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Side-by-Side Comparison|Updated March 2026

HDFC Bank BizBlack Metal Edition Credit Card vs Fabindia SBI Card SELECT

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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SBI Card

Fabindia SBI Card SELECT

7.5/10
Annual Fee₹1,499
Base Rewards0.25%
NetworkVisa
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Feature-by-Feature Comparison

FeatureHDFC Bank BizBlack Metal Edition Credit CardFabindia SBI Card SELECT
Annual Fee₹10,000₹1,499
Joining Fee₹10,000₹1,499
Fee Waiver Spend₹7,50,000₹2,00,000
Base Reward Rate1%0.25%
Reward CurrencyReward PointsReward Point
NetworkVisaVisa
Editor Rating9/107.5/10
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

Fabindia SBI Card SELECT

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

Fabindia SBI Card SELECT

Pros

  • High 10% value back on all Fabindia in-store and online spends.
  • Welcome gift voucher of ₹1,500 effectively offsets the joining fee.
  • Direct access to Platinum Tier Fabfamily membership for exclusive privileges.
  • Complimentary domestic lounge access and Priority Pass membership included.

Cons

  • Reward points are primarily valuable only when redeemed for Fabindia shopping.
  • Base reward rate for general spends is relatively low at 1%.
  • International lounge visits via Priority Pass are not complimentary (membership only).

Our Verdict

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

The 10% reward rate and Platinum tier membership offer unmatched value for frequent Fabindia shoppers.

Frequently Asked Questions

Which is better: HDFC Bank BizBlack Metal Edition Credit Card or Fabindia SBI Card SELECT?
HDFC Bank BizBlack Metal Edition Credit Card edges ahead overall with a stronger combination of rewards and value. However, Fabindia SBI Card SELECT 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 Fabindia SBI Card SELECT?
HDFC Bank BizBlack Metal Edition Credit Card has an annual fee of ₹10,000, while Fabindia SBI Card SELECT has an annual fee of ₹1,499. HDFC Bank BizBlack Metal Edition Credit Card offers a fee waiver on ₹7,50,000 annual spend. Fabindia SBI Card SELECT offers a fee waiver on ₹2,00,000 annual spend.
Which card has better rewards: HDFC Bank BizBlack Metal Edition Credit Card or Fabindia SBI Card SELECT?
HDFC Bank BizBlack Metal Edition Credit Card offers a base reward rate of 1% with accelerated rewards on BUSINESS_ESSENTIALS and SmartBuy - TRAVEL_HOTEL. Fabindia SBI Card SELECT offers 0.25% base rewards. The better choice depends on your primary spending categories.
Can I have both HDFC Bank BizBlack Metal Edition Credit Card and Fabindia SBI Card SELECT?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. HDFC Bank BizBlack Metal Edition Credit Card and Fabindia SBI Card SELECT can complement each other if they cover different reward categories.
Which card is better for beginners: HDFC Bank BizBlack Metal Edition Credit Card or Fabindia SBI Card SELECT?
For beginners, Fabindia SBI Card SELECT may be more approachable with a lower annual fee of ₹1,499. However, evaluate based on your expected spending pattern rather than fee alone.

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