A premium business credit card designed for everyday rewards, travel comfort, and exclusive lifestyle benefits.
5X rewards on key business spends
Unlimited domestic and international lounge access
₹5,000 voucher every ₹5L spend
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| Benefit | Details |
|---|---|
| 5X Reward Points on Business Spends | Earn 5X Reward Points (25 points per Rs. 150) on GST, income tax, bill payments, MMT MyBiz bookings, and business tools via SmartBuy BizDeals. Minimum monthly spend Rs. 50,000; accelerated points capped at 7,500 per cycle. |
| Base Reward Rate | Earn 5 Reward Points per Rs. 150 on all other eligible spends. Maximum 1,50,000 Reward Points per month. |
| Up to 10X on SmartBuy | Earn up to 5X Reward Points on select brands such as MakeMyTrip and Flipkart. |
| Reward Point Redemption | 1 Reward Point = up to Rs. 1 for SmartBuy travel bookings; up to Rs. 0.50 on catalogue. |
| Welcome Benefit | Club Marriott Membership and Rs. 5,000 Taj Stay Voucher on Rs. 1.5 Lakh spend within 90 days. |
| Milestone Benefit | Rs. 5,000 voucher on every Rs. 5 Lakh spend; up to Rs. 20,000 per year. |
| Annual Fee Waiver | Renewal fee waived on spending Rs. 7.5 Lakh or more annually. |
| Unlimited Airport Lounge Access | Unlimited access to domestic and international lounges for primary and add-on cardholders (active usage required). |
| Golf Benefit | 6 complimentary golf games per quarter across India and globally. |
| Attribute | Classification |
|---|---|
| Issuer / Provider | HDFC Bank Limited |
| Bank / Non-bank | Bank-affiliated |
| Category | Super-Premium Business / Rewards / Travel / Lifestyle |
| Type of Card | Diners Club (Metal) |
| Free or Paid | Rs. 10,000 + Applicable Taxes annually (waived on Rs. 7.5 Lakh annual spend) |
The HDFC Bank BizBlack Metal Edition Credit Card is suited for self-employed individuals and business owners with high-value expenses such as GST payments, income tax, travel, and software purchases. It combines business rewards with lifestyle benefits like unlimited lounge access, golf privileges, and milestone hotel vouchers, making it relevant for users who can meet high spending thresholds.
Premium Metal Card: Issued on the Diners Club network with a metal construction. Acceptance may be limited at smaller merchants.
Unlimited Lounge Access: Complimentary access to 1,000+ airport lounges worldwide for primary and add-on cardholders, subject to at least one transaction in the previous month.
SmartBuy BizDeals Platform: Central platform for earning accelerated rewards on travel and business purchases.
Golf Privileges: 6 complimentary games per quarter across Indian and global golf courses.
Club Marriott Membership: Provides up to 20% discounts across partner properties in Asia-Pacific.
Milestone Vouchers: ₹5,000 voucher for every ₹5 Lakh spent, up to ₹20,000 annually.
Reward Redemption: Best value at ₹1 per point on SmartBuy travel bookings.
5X Reward Points: Applicable on GST payments, income tax payments, bill payments via PayZapp/SmartPay, MMT MyBiz bookings, and business software purchases via SmartBuy BizDeals.
5 Reward Points per ₹150: Base rate on select business spends.
Monthly Cap: Maximum 1,50,000 Reward Points per month.
SmartBuy Flights and Hotels: 1 Reward Point = ₹1
Product Catalogue: Up to ₹0.50 per point.
Club Marriott Annual Membership and ₹5,000 Taj Stay Voucher on spending ₹1.5 Lakh within 90 days. Applicable only to first-time cardholders.
₹5,000 voucher on every ₹5 Lakh spend, with a maximum of ₹20,000 annually.
Unlimited Airport Lounge Access: Unlimited domestic and international lounge access for primary and add-on cardholders, subject to monthly activity.
Golf Privileges: 6 complimentary games per quarter at Indian and global courses.
Dining Discounts: 10% instant discount over the existing discount on restaurant bill payments via Swiggy Dineout.
Club Marriott Benefits: Up to 20% discounts on dining and stays.
Concierge Services: Enjoy 24/7 concierge services on the HDFC Bank BizBlack Credit Card.
Disclaimer: The card features, benefits, application process, and other details mentioned above are accurate at the time of writing but may change without prior notice.
| Fee Type | Amount | Details |
|---|---|---|
| Joining Fee | Rs. 10,000 + Applicable Taxes | One-time charge on card issuance. |
| Annual / Renewal Fee | Rs. 10,000 + Applicable Taxes | Waived on spending Rs. 7.5 Lakh or more annually. |
| Criteria | Details |
|---|---|
Occupation | Self-employed individuals |
Age | 21 to 65 years |
Minimum Annual Income | Annual ITR exceeding Rs. 21 Lakh. |
Existing HDFC Credit Card Limit | Credit limit of Rs. 6 Lakh or above on an existing HDFC Bank credit card may also be considered for eligibility. |
Residency | Resident of India |
Credit Score | A strong credit profile and a high credit limit on existing cards improve approval chances. |
| Document Type | Details |
|---|---|
| Identity Proof | PAN Card (mandatory), Aadhaar Card, Passport, Driving Licence, or Voter ID |
| Address Proof | Aadhaar Card, Passport, Driving Licence, Voter ID, or recent utility bills |
| Income Proof | ITR (Income Tax Return) for the most recent financial year; GST returns; bank statements; and merchant payment reports as applicable |
| Business Proof | Business registration or equivalent proof of self-employment as required by the bank |
| Photographs | Recent passport-size photographs |
Step 1: Click on Apply Now: Hit the "Apply Now" button to start your application.
Step 2: Fill in Your Detail: Enter your personal, contact, and financial details in the application form.
Step 3: Upload Required Documents: Upload your PAN Card, Aadhaar/Address Proof, and Income Proof.
Step 4: Submit Your Application: Review all the details and click Submit.
Step 5: Approval & Card Delivery: Once approved, your HDFC Bank BizBlack Metal Edition Credit Card will be delivered to your registered address.
| Usage Tips | Details |
|---|---|
Ensure Rs. 50,000 Monthly Spend | Maintain minimum monthly spend to activate 5X Reward Points on business categories. |
Use SmartBuy BizDeals | Route GST, income tax, travel, and software purchases through SmartBuy for accelerated rewards. |
Redeem for Travel | Use Reward Points for SmartBuy flight and hotel bookings to get maximum value (Rs. 1 per point). |
Track Milestone Benefits | Monitor spending to unlock Rs. 5,000 vouchers for every Rs. 5 Lakh spent. |
Meet Annual Spend for Fee Waiver | Spend Rs. 7.5 Lakh annually to waive the renewal fee. |
Maintain Active Usage | Make at least one transaction per month to continue lounge access benefits. |
Pay Full Outstanding | Clear total dues before the due date to avoid interest charges and maximise benefits. |
The HDFC Bank BizBlack Metal Edition Credit Card is designed for users who want to maximize their credit card benefits effectively.
Disclaimer: The information provided on this page has been gathered from various reliable sources and is intended solely for general informational purposes. As details may change over time, we do not guarantee the accuracy or completeness of the content. Users are advised to verify the information with official or relevant sources before making any decisions or taking action.
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