HDFC Bank BizBlack Metal Edition Credit Card

HDFC Bank BizBlack Metal Credit Card – Features

Welcome Benefit

Complimentary Club Marriott Annual Membership and Taj Stay voucher worth ₹5000. To avail of these benefits, cardholders must spend ₹1.5 lakh within 90 days of card issuance. You can see the full details here.

Milestone Benefit

For each spend of ₹5 lakh, BizBlack Credit Card holders can avail of a SmartBuy Flight/Taj Stay voucher worth ₹5,000. In a calendar year, you can earn up to 4 vouchers, i.e., up to ₹20,000 on spends of ₹20 lakh.

A calendar year is defined as the time period from January to December. All retail spends are eligible for the milestone benefit except EMI, rent, and fuel.

• A qualified cardholder can redeem the milestone benefit within 90 days; after this period, the benefit will expire.
• Once the validation is successfully completed, the cardholder can choose and claim one voucher for the eligible benefit.
• Only one voucher worth ₹5,000 can be redeemed at the cardholder’s discretion.
• The Flight Voucher will be valid for six months from the date of redemption. In contrast, the Taj Stay Voucher will be valid for 365 days from the date of redemption.
• The validity of the voucher will be specified in the communication; after this period, the benefits will expire. Please note that voucher validity cannot be extended after it has expired.

Unlimited Free Airport Lounge Access

Primary and add-on credit cardholders can enjoy complimentary access to 1000+ airport lounges worldwide. This can be availed by making a minimum of one transaction in the previous month.

Golfing Privileges

Receive 6 free golf games every quarter at 15+ Indian and 100+ global courses with Diners Biz Black Credit Card. You would also get a 100% green fee waiver across golf courses in India.

For bookings or cancellations, you can contact 24/7 Golf Concierge Assistance at 1800 118 887 (India) or by phone at 022 42320226.

Wellness Benefits

Avail discounts and deals at leading spas, salons, and gyms with the HDFC Bank BizBlack Diners Credit Card.

HDFC Bank BizBlack Metal Credit Card – Rewards

Biz Black Metal Credit Card offers great rewards for many eligible and essential business spending.

• You can earn a maximum of 10,000 RP at an accelerated 5X rate per statement cycle.
• Rewards Points earned for Insurance transactions will be capped at 5,000 per day.
• Reward Points for grocery purchases are capped at 2,000 points per month.
• On the HDFC Bank SmartBuy portal, the redemption of Reward Points for flights & hotel bookings will be capped per calendar month at 75,000 Reward Points.

Reward Redemption

• You would need a minimum of 2,500 points for redemption.
• For hotel and flight bookings, reward points can be redeemed for a maximum booking value of 50%. The rest shall be paid through the credit card.
• There is a maximum limit of 150,000 reward points that can be earned each statement cycle.
• Reward points are valid for 3 years.

Income Tax/GST Payments With BizBlack Credit Card

Steps to pay Income Tax using Biz Black Credit Card-

• Login to the Income Tax Portal.
• Click on E-file and E-Pay Tax, Choose Income Tax, and Proceed.
• Choose the assessment year & select the type of payment.
• Enter tax details & proceed to payment.
• Choose Payment Gateway, and select any Bank from the list.
• Select Credit Cards & enter your Biz Black Credit Card details.

Steps to pay Goods and Services Tax using BizBlack Credit Card-

• Login to the GST Portal.
• Create GST challan (Services > Payments > Create Challan).
• Select the E-payment option.
• Within the E-payment section, choose the Credit Card option.
• Select the preferred bank and Tick the agreement box for terms and conditions.
• Click on the “Make Payment” button and enter the HDFC Bank Credit Card details.

Review of HDFC Bank BizBlack Credit Card

The HDFC Bank BizBlack Metal Edition Credit Card is currently one of the most exclusive and rewarding business credit cards available. It caters mainly to larger enterprises and businesses and comes with a hefty joining fee of ₹10,000. The card offers substantial benefits, such as accelerated 5X reward points on select business-related categories like bill payments and vendor transactions. The welcome perks are equally impressive, including Club Marriott Membership and Taj vouchers worth ₹5,000. Additionally, cardholders enjoy unlimited free lounge access both domestically and internationally, which enhances the travel experience for business professionals.

The card comes with an impressive reward program, especially for the accelerated spend categories. You can choose from various redemption options, including cashback against statements and product catalogs. However, the steep joining fee may not make it a suitable choice for small businesses. Nonetheless, if you’re a larger enterprise seeking a premium credit card tailored to your business needs, the card’s extensive rewards and travel perks make it a standout choice.