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Side-by-Side Comparison|Updated March 2026

HDFC Bank BizBlack Metal Edition Credit Card vs Tata Star 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

Tata Star SBI Card

7.8/10
Annual Fee₹499
Base Rewards1%
NetworkVisa
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Feature-by-Feature Comparison

FeatureHDFC Bank BizBlack Metal Edition Credit CardTata Star SBI Card
Annual Fee₹10,000₹499
Joining Fee₹10,000₹499
Fee Waiver Spend₹7,50,000₹1,00,000
Base Reward Rate1%1%
Reward CurrencyReward PointsReward Point
NetworkVisaVisa
Editor Rating9/107.8/10
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

Tata Star SBI Card

  • 0% on Grocery
  • 0% on Dining
  • 0% on International

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

Tata Star SBI Card

Pros

  • High 3.5% value back at all Star Bazaar and Star Market outlets.
  • Up to 5% value back at select Tata partner brands like Westside and Croma.
  • Excellent 1:1 reward redemption ratio where 1 Reward Point equals ₹1.
  • Welcome gift voucher of ₹1,000 effectively covers the joining fee for two years.

Cons

  • No complimentary airport lounge access in this variant.
  • Rewards are most valuable only when redeemed within the Tata ecosystem.
  • Base reward rate of 1% is modest for non-partner retail spends.

Our Verdict

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

High value back at Star Bazaar makes it one of the best entry-level cards for monthly grocery runs.

Frequently Asked Questions

Which is better: HDFC Bank BizBlack Metal Edition Credit Card or Tata Star SBI Card?
HDFC Bank BizBlack Metal Edition Credit Card edges ahead overall with a stronger combination of rewards and value. However, Tata Star 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 Tata Star SBI Card?
HDFC Bank BizBlack Metal Edition Credit Card has an annual fee of ₹10,000, while Tata Star SBI Card has an annual fee of ₹499. HDFC Bank BizBlack Metal Edition Credit Card offers a fee waiver on ₹7,50,000 annual spend. Tata Star SBI Card offers a fee waiver on ₹1,00,000 annual spend.
Which card has better rewards: HDFC Bank BizBlack Metal Edition Credit Card or Tata Star 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. Tata Star SBI Card offers 1% base rewards with bonuses on Grocery and Dining. The better choice depends on your primary spending categories.
Can I have both HDFC Bank BizBlack Metal Edition Credit Card and Tata Star SBI Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. HDFC Bank BizBlack Metal Edition Credit Card and Tata Star 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 Tata Star SBI Card?
For beginners, Tata Star SBI Card may be more approachable with a lower annual fee of ₹499. However, evaluate based on your expected spending pattern rather than fee alone.

Explore More

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