HDFC
HDFC BizBlack Metal Edition Credit Card
This is an invite only card
Apply and get ₹1100 Rewards
Top Benefits
Get Complimentary Golf Games
with 6 games per quarter at top courses worldwide and 24x7 concierge booking assistance
Earn up to 10X Reward Points
on SmartBuy purchases, capped at 10,000 Reward Points per month
Best For
Shopping
Dining
Travel
Utility Bills
Joining / Annual Fee
Joining Fees
₹11,800 ( ₹10000 + GST )
Annual Fees
₹11,800 ( ₹10000 + GST )
Eligibility
Age
Criteria*
21-65 years
Salary
Criteria*
30LPA
Credit
Rating*
750+
New to credit
allowed
No
Existing Bank
Customer Allowed
No
See if you are eligible for this card
All Card Benefits
- Unlimited Airport Lounge International & domestic access valid for only Active Cardholders
- Earn 5X Reward Points on Bill payments (Payzapp & SmartPay), Income Tax/Advance Tax, GST payments, hotel & flight bookings via MMT MyBiz, and business productivity tools (Tally, Office 365, AWS, Google, Azure etc.) via SmartBuy BizDeals; applicable on minimum spends of ₹50,000 in a statement cycle; capped at 1,50,000 Reward Points per statement cycle
- Get up to 10X Reward Points on SmartBuy purchases (Travel, apparel, electronics); capped at 10,000 Reward Points per month
- SmartBuy Flight/Taj Stay Voucher worth ₹5,000 on every ₹5,00,000 spent (excludes EMI, rent, petrol)
- Earn vouchers worth ₹20,000 on annual spends of ₹20,00,000
- 6 complimentary golf games per quarter at top courses worldwide with 24x7 concierge booking assistance
How to Redeem Rewards & Cashback?
Rewards Conversion Rate
1 Reward Point =₹0.3
Redemption Options
- Flights/Hotels via SmartBuy
- Product catalogue
- Statement credit
- Insta Vouchers
- Air Miles
To check redemption catalogue
Gift card - Key Terms
Once you apply, we will start tracking your application
Generally takes 2-72 hrs
Once the bank confirms us of your successful card activation, we will process your rewards
Generally takes 7-75 days
You can then withdraw your rewards via Amazon Pay Balance/Flipkart gift cards
Generally takes 7-75 days
Note: If you currently hold or have ever held an HDFC Credit Card, you are not eligible for CashKaro Rewards.
Rewards Related
- If you currently hold or have ever held an HDFC Credit Card, you are not eligible for Gift Card
- A minimum transaction of Rs.100 within 30 days is mandatory to activate your card; otherwise, you wont be eligible for the Rewards
- Please use Aadhaar linked mobile number to fill the application
- If the distance between your residence and office addresses is 150 km or more, please ensure that your residence is selected as the mailing address. Applications not adhering to this will be rejected
- VKYC done over 50km from your Aadhaar/communication address will result in application rejection and loss of Rewards
Also, Remember
- Resume your application only via Great.Cards to avoid losing Rewards
- If your Rewards do not track, raise a Missing Rewards Ticket within 30 Days from the application date
- Rewards can only be redeemed as Amazon Pay Balance and Flipkart Gift Card
Bank Exclusions
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
Rent payment
Fuel
Insurance
EMI Transactions
Cash Withdrawals
Jewellery
School & Educational Services
Government related transactions
Wallet transactions
Load money
Fees
GST charges
All Reversals
Gambling
Tolls
Security Broker Services
Charity
Railways
Utility Bill Payments
Balance Transfer
Financial Charges
For Spends Waiver
Rent payment
Fuel
Insurance
EMI Transactions
Cash Withdrawals
Jewellery
School & Educational Services
Government related transactions
Wallet transactions
Load money
Fees
GST charges
All Reversals
Gambling
Tolls
Security Broker Services
Charity
Railways
Utility Bill Payments
Balance Transfer
Financial Charges
Bank Fee Structure
| Structure | Details |
|---|---|
Forex Markups  2% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency. | 2% |
APR Fees Interest is charged at 1.99% per month (23.88% per annum) on unpaid balances | 1.99% |
ATM withdrawal 2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable). | 2.50% |
Reward Redemption Fees No fee is charged when redeeming reward points on this card. | Not Applicable |
Link for all T&Cs | Click Here |
Railway Surcharge 1% of the transaction amount as Railway Ticket Purchase fee will be waived off as charges reversal on bookings made via IRCTC mobile app/website. Charges will be reversed post successful transaction and is capped at maximum INR 1000 per month | 1% |
Rent Payment Fees 1% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST and platform charges | 1% |
Cheque Payment Fees A fee of ₹100 is charged for payments made through cheque | ₹100 |
Cash Payment Fees ₹100 cash payment fee per deposit | ₹100 |
| Late Payment Fees | Amount Due |
|---|---|
| ₹0 - ₹500 | ₹0 |
| ₹501 - ₹1000 | ₹100 |
| ₹1001 - ₹5000 | ₹500 |
| ₹5001 - ₹10000 | ₹600 |
| ₹10001 - ₹25000 | ₹750 |
| ₹25001 - ₹50000 | ₹900 |
| ₹50000 and above | ₹1100 |
That’s the full story of this credit card
Like this card? Your apply button’s just there.
Top Benefits
Apply and get ₹1100 Rewards
Top Benefits
Get Complimentary Golf Games
with 6 games per quarter at top courses worldwide and 24x7 concierge booking assistance
Earn up to 10X Reward Points
on SmartBuy purchases, capped at 10,000 Reward Points per month
The smartest way to find your great credit card
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We value your time and privacy. Your details stay secure and are used only to help you.