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HDFC Bank BizBlack Metal Edition Credit Card
HDFC BizBlack Metal Edition is the bank's flagship business card — a premium metal product with unlimited lounge access and a 3.33% base reward rate (5 points per ₹150), aimed squarely at high-spending business owners rather than salaried applicants. Its ₹10,000 fee and ₹45 lakh annual business ITR requirement position it as the business-card counterpart to HDFC's Infinia and Diners Club Black.
Annual fee
₹10,000
Joining fee
₹10,000
Reward type
points
Base reward rate
3.33%
Card network
Visa
Card tier
Super-premium
Who this card fits
Best suited to business owners managing company spend with a credit score of roughly 750+ whose spend is concentrated in travel. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 3.33% base rate
- Domestic lounge access: Unlimited complimentary domestic airport lounge access for the primary cardholder, no spend condition
- International lounge access: Unlimited complimentary international airport lounge access for the primary cardholder, no spend condition
Benefits by category
- 🍽️ Dining & food delivery
24x7 concierge services covering travel bookings, dining reservations and lifestyle requests for busy business owners
- ✈️ Travel
Unlimited complimentary domestic and international airport lounge access for the primary cardholder, with no quarterly spend condition attached
- 🌍 Forex / international spend
2% forex markup on international transactions
Eligibility
- Minimum credit score: 750
- Minimum monthly income: ₹3,75,000
- Employment: self-employed
- Age: 21–65
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹7,50,000
- Rewards redemption fee: Redemption via SmartBuy or as statement credit is free; nominal fee only for catalogue/voucher redemptions
- Foreign currency markup: 2%
- Interest rate: 41.88% p.a.
- Fuel surcharge waiver: 1% fuel surcharge waived on transactions between ₹400 and ₹1,00,000, capped at ₹1,000 per statement cycle on this super-premium tier
- Cash advance charges: 2.5% of the withdrawn amount or ₹500, whichever is higher; interest accrues from the date of withdrawal with no interest-free period
Benefits
- Unlimited complimentary domestic and international airport lounge access for the primary cardholder, with no quarterly spend condition attached
- Accelerated reward point multipliers and additional milestone benefits that scale up as cumulative business spend on the card rises through the year
- 24x7 concierge services covering travel bookings, dining reservations and lifestyle requests for busy business owners
Pros
- + Unlimited domestic and international airport lounge access with no spend gate
- + 5 reward points per ₹150 (3.33%) on business spend, plus 5X on tax, bill, travel and software spends once you cross ₹50,000 in a cycle (capped at 7,500 points)
- + 24x7 concierge service for travel and lifestyle needs
- + Accelerated milestone rewards that reward consistently high business spend
- + Premium metal card construction signals status for client-facing business use
Cons
- − Steep ₹10,000 joining/renewal fee; renewal waived only on ₹7.5 lakh of spend in an anniversary year
- − Open only to self-employed/business applicants — salaried professionals cannot apply
- − High bar: annual business ITR above ₹45 lakh with a mandatory liability relationship
Best for
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