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Side-by-Side Comparison|Updated March 2026

HDFC Bank BizBlack Metal Card vs ICICI Bank Manchester United Signature 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

ICICI Bank Manchester United Signature Credit Card

6.5/10
Annual Fee₹2,499
Base Rewards0.25%
NetworkVisa
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Feature-by-Feature Comparison

FeatureHDFC Bank BizBlack Metal CardICICI Bank Manchester United Signature Credit Card
Annual Fee₹10,000₹2,499
Joining Fee₹10,000₹2,499
Fee Waiver Spend₹7,50,000₹2,50,000
Base Reward Rate1%0.25%
Reward CurrencyReward PointsICICI Reward Points
NetworkDiners ClubVisa
Editor Rating9.2/106.5/10
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

ICICI Bank Manchester United Signature Credit Card

  • 0% on Manchester United Match Days

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.

ICICI Bank Manchester United Signature Credit Card

Pros

  • Exclusive Manchester United branded welcome gift (Holdall and Football).
  • Accelerated 5 reward points per ₹100 spent on Manchester United match days.
  • Opportunity for top spenders to win a fully paid 'Manchester United Experience' at Old Trafford.
  • 25% discount on movie tickets twice a month on BookMyShow and INOX.

Cons

  • Lounge access requires a high spend of ₹75,000 in the previous calendar quarter.
  • High annual fee of ₹2,499 for a co-branded card with limited non-football benefits.
  • Reward points on rent, fuel, and utilities are heavily restricted or excluded.

Our Verdict

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

Exclusive access to club merchandise, discounts at the Red Cafe, and chances to visit Old Trafford.

Frequently Asked Questions

Which is better: HDFC Bank BizBlack Metal Card or ICICI Bank Manchester United Signature Credit Card?
HDFC Bank BizBlack Metal Card edges ahead overall with a stronger combination of rewards and value. However, ICICI Bank Manchester United Signature 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 ICICI Bank Manchester United Signature Credit Card?
HDFC Bank BizBlack Metal Card has an annual fee of ₹10,000, while ICICI Bank Manchester United Signature Credit Card has an annual fee of ₹2,499. HDFC Bank BizBlack Metal Card offers a fee waiver on ₹7,50,000 annual spend. ICICI Bank Manchester United Signature Credit Card offers a fee waiver on ₹2,50,000 annual spend.
Which card has better rewards: HDFC Bank BizBlack Metal Card or ICICI Bank Manchester United Signature Credit Card?
HDFC Bank BizBlack Metal Card offers a base reward rate of 1% with accelerated rewards on Tax & GST and SmartBuy (Flights/Hotels). ICICI Bank Manchester United Signature Credit Card offers 0.25% base rewards with bonuses on Manchester United Match Days. The better choice depends on your primary spending categories.
Can I have both HDFC Bank BizBlack Metal Card and ICICI Bank Manchester United Signature Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. HDFC Bank BizBlack Metal Card and ICICI Bank Manchester United Signature Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: HDFC Bank BizBlack Metal Card or ICICI Bank Manchester United Signature Credit Card?
For beginners, ICICI Bank Manchester United Signature Credit Card may be more approachable with a lower annual fee of ₹2,499. However, evaluate based on your expected spending pattern rather than fee alone.

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