Vyaya
Side-by-Side Comparison|Updated March 2026

HDFC Bank BizBlack Metal Card vs Apollo SBI 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
View Full Details

SBI Card

Apollo SBI Card

7.2/10
Annual Fee₹499
Base Rewards0.25%
NetworkMastercard
View Full Details

Feature-by-Feature Comparison

FeatureHDFC Bank BizBlack Metal CardApollo SBI Card
Annual Fee₹10,000₹499
Joining Fee₹10,000₹499
Fee Waiver Spend₹7,50,000₹1,00,000
Base Reward Rate1%0.25%
Reward CurrencyReward PointsReward Points
NetworkDiners ClubMastercard
Editor Rating9.2/107.2/10
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

Apollo SBI Card

  • 0% on Apollo Services
  • 0% on Dining, Movies & Entertainment
  • 0% on Beauty & Wellness

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.

Apollo SBI Card

Pros

  • 3% value back (3X points) on all Apollo services including pharmacy and clinics
  • 1:1 redemption ratio where 1 Reward Point equals ₹1 at Apollo POS
  • Complimentary OneApollo Gold Tier membership for the first year
  • Low annual fee of ₹499 with a reachable waiver threshold of ₹1 Lakh

Cons

  • No airport lounge access (available only on the Select variant)
  • Low base reward rate of 0.5% on general spends
  • Rewards are primarily valuable only within the Apollo ecosystem

Our Verdict

HDFC Bank BizBlack Metal Card edges ahead overall with a stronger combination of rewards and value. However, Apollo SBI 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 Apollo SBI Card if

Frequent users of Apollo Pharmacy and Apollo 24/7 app benefit from high reward rates and instant discounts.

Frequently Asked Questions

Which is better: HDFC Bank BizBlack Metal Card or Apollo SBI Card?
HDFC Bank BizBlack Metal Card edges ahead overall with a stronger combination of rewards and value. However, Apollo SBI 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 Apollo SBI Card?
HDFC Bank BizBlack Metal Card has an annual fee of ₹10,000, while Apollo SBI Card has an annual fee of ₹499. HDFC Bank BizBlack Metal Card offers a fee waiver on ₹7,50,000 annual spend. Apollo SBI Card offers a fee waiver on ₹1,00,000 annual spend.
Which card has better rewards: HDFC Bank BizBlack Metal Card or Apollo SBI Card?
HDFC Bank BizBlack Metal Card offers a base reward rate of 1% with accelerated rewards on Tax & GST and SmartBuy (Flights/Hotels). Apollo SBI Card offers 0.25% base rewards with bonuses on Apollo Services and Dining, Movies & Entertainment. The better choice depends on your primary spending categories.
Can I have both HDFC Bank BizBlack Metal Card and Apollo SBI Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. HDFC Bank BizBlack Metal Card and Apollo SBI Card can complement each other if they cover different reward categories.
Which card is better for beginners: HDFC Bank BizBlack Metal Card or Apollo SBI Card?
For beginners, Apollo SBI Card may be more approachable with a lower annual fee of ₹499. However, evaluate based on your expected spending pattern rather than fee alone.

Related Comparisons

HDFC Bank BizBlack Metal Card vs ICICI Bank Emeralde Private Metal Credit CardApollo SBI Card vs ICICI Bank Emeralde Private Metal Credit CardHDFC Bank BizBlack Metal Card vs Axis Bank Aura Credit CardApollo SBI Card vs Axis Bank Aura Credit CardHDFC Bank BizBlack Metal Card vs SBI Card PULSEApollo SBI Card vs SBI Card PULSE

Explore More

HDFC Bank BizBlack Metal Card Full ReviewApollo SBI Card Full ReviewAll HDFC Bank CardsAll SBI Card CardsBrowse All Credit CardsCredit Card Guides & Tips