HDFC BizBlack Credit Card: 5X Rewards on Taxes & Lounge
Explore HDFC Bank BizBlack Metal Credit Card features. Get 5X rewards on GST & Income Tax, unlimited lounge access, and premium business benefits.
The HDFC BizBlack is a game-changer for the Indian business segment, offering unprecedented 16.6% value back on tax payments. It effectively bridges the gap between premium lifestyle benefits and core business utility.
The Ultimate Business Powerhouse
The Bottom Line
The HDFC Bank BizBlack Metal Edition Credit Card is the HDFC BizBlack is a game-changer for the Indian business segment, offering unprecedented 16.6% value back on tax payments. It effectively bridges the gap between premium lifestyle benefits and core business utility. With a ₹10,000 annual fee that is waived on ₹7,50,000 yearly spend, it offers 5% rewards on business_essentials and a welcome benefit worth ₹5,000. For anyone researching HDFC BizBlack Credit Card, the verdict is simple: highly-recommended.
It earns a base reward rate of 1% and stacks best when your spending lines up with business-owner, frequent-traveler. The renewal fee gets easier to justify once you can hit ₹7,50,000 in yearly spend.
Who Should Get This Card
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Best fit for
IdealBusiness owners with high tax liabilities and vendor payments who want to maximize returns on mandatory expenses.
Entrepreneurs who travel frequently and value unlimited lounge access and high-value travel redemptions.
Probably not for
SkipIndividuals spending less than Rs. 7.5 Lakhs annually will find the high annual fee difficult to justify.
Is It Worth It For You?
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Reward Rates
HDFC Bank BizBlack Metal Edition Credit Card offers 1% basic reward rate.
Quick Calculator
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Welcome Offer
Club Marriott Annual Membership and a Taj Stay voucher worth Rs. 5,000 on spending Rs. 1.5 Lakhs in first 90 days.
Milestone Benefits
Rs. 5,000 SmartBuy Flight or Taj Stay voucher for every Rs. 5 Lakhs spent (retail only, excludes rent/petrol)
Renewal fee waiver on spending Rs. 7.5 Lakhs in an anniversary year
Fees & Charges
Eligibility
- Min Credit Score: 750
- Self-employed Indian citizens aged 21-65 with an annual ITR of Rs. 21 Lakhs and above. Existing HDFC cardholders with a limit > Rs. 6 Lakhs may also be eligible for upgrades.
Exclusions & Terms
Fuel
- Fuel transactions do not earn rewards. 1% fee applies on transactions > Rs. 30,000 (capped at Rs. 3000).
Rent
- Rent payments do not earn rewards and incur a 1% fee (capped at Rs. 3000).
Wallet Load
- Wallet loading transactions do not earn reward points.
Utility
- 1% fee applies on utility spends exceeding Rs. 75,000 per month (capped at Rs. 3000).
Education
- 1% fee on education payments via third-party apps (e.g., Cred, PhonePe). No fee on direct college/school websites.
Gaming
- 1% fee on online gaming transactions > Rs. 10,000 per month.
Frequently Asked Questions
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