Vyaya
Side-by-Side Comparison|Updated March 2026

SBI Card - Tata Star Card SELECT vs HDFC Bank BizBlack Metal Card

Detailed comparison of fees, rewards, benefits, and value to help you choose the right credit card for your spending pattern.

SBI Card

SBI Card - Tata Star Card SELECT

7.8/10
Annual Fee₹2,999
Base Rewards1%
NetworkMastercard
View Full Details

HDFC Bank

HDFC Bank BizBlack Metal Card

9.2/10
Annual Fee₹10,000
Base Rewards1%
NetworkDiners Club
View Full Details

Feature-by-Feature Comparison

FeatureSBI Card - Tata Star Card SELECTHDFC Bank BizBlack Metal Card
Annual Fee₹2,999₹10,000
Joining Fee₹2,999₹10,000
Fee Waiver Spend₹3,00,000₹7,50,000
Base Reward Rate1%1%
Reward CurrencyReward PointReward Points
NetworkMastercardDiners Club
Editor Rating7.8/109.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

SBI Card - Tata Star Card SELECT

  • 0% on Groceries
  • 0% on Dining
  • 0% on International

HDFC Bank BizBlack Metal Card

  • 0% on Tax & GST
  • 0% on SmartBuy (Flights/Hotels)
  • 0% on Business Productivity Tools

Pros & Cons

SBI Card - Tata Star Card SELECT

Pros

  • Exceptional 1:1 reward redemption ratio where 1 Reward Point equals ₹1.
  • High 3.5% value back on all spends at Star Bazaar outlets.
  • Up to 5% value back at select Tata retail outlets like Westside and Croma.
  • Generous welcome and milestone vouchers that can fully offset the annual fee.

Cons

  • High annual fee of ₹2,999 with a relatively high waiver threshold of ₹3 Lakhs.
  • Rewards and benefits are heavily concentrated within the Tata ecosystem.
  • No complimentary international lounge access despite the premium fee.

HDFC Bank BizBlack Metal Card

Pros

  • Industry-first 5X Reward Points on Income Tax and GST payments via official portals.
  • Unlimited domestic and international airport lounge access for both primary and add-on members.
  • High reward rate of up to 16.5% on business essential spends like utility and software tools.
  • Premium metal card design with complimentary Club Marriott membership and Taj vouchers.

Cons

  • High annual fee of ₹10,000 + GST which requires significant spend for waiver.
  • Diners Club network may face acceptance issues at smaller local merchants compared to Visa/Mastercard.
  • Accelerated 5X rewards are capped at 7,500 points per statement cycle.

Our Verdict

HDFC Bank BizBlack Metal Card edges ahead overall with a stronger combination of rewards and value. However, SBI Card - Tata Star Card SELECT could be the better pick if its specific category strengths match your spending habits.

Choose SBI Card - Tata Star Card SELECT if

Maximum value is derived from shopping at Star Bazaar, Westside, Croma, and other Tata brands.

Choose HDFC Bank BizBlack Metal Card if

High-value tax and GST payments earn significant rewards, effectively offsetting the tax convenience fees.

Frequently Asked Questions

Which is better: SBI Card - Tata Star Card SELECT or HDFC Bank BizBlack Metal Card?
HDFC Bank BizBlack Metal Card edges ahead overall with a stronger combination of rewards and value. However, SBI Card - Tata Star Card SELECT could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between SBI Card - Tata Star Card SELECT and HDFC Bank BizBlack Metal Card?
SBI Card - Tata Star Card SELECT has an annual fee of ₹2,999, while HDFC Bank BizBlack Metal Card has an annual fee of ₹10,000. SBI Card - Tata Star Card SELECT offers a fee waiver on ₹3,00,000 annual spend. HDFC Bank BizBlack Metal Card offers a fee waiver on ₹7,50,000 annual spend.
Which card has better rewards: SBI Card - Tata Star Card SELECT or HDFC Bank BizBlack Metal Card?
SBI Card - Tata Star Card SELECT offers a base reward rate of 1% with accelerated rewards on Groceries and Dining. HDFC Bank BizBlack Metal Card offers 1% base rewards with bonuses on Tax & GST and SmartBuy (Flights/Hotels). The better choice depends on your primary spending categories.
Can I have both SBI Card - Tata Star Card SELECT and HDFC Bank BizBlack Metal Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. SBI Card - Tata Star Card SELECT and HDFC Bank BizBlack Metal Card can complement each other if they cover different reward categories.
Which card is better for beginners: SBI Card - Tata Star Card SELECT or HDFC Bank BizBlack Metal Card?
For beginners, SBI Card - Tata Star Card SELECT may be more approachable with a lower annual fee of ₹2,999. However, evaluate based on your expected spending pattern rather than fee alone.

Related Comparisons

SBI Card - Tata Star Card SELECT vs SBI Card PRIMEHDFC Bank BizBlack Metal Card vs SBI Card PRIMESBI Card - Tata Star Card SELECT vs ICICI Bank Emeralde Private Metal Credit CardHDFC Bank BizBlack Metal Card vs ICICI Bank Emeralde Private Metal Credit Card

Explore More

SBI Card - Tata Star Card SELECT Full ReviewHDFC Bank BizBlack Metal Card Full ReviewAll SBI Card CardsAll HDFC Bank CardsBrowse All Credit CardsCredit Card Guides & Tips