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Side-by-Side Comparison|Updated March 2026

HDFC Bank BizBlack Metal Edition Credit Card vs CASHBACK SBI 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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SBI Card

CASHBACK SBI Card

8.5/10
Annual Fee₹999
Base Rewards1%
NetworkVisa
View Full Details

Feature-by-Feature Comparison

FeatureHDFC Bank BizBlack Metal Edition Credit CardCASHBACK SBI Card
Annual Fee₹10,000₹999
Joining Fee₹10,000₹999
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

CASHBACK SBI Card

  • 0% on Online Spends

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

CASHBACK SBI Card

Pros

  • Flat 5% cashback on almost all online spends without merchant restrictions.
  • 1% flat cashback on all offline spends and utility payments.
  • Cashback is auto-credited to the statement within 2 days of statement generation.
  • Simple annual fee waiver at ₹2 lakh annual spend.

Cons

  • Monthly cashback capped at ₹4,000 (₹2,000 online / ₹2,000 offline) from April 2026.
  • No complimentary domestic or international airport lounge access.
  • Extensive list of exclusions including rent, fuel, wallet loads, and government transactions.

Our Verdict

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

Highest flat cashback rate of 5% across all e-commerce platforms like Amazon, Flipkart, and Myntra.

Frequently Asked Questions

Which is better: HDFC Bank BizBlack Metal Edition Credit Card or CASHBACK SBI Card?
HDFC Bank BizBlack Metal Edition Credit Card edges ahead overall with a stronger combination of rewards and value. However, CASHBACK SBI 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 CASHBACK SBI Card?
HDFC Bank BizBlack Metal Edition Credit Card has an annual fee of ₹10,000, while CASHBACK SBI Card has an annual fee of ₹999. HDFC Bank BizBlack Metal Edition Credit Card offers a fee waiver on ₹7,50,000 annual spend. CASHBACK SBI Card offers a fee waiver on ₹2,00,000 annual spend.
Which card has better rewards: HDFC Bank BizBlack Metal Edition Credit Card or CASHBACK SBI 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. CASHBACK SBI Card offers 1% base rewards with bonuses on Online Spends. The better choice depends on your primary spending categories.
Can I have both HDFC Bank BizBlack Metal Edition Credit Card and CASHBACK SBI Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. HDFC Bank BizBlack Metal Edition Credit Card and CASHBACK SBI 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 CASHBACK SBI Card?
For beginners, CASHBACK SBI Card may be more approachable with a lower annual fee of ₹999. However, evaluate based on your expected spending pattern rather than fee alone.

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