Find my best card →
faayda.com › cards › HDFC Bank Biz Black Metal Edition Credit Card
HDFC Bank · Diners Club · हिन्दी

HDFC Bank Biz Black Metal Edition Credit Card: full review

The HDFC Biz Black Metal Edition is a premium business card for owners with a business income above ₹45 lakh. Its strengths are unlimited lounge access, a 2% forex markup, very low interest for an HDFC card and points on tax and GST payments. The headline 3.3% return only holds when points go to SmartBuy flights and hotels, so the card pays off when the business spends ₹7.5 lakh or more a year and the owner will use lounges, travel and milestone vouchers. For everyone else, the eligibility bar alone rules it out.

Apply now ↗Annual fee: ₹10,000 + taxes
Last updated: October 2026 · Current terms verified
HDFC BANK
)))
BIZ BLACK METAL
ASHOK KUMAR
12/28
₹10,000 + taxes (renewal waived on ₹7.5 lakh annual spend)Annual fee
5 Reward Points per ₹150 (about 3.3% at the top redemption rate of ₹1 per point on SmartBuy flights and hotels, 1% as statement cashback), with 5X on tax, GST, bill-payment and business-travel spends above ₹50,000 a cycle. Fuel, rent, wallet, education and EMI earn nothingReward structure
Unlimited domestic and international (1,000+ lounges), if you made at least one transaction the previous monthLounge access
Unlimited airport lounge access in India and abroad for primary and add-on cardholders, for any cardholder who transacted in the previous month5 Reward Points per ₹150, redeemable at up to ₹1 per point on SmartBuy flights and hotels (up to 70% of the booking value)5X reward points on income tax, GST and bill payments, MakeMyTrip MyBiz travel bookings and business software, above ₹50,000 spend in a statement cycleMilestone vouchers: a ₹5,000 SmartBuy flight or Taj Stay voucher for every ₹5 lakh spent, up to ₹20,000 worth a year on ₹20 lakhWelcome benefit: a complimentary All Accor+ Explorer Membership on ₹1.5 lakh spend within 90 days (for cards set up from 15 September 2026)6 complimentary golf games a quarter at courses in India and abroad, with 24x7 concierge booking helpCredit liability cover of ₹9 lakh and zero liability on lost-card fraud once reportedBusiness insurance package from ₹3,785 a year, covering shop fire and burglary, cash in safe or transit, electronic equipment and hospital cashUp to 55 days of interest-free credit, and a low 1.99% monthly finance chargeIncome tax and GST can be paid by card on the government portals, and a GST number can be linked for input tax credit tracking
Apply now ↗ Min. income: Self-employed Indian citizens aged 21 to 65 with business-income ITR above ₹45 lakh a year and a mandatory liability relationship with HDFC Bank · Credit score: Not publicly specified
Pros and cons
Pros
✓ Unlimited lounge access in India and abroad with only one transaction a month needed
✓ A low 2% forex markup and a low 1.99% monthly interest rate, both well below HDFC's standard cards
✓ Government spends earn points, which HDFC's consumer cards exclude, and tax and GST payments earn 5X
✓ Useful business extras: GST-linked tracking, MakeMyTrip MyBiz fares, software discounts and a business insurance package
✓ Milestone vouchers add real value for businesses that put large spends on the card
Cons
✗ Very high eligibility: a business-income ITR above ₹45 lakh a year and an existing liability relationship with HDFC Bank, so most applicants will not qualify
✗ The ₹10,000 renewal fee needs ₹7.5 lakh of annual spend to waive, and the 3.3% headline earn rate only holds if points are redeemed on SmartBuy flights and hotels
✗ Redeeming as statement cashback pays only ₹0.30 per point, which cuts the base return to about 1%
✗ Fuel, rent, wallet, education and EMI spends earn no points, and grocery and utility earnings are capped at 2,000 points a month each
✗ HDFC's own pages disagree on whether the 5X rate is capped at 7,500 points per statement cycle, and its FAQ still lists an older welcome benefit, so confirm both with the bank
✗ No fuel surcharge waiver, and the card is for business-income earners rather than salaried applicants
Quick facts
Issuer HDFC Bank
Network Diners Club
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹10,000 + taxes (renewal waived on ₹7.5 lakh annual spend)
Joining feeA one-time fee charged when you first get the card, separate from the recurring annual fee.Full definition → ₹10,000
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → Unlimited domestic and international (1,000+ lounges), if you made at least one transaction the previous month
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 2%
Interest rate 1.99% per month (23.88% a year)
Fee waiver Renewal fee waived on ₹7.5 lakh spend in an anniversary year (12 billing cycles); the bank lists no joining fee waiver
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → Self-employed Indian citizens aged 21 to 65 with business-income ITR above ₹45 lakh a year and a mandatory liability relationship with HDFC Bank
Min. credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → Not publicly specified
SourceHDFC Bank's Most Important Terms and Conditions (MITC), version 4.14 · Last checked October 2026
Calculate your annual benefit

