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Businesses of all sizes, small or large, can benefit from the convenience and ease provided by business credit cards. HDFC Bank offers a wide range of business credit cards to help businesses grow and transact easily. The latest addition to their collection is the HDFC Bank Biz Black Credit Card, which is a super premium credit card. This card can provide businesses with much-needed credit, as well as rewards on essential business expenses.

The BizBlack Metal Credit Card is available for a joining fee of Rs. 10,000. Upon availing this card, customers would receive Club Marriott Membership and Taj Vouchers worth Rs. 5,000 as a welcome benefit. Furthermore, customers can also avail of Taj Stay Vouchers by reaching a spend milestone of Rs. 5 lakh. Keep on reading the article to know more details about the card.

HDFC Bank BizBlack Metal Edition Credit Card


Joining Fee

Rs. 10,000 + GST

Renewal Fee

Rs. 10,000 + GST

Best Suited For

Business Expenses |

Reward Type

Reward Points |

Welcome Benefits

Club Marriott Membership and Taj Vouchers Worth Rs. 5,000

Movie & Dining

25% Discount on Restaurant Bill Payments Via Swiggy Dineout and 20% Discount on Dining Via Club Marriott Membership

Rewards Rate

5X RPs on Select Business Spends and 5 RPs on Other Spends of Rs. 150. Value of 1 RP is Up To Rs. 1

Reward Redemption

RPs Can be Redeem for Vouchers, Flight/Hotel Bookings, and Cash Against Statement




6 Complimentary Golf Games Each Quarter

Domestic Lounge Access

Unlimited Free Lounge Access

International Lounge Access

Unlimited Free International Lounge Access

Insurance Benefits


Zero Liability Protection

Cardholder Will Not Be Liable for Any Fraudulent Transaction if the Card is Reported Lost or Stolen to the Bank in a Timely Manner

Spend Based Waiver

Renewal Fee Waiver on Spends of Rs. 7.5 Lakhs

Rewards Redemption Fee


Rewards Redemption Fee


Foreign Currency Markup

2% of the Total Transaction Amount

Interest Rates

1.99% Monthly (23.88% Annually)

Fuel Surcharge


Cash Advance Charges

2.5% or Rs. 500

Add-on Card Fee


  • Earn 5X Reward Points on select eligible categories.
  • Earn 5 Reward Points/Rs. 150 on all other spends.
  • Renewal fees can be waived by spending Rs. 7.5 lakh in a card anniversary year.


  • This card offers accelerated reward points for business spends.
  • Unlimited lounge access is offered with this card.


  • Due to the high joining fee, this card is only available to large businesses and enterprises.

HDFC Bank BizBlack Metal Credit Card – Features

Welcome Benefit

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

Milestone Benefit

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

Unlimited Free Airport Lounge Access

Primary and add-on credit cardholders can enjoy complimentary access to 1000+ airport lounges worldwide.

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 on many eligible and essential business spends.

Reward Points Spends On
Accelerated 5X Reward Points (25 RP) on Minimum Spends of Rs. 50,000 Per Statement Cycle Bill Payments (via Payzapp/Smartbuy), Income Tax/Advance Tax Payments, Vendor/Supplier & GST Payment (via Swifti & SmartHub Vyapaar), Hotel/Flight Bookings (Via MMT MyBiz), and spends on Business Productivity Tools like Tally, Office 365, and Azure.
5 Reward Points Per Rs. 150 Spent All Other Spends (Excluding Petrol, Wallet, Rent, Education, and EMI)
  • You can earn a maximum of 7,500 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 a period of 3 years.
Redemption  Value of 1 Reward Point
Cashback (Against Statement) Rs. 0.30
Flight and Hotel Bookings on Smartbuy Rs. 1
Product Catalogue Via Netbanking and Smartbuy Rs. 0.35
Airmiles 1 Airmiles
Business Catalogue Via Netbanking and Smartbuy Rs. 0.35
Insta Vouchers (Amazon, Croma, Raymonds, Reliance Digital) Rs. 0.35

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 Rs. 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 Rs. 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.


The HDFC Bank BizBlack Credit Card comes at a joining and renewal fee of Rs. 10,000 plus applicable taxes. The joining fee can be waived on spends of Rs. 1.5 lakh in the first 90 days.
HDFC Bank BizBlack Credit Card holders will get 6 complimentary golf games each quarter. You can contact the 24*7 golf concierge service at 1800 118 887 to book your golf games.
HDFC Bank BizBlack Metal Edition Credit Card

HDFC Bank BizBlack Metal Edition Credit Card



  1. dhawal shah Reply

    hii, seems good card.. pls tell me how it is different from hdfc corporate premium card?
    will it come under personal liability or business entity liability?
    will our company name mentioned like hdfc corp card..

  2. Harshit Reply

    What airline partners are there for a 1:1 ratio? Are all Smarbuy partners or just Krisflyer and Vistara?

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