Vyaya
Side-by-Side Comparison|Updated March 2026

HDFC Bank BizBlack Metal Card vs HDFC Bank Millennia 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
View Full Details

HDFC Bank

HDFC Bank Millennia Credit Card

8.5/10
Annual Fee₹1,000
Base Rewards1%
NetworkVisa
View Full Details

Feature-by-Feature Comparison

FeatureHDFC Bank BizBlack Metal CardHDFC Bank Millennia Credit Card
Annual Fee₹10,000₹1,000
Joining Fee₹10,000₹1,000
Fee Waiver Spend₹7,50,000₹1,00,000
Base Reward Rate1%1%
Reward CurrencyReward PointsCashPoints
NetworkDiners ClubVisa
Editor Rating9.2/108.5/10
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

HDFC Bank Millennia Credit Card

  • 0% on Special Rate

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.

HDFC Bank Millennia Credit Card

Pros

  • 5% cashback on 10 major online merchants including Amazon, Flipkart, and Swiggy
  • 1:1 redemption ratio for CashPoints against statement credit
  • Achievable annual fee waiver at ₹1 Lakh annual spend
  • 1,000 CashPoints welcome benefit effectively offsets the joining fee

Cons

  • Monthly cashback capped at ₹1,000 for the 5% category
  • Lounge access is now spend-based (₹1 Lakh per quarter)
  • Excludes rent, fuel, and government transactions from rewards

Our Verdict

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

High 5% cashback on popular platforms like Amazon, Flipkart, and Zomato.

Frequently Asked Questions

Which is better: HDFC Bank BizBlack Metal Card or HDFC Bank Millennia Credit Card?
HDFC Bank BizBlack Metal Card edges ahead overall with a stronger combination of rewards and value. However, HDFC Bank Millennia Credit 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 HDFC Bank Millennia Credit Card?
HDFC Bank BizBlack Metal Card has an annual fee of ₹10,000, while HDFC Bank Millennia Credit Card has an annual fee of ₹1,000. HDFC Bank BizBlack Metal Card offers a fee waiver on ₹7,50,000 annual spend. HDFC Bank Millennia Credit Card offers a fee waiver on ₹1,00,000 annual spend.
Which card has better rewards: HDFC Bank BizBlack Metal Card or HDFC Bank Millennia Credit Card?
HDFC Bank BizBlack Metal Card offers a base reward rate of 1% with accelerated rewards on Tax & GST and SmartBuy (Flights/Hotels). HDFC Bank Millennia Credit Card offers 1% base rewards with bonuses on Special Rate. The better choice depends on your primary spending categories.
Can I have both HDFC Bank BizBlack Metal Card and HDFC Bank Millennia Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. HDFC Bank BizBlack Metal Card and HDFC Bank Millennia Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: HDFC Bank BizBlack Metal Card or HDFC Bank Millennia Credit Card?
For beginners, HDFC Bank Millennia Credit Card may be more approachable with a lower annual fee of ₹1,000. 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 CardHDFC Bank Millennia Credit Card vs ICICI Bank Emeralde Private Metal Credit Card

Explore More

HDFC Bank BizBlack Metal Card Full ReviewHDFC Bank Millennia Credit Card Full ReviewAll HDFC Bank CardsBrowse All Credit CardsCredit Card Guides & Tips