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Side-by-Side Comparison|Updated March 2026

HDFC Bank BizBlack Metal Edition Credit Card vs Axis Bank ACE 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 Edition Credit Card

9/10
Annual Fee₹10,000
Base Rewards1%
NetworkVisa
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Axis Bank

Axis Bank ACE Credit Card

8.5/10
Annual Fee₹499
Base Rewards1%
NetworkVisa
View Full Details

Feature-by-Feature Comparison

FeatureHDFC Bank BizBlack Metal Edition Credit CardAxis Bank ACE Credit Card
Annual Fee₹10,000₹499
Joining Fee₹10,000₹499
Fee Waiver Spend₹7,50,000₹2,00,000
Base Reward Rate1%1%
Reward CurrencyReward PointsCashback
NetworkVisaVisa
Editor Rating9/108.5/10
Forex Markup2%3.5%

Accelerated Rewards

HDFC Bank BizBlack Metal Edition Credit Card

  • 5% on BUSINESS_ESSENTIALS — 7500 pts/month
  • 10% on SmartBuy - TRAVEL_HOTEL — 10000 pts/month
  • 5% on SmartBuy - TRAVEL_FLIGHT — 10000 pts/month
  • 10% on SmartBuy - SHOPPING — 10000 pts/month
  • 5% on SmartBuy - SHOPPING — 10000 pts/month
  • 3% on SmartBuy - VOUCHERS — 10000 pts/month
  • 3% on SmartBuy - TRAVEL_TRAIN — 10000 pts/month

Axis Bank ACE Credit Card

No accelerated rewards listed

Pros & Cons

HDFC Bank BizBlack Metal Edition Credit Card

Pros

  • Industry-first 5X rewards on Income Tax and GST payments
  • Unlimited domestic and international lounge access for both primary and add-on members
  • High reward redemption value of 1:1 for travel bookings via SmartBuy

Cons

  • High annual fee of Rs. 10,000 which requires significant spend for waiver
  • Strict eligibility criteria requiring a minimum ITR of Rs. 21 Lakhs
  • Accelerated rewards on taxes are capped at 7,500 points per statement cycle

Axis Bank ACE Credit Card

Pros

  • 5% cashback on utility bills and recharges via Google Pay (Android only)
  • 4% cashback on Swiggy, Zomato, and Ola with no individual merchant capping
  • Flat 1.5% uncapped cashback on all other eligible spends
  • Complimentary domestic lounge access (4 visits per year)

Cons

  • Combined monthly capping of ₹500 on 5% and 4% cashback categories
  • Lounge access requires a minimum spend of ₹50,000 in the previous 3 months
  • 5% utility cashback is restricted to Google Pay on Android devices

Our Verdict

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

Choose HDFC Bank BizBlack Metal Edition Credit Card if

Business owners with high tax liabilities and vendor payments who want to maximize returns on mandatory expenses.

Choose Axis Bank ACE Credit Card if

Highest cashback rate in the market for electricity, gas, and internet bills via GPay.

Frequently Asked Questions

Which is better: HDFC Bank BizBlack Metal Edition Credit Card or Axis Bank ACE Credit Card?
HDFC Bank BizBlack Metal Edition Credit Card edges ahead overall with a stronger combination of rewards and value. However, Axis Bank ACE 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 Edition Credit Card and Axis Bank ACE Credit Card?
HDFC Bank BizBlack Metal Edition Credit Card has an annual fee of ₹10,000, while Axis Bank ACE Credit Card has an annual fee of ₹499. HDFC Bank BizBlack Metal Edition Credit Card offers a fee waiver on ₹7,50,000 annual spend. Axis Bank ACE Credit Card offers a fee waiver on ₹2,00,000 annual spend.
Which card has better rewards: HDFC Bank BizBlack Metal Edition Credit Card or Axis Bank ACE Credit Card?
HDFC Bank BizBlack Metal Edition Credit Card offers a base reward rate of 1% with accelerated rewards on BUSINESS_ESSENTIALS and SmartBuy - TRAVEL_HOTEL. Axis Bank ACE Credit Card offers 1% base rewards. The better choice depends on your primary spending categories.
Can I have both HDFC Bank BizBlack Metal Edition Credit Card and Axis Bank ACE Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. HDFC Bank BizBlack Metal Edition Credit Card and Axis Bank ACE Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: HDFC Bank BizBlack Metal Edition Credit Card or Axis Bank ACE Credit Card?
For beginners, Axis Bank ACE Credit Card may be more approachable with a lower annual fee of ₹499. However, evaluate based on your expected spending pattern rather than fee alone.

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