Enter your typical monthly spend to see exactly how much you'd earn with this card.

₹
₹
₹
₹
₹
₹
Enter your monthly spend above to see your benefit
Frequently asked questions
The annual fee for HDFC Bank Biz Black Metal Edition Credit Card is ₹10,000 + taxes (renewal waived on ₹7.5 lakh annual spend). The joining fee is ₹10,000.
5 Reward Points per ₹150 (about 3.3% at the top redemption rate of ₹1 per point on SmartBuy flights and hotels, 1% as statement cashback), with 5X on tax, GST, bill-payment and business-travel spends above ₹50,000 a cycle. Fuel, rent, wallet, education and EMI earn nothing
HDFC Bank Biz Black Metal Edition Credit Card is best for Self-employed business owners with a business income above ₹45 lakh a year who want unlimited airport lounge access, tax and GST payments on a card, and milestone vouchers, and who will spend ₹7.5 lakh or more a year to waive the renewal fee. The HDFC Biz Black Metal Edition is a premium business card for owners with a business income above ₹45 lakh. Its strengths are unlimited lounge access, a 2% forex markup, very low interest for an HDFC card and points on tax and GST payments. The headline 3.3% return only holds when points go to SmartBuy flights and hotels, so the card pays off when the business spends ₹7.5 lakh or more a year and the owner will use lounges, travel and milestone vouchers. For everyone else, the eligibility bar alone rules it out.
The minimum income requirement for HDFC Bank Biz Black Metal Edition Credit Card is Self-employed Indian citizens aged 21 to 65 with business-income ITR above ₹45 lakh a year and a mandatory liability relationship with HDFC Bank. A minimum credit score of Not publicly specified is also recommended.
Yes, HDFC Bank Biz Black Metal Edition Credit Card offers Unlimited domestic and international (1,000+ lounges), if you made at least one transaction the previous month.
HDFC Bank Biz Black Metal Edition Credit Card charges a 2% foreign currency markup on international transactions. This is lower than the standard 3.5% charged by most Indian credit cards.
Related guides
Best Travel Credit Cards →Best Shopping Credit Cards →Best Credit Cards for Amazon and Flipkart →Best Premium Credit Cards →Best Super Premium Credit Cards →
Card reviews
IDFC FIRST Ashva Credit CardFrequent travellers who book hotels and flights through the IDFC FIRST Bank app specifically, where the real redemption value is highest; weak for everyday spending outside the appAxis Bank Select Credit CardHigher spenders (₹6L+ income) who will spend ₹3L+ a year, want international lounge access through Priority Pass with 12 visits, and want a 2% earn rate on everyday retail spendsAxis Bank Privilege Credit CardModerate-to-high spenders in the ₹6-15L income range who will hit the lounge spend gate every quarter and want a simple, uncapped reward rate without chasing accelerated categoriesRBL Bank IRCTC Credit CardFrequent IRCTC train travellers who will use the railway lounges and want cancellation protection, not a general-purpose rewards card
Embed this card
Add this widget to your site
Writing a review or comparison for the HDFC Bank Biz Black Metal Edition Credit Card? Embed this live widget. It always shows our current, verified fee and reward rate, so it never goes stale.
Live preview
<iframe src="https://faayda.com/embed/hdfc-biz-black"
  width="420" height="260"
  frameborder="0"></iframe>
No sign-up · Free to use
HDFC Bank Biz Black Metal Edition₹10,000 + taxes
Apply now ↗