
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Feature-by-Feature Comparison

FeatureHDFC Bank BizBlack Metal CardAmazon Pay ICICI Bank Credit Card
Annual Fee₹10,000Free
Joining Fee₹10,000Free
Fee Waiver Spend₹7,50,000N/A
Base Reward Rate1%1%
Reward CurrencyReward PointsAmazon Pay Balance
NetworkDiners ClubVisa
Editor Rating9.2/109.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

HDFC Bank BizBlack Metal Card

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

Amazon Pay ICICI Bank Credit Card

No accelerated rewards listed

Pros & Cons

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.

Amazon Pay ICICI Bank Credit Card

Pros

  • Unlimited 5% cashback on Amazon.in for Prime members with no upper cap.
  • Lifetime free card with zero joining and annual fees forever.
  • Rewards are automatically credited as Amazon Pay balance every month.
  • Competitive 1.99% forex markup fee for international transactions.

Cons

  • Cashback is restricted to Amazon Pay balance and cannot be withdrawn as cash.
  • Lounge access is now spend-based (₹75,000 per quarter) rather than flat complimentary.
  • No rewards on fuel, rent, gold, or EMI transactions.

Our Verdict

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

Choose HDFC Bank BizBlack Metal Card if

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

Choose Amazon Pay ICICI Bank Credit Card if

Maximum value for Prime members shopping frequently on Amazon India.

Frequently Asked Questions

Which is better: HDFC Bank BizBlack Metal Card or Amazon Pay ICICI Bank Credit Card?
Amazon Pay ICICI Bank Credit Card edges ahead overall with a stronger combination of rewards and value. However, HDFC Bank BizBlack Metal Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between HDFC Bank BizBlack Metal Card and Amazon Pay ICICI Bank Credit Card?
HDFC Bank BizBlack Metal Card has an annual fee of ₹10,000, while Amazon Pay ICICI Bank Credit Card has no annual fee. HDFC Bank BizBlack Metal Card offers a fee waiver on ₹7,50,000 annual spend.
Which card has better rewards: HDFC Bank BizBlack Metal Card or Amazon Pay ICICI Bank Credit Card?
HDFC Bank BizBlack Metal Card offers a base reward rate of 1% with accelerated rewards on Tax & GST and SmartBuy (Flights/Hotels). Amazon Pay ICICI Bank Credit Card offers 1% base rewards. The better choice depends on your primary spending categories.
Can I have both HDFC Bank BizBlack Metal Card and Amazon Pay ICICI Bank Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. HDFC Bank BizBlack Metal Card and Amazon Pay ICICI Bank Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: HDFC Bank BizBlack Metal Card or Amazon Pay ICICI Bank Credit Card?
For beginners, Amazon Pay ICICI Bank Credit Card may be more approachable with no annual fee. However, evaluate based on your expected spending pattern rather than fee alone.

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