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
The HDFC BizBlack Metal Edition Credit Card caters exclusively to self-employed professionals and busin...
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The HDFC BizBlack Metal Edition Credit Card caters exclusively to self-employed professionals and busin...
The HDFC BizBlack Metal Edition Credit Card caters exclusively to self-employed professionals and business owners who want to turn their massive operational expenses into free travel and premium lifestyle perks. Right out of the gate, this card impresses with unlimited domestic and international airport lounge access and a highly lucrative 5X reward points structure on essential business payments like GST, income tax, and vendor software bills.
Unlike generic premium cards that offer rewards on shopping, the HDFC BizBlack Metal Edition Credit Card specifically targets where businesses spend the most. If you routinely make bulk payments on the PayZapp app, pay utility bills via SmartPay, or book corporate travel through MMT MyBiz, this Diners Club card accelerates your reward accumulation drastically. With an annual fee of Rs. 10,000, you can easily recover your cost through milestone perks, Club Marriott memberships, and high-value redemption ratios on the SmartBuy portal.
This card beats out many standard premium options because it acknowledges heavy business expenses. Instead of giving you trivial points for small purchases, it rewards you for running your enterprise. For a business owner with monthly expenses crossing Rs. 50,000, the accelerated rewards and robust milestone vouchers make this an exceptional financial tool.
View FAQ
Commonly Asked Questions
Is the HDFC BizBlack Metal Edition Credit Card lifetime free?
No, the card comes with a joining fee of Rs. 10,000 and an annual renewal fee of Rs. 10,000. However, you can get the joining fee waived by spending Rs. 1.5 lakh in the first 90 days, and the annual fee waived by spending Rs. 7.5 lakh in a year.
Who should apply for this credit card?
This card is strictly for self-employed professionals and business owners aged between 21 and 65 years. Salaried individuals are not eligible to apply. It works best for business owners who make large GST, IT, or business travel payments.
What makes this card different from regular premium cards?
Unlike regular premium cards, it offers 5X reward points on specific business expenses like GST payments, income tax payments, and business software purchases through SmartBuy BizDeals. It also provides unrestricted unlimited airport lounge access for active cardholders.
Is this a good first card for building credit?
No, this is a super-premium business credit card requiring a high CRIF score of 750 and a substantial annual income of Rs. 30 lakh. It is designed for established business owners with a solid credit history, not beginners.
Expert Review
The HDFC BizBlack Metal Edition Credit Card is an absolute powerhouse for established business owners. The ability to earn 5X reward points on unavoidable business expenses like GST, IT payments, and vendor software is a game-changer. I love how effortlessly this card can accumulate points when you push your monthly corporate overheads through it. The unlimited domestic and international lounge access further cements its status as a top-tier corporate travel companion.
However, the card does have a glaring flaw: its exceptionally high 3.5% forex markup fee. For a metal card carrying a Rs. 10,000 annual fee and targeting high-flying business owners, a 3.5% markup is uncompetitive when cheaper cards offer 1.5% or even zero markup. If your business relies heavily on international vendor payments in USD, you will lose a significant chunk of money to these fees.
Overall, this card is spectacular if your core spends are domestic GST, taxes, and domestic corporate travel via MMT MyBiz. If you meet the strict Rs. 30 lakh income criteria, the Rs. 7.5 lakh annual fee waiver is remarkably easy to hit, effectively giving you premium metal perks for free.
Joining / Annual Fee
Joining Fees
₹11,800 ( ₹10000 + GST )
Annual Fees
₹11,800 ( ₹10000 + GST )
Premium benefits come with a premium price tag, but the HDFC BizBlack Metal Edition Credit Card offers ...
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Premium benefits come with a premium price tag, but the HDFC BizBlack Metal Edition Credit Card offers ...
Premium benefits come with a premium price tag, but the HDFC BizBlack Metal Edition Credit Card offers clear paths to waive these costs. The card carries a substantial one-time joining fee of Rs. 10,000 plus applicable taxes. However, the bank completely waives this joining fee if you spend Rs. 1.5 lakh on the card within the first 90 days of card issuance.
From the second year onward, you are charged an annual renewal fee of Rs. 10,000 plus taxes. You can also bypass this recurring cost effortlessly. The annual fee is waived entirely if you achieve a total retail spend of Rs. 7.5 lakh or more during your card anniversary year. For a business owner using the card for inventory, software, and taxes, spending roughly Rs. 62,500 per month effortlessly clears this Rs. 7.5 lakh annual threshold, making the card essentially free to hold year after year.
View FAQ
Commonly Asked Questions
What are the joining fees for this card?
The one-time joining fee is Rs. 10,000 plus applicable GST, charged in your first statement.
Can the Rs. 10,000 joining fee be waived?
Yes, the joining fee is fully waived if you spend Rs. 1.5 lakh or more on your card within the first 90 days of activation.
What is the annual or renewal fee?
From the second year onwards, the card charges an annual renewal fee of Rs. 10,000 plus GST.
Is there an annual fee waiver option based on my yearly spending?
Yes, the bank will waive the Rs. 10,000 annual fee if you spend Rs. 7.5 lakh or more in a year on your credit card.
