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HDFC Bank
HDFC Bank BizBlack Metal Edition Credit Card
Visa
HDFC Bank BizBlack Metal Edition Credit Card
HDFC's flagship business card — a metal card with unlimited lounge access and a flat, uncapped 3.33% reward rate on all business spend, aimed at high-spending business owners rather than salaried applicants.
Rates and fees last verified 15 July 2026.
Annual fee
₹10,000
Joining fee
₹10,000
Reward type
points
Base reward rate
3.33%
Card network
Visa
Card tier
Super-premium
Benefits by category
- ✈️ Travel
Unlimited complimentary domestic and international airport lounge access
- 🌍 Forex / international spend
2% forex markup on international transactions
Eligibility
- Minimum credit score: 750
- Minimum monthly income: ₹2,00,000
- Employment: self-employed
- Age: 25–65
Benefits
- Unlimited complimentary domestic and international airport lounge access
- Accelerated rewards and milestone benefits on business spend
- 24x7 concierge services
Pros
- + Unlimited airport lounge access
- + Strong uncapped reward rate on all business spend
- + Premium metal card with concierge service
Cons
- − Steep ₹10,000 joining fee
- − Requires business/self-employed income proof, not open to salaried applicants