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Side-by-Side Comparison|Updated March 2026

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

7.2/10
Annual Fee₹749
Base Rewards0.2%
NetworkVisa
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Feature-by-Feature Comparison

FeatureHDFC Bank BizBlack Metal Edition Credit CardAxis Bank Aura Credit Card
Annual Fee₹10,000₹749
Joining Fee₹10,000₹749
Fee Waiver Spend₹7,50,000N/A
Base Reward Rate1%0.2%
Reward CurrencyReward PointsEDGE Reward Points
NetworkVisaVisa
Editor Rating9/107.2/10
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 Aura Credit Card

  • 0% on Insurance

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 Aura Credit Card

Pros

  • 4 complimentary video doctor consultations per month via Practo.
  • 4 free interactive video fitness sessions and 16 recorded sessions per month via Fitternity.
  • 5X accelerated EDGE reward points on insurance spends (up to ₹10,000 transaction).
  • Annual discount of up to ₹500 on health checkups via IndushealthPlus.

Cons

  • No annual fee waiver based on spending milestones.
  • Low base reward rate of 0.2% (2 points per ₹200 spent).
  • No complimentary domestic or international airport lounge access.

Our Verdict

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

Offers significant value through free doctor consultations and fitness sessions that outweigh the annual fee.

Frequently Asked Questions

Which is better: HDFC Bank BizBlack Metal Edition Credit Card or Axis Bank Aura Credit Card?
HDFC Bank BizBlack Metal Edition Credit Card edges ahead overall with a stronger combination of rewards and value. However, Axis Bank Aura 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 Aura Credit Card?
HDFC Bank BizBlack Metal Edition Credit Card has an annual fee of ₹10,000, while Axis Bank Aura Credit Card has an annual fee of ₹749. HDFC Bank BizBlack Metal Edition Credit Card offers a fee waiver on ₹7,50,000 annual spend.
Which card has better rewards: HDFC Bank BizBlack Metal Edition Credit Card or Axis Bank Aura 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 Aura Credit Card offers 0.2% base rewards with bonuses on Insurance. The better choice depends on your primary spending categories.
Can I have both HDFC Bank BizBlack Metal Edition Credit Card and Axis Bank Aura 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 Aura 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 Aura Credit Card?
For beginners, Axis Bank Aura Credit Card may be more approachable with a lower annual fee of ₹749. However, evaluate based on your expected spending pattern rather than fee alone.

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