Do rent payments count toward the Rs. 7.5 lakh annual fee waiver target?
Transactions like rent, fuel, and wallet top-ups are strictly excluded from the Rs. 7.5 lakh annual fee waiver calculation.
What happens if I only spend Rs. 7 lakh in a year?
If you fall short of the Rs. 7.5 lakh target, you will be charged the full Rs. 10,000 annual fee plus GST on your card anniversary date.
If my joining fee is waived, do I still get the welcome benefits?
Yes, the target to waive the joining fee and the target to earn the welcome benefits (Club Marriott + Taj Voucher) are identical: spend Rs. 1.5 lakh in 90 days. You get both the waiver and the gifts.
How can I get this card lifetime free without spending conditions?
This card is not offered as lifetime free; the annual fee is only waived by meeting the Rs. 7.5 lakh yearly spending milestone.
Eligibility
Age
Criteria*
21-65 years
Salary
Criteria*
30LPA
Credit
Rating*
750+
New to credit
allowed
No
Existing Bank
Customer Allowed
No
The HDFC BizBlack Metal Edition Credit Card has strict and specialized eligibility parameters. Because ...
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The HDFC BizBlack Metal Edition Credit Card has strict and specialized eligibility parameters. Because ...
The HDFC BizBlack Metal Edition Credit Card has strict and specialized eligibility parameters. Because this is a high-end business card, it is entirely restricted to self-employed individuals and business owners. Salaried employees, regardless of their income level, are not eligible for this specific card variant.
You must be between 21 and 65 years of age to apply. On the financial front, the bank demands a very strong income profile. You must have a minimum monthly income of Rs. 2,50,000, which translates to an annual income of at least Rs. 30 lakh as per your Income Tax Returns (ITR). This ensures that only established businesses with high cash flow hold the card.
Additionally, a pristine credit history is mandatory. You need a minimum CRIF credit score of 750 to be considered for approval. Meeting these high standards ensures that the cardholder has the financial capacity to utilize the high credit limits and heavy spending targets associated with the card.
View FAQ
Commonly Asked Questions
What is the minimum age to apply for this card?
The primary applicant must be at least 21 years old to be eligible for this credit card.
What is the maximum age limit for the primary cardholder?
The upper age limit for eligibility is 65 years at the time of submitting the application.
Can salaried professionals apply for this card?
No, this card is strictly not issued to salaried individuals. It is exclusively meant for self-employed professionals and business owners.
What is the minimum annual income required for self-employed applicants?
Self-employed individuals must demonstrate a minimum annual income of Rs. 30 lakh on their Income Tax Returns. This breaks down to approximately Rs. 2,50,000 per month.
What credit score (CRIF/CIBIL) is needed for approval?
You need a strong credit history with a minimum CRIF score of 750 to qualify for the HDFC BizBlack Metal Edition Credit Card.
Will my application be rejected if my credit score is exactly 740?
Since the strict minimum requirement is a CRIF score of 750, a lower score will likely lead to an automatic rejection. Ensure your credit report is clean before applying.
Do I need to submit my business financials to prove my income?
Yes, as a self-employed applicant, you will need to submit your latest Income Tax Returns (ITR) computing to Rs. 30 lakh or above, along with other business proofs requested by the bank.
Can I apply if my startup is only 6 months old?
Your business must be operational for at least 3 years with filed ITRs for the past three financial years to qualify for this super-premium 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
Welcome Benefits
Getting started with the HDFC BizBlack Metal Edition Credit Card brings immediate v...
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Welcome Benefits Getting started with the HDFC BizBlack Metal Edition Credit Card brings immediate v...
Welcome Benefits
Getting started with the HDFC BizBlack Metal Edition Credit Card brings immediate value to offset your upfront costs. Upon meeting the initial spending criteria, you receive a highly valuable hospitality package. You get a Club Marriott Annual Membership alongside a Taj stay voucher worth Rs. 5,000. This combination allows you to enjoy up to 20 percent discounts on dining, hotel stays, and spa services at Marriott properties across the Asia-Pacific region.
To qualify for this welcome package, you need to spend Rs. 1,50,000 within the first 90 days of card issuance. For a business owner, routing a single month of operational expenses or a quarter of vendor payments through the card easily clears this hurdle. This practical benefit ensures that your initial Rs. 10,000 joining fee pays for itself almost immediately through luxury hotel stays and dining.
Reward Points Structure
The core earning engine of this card is highly lucrative if you understand the multipliers. The base rate gives you 5 Reward Points for every Rs. 150 spent on regular retail purchases. However, the real magic happens with the 5X accelerated rewards. You earn 5X points on SmartPay and PayZapp bill payments, IT and GST payments, MMT MyBiz travel bookings, and business software purchases via SmartBuy BizDeals.
To trigger the 5X rewards, you must have a minimum monthly spend of Rs. 50,000 on your card. Once triggered, the 5X bonus points are capped at 7,500 points per month. There are also specific category caps to keep in mind: utility, telecom, cable, and grocery spends are capped at 2,000 points per month, and insurance spends are capped at 5,000 points per day. The total reward points you can earn in a single statement cycle across all categories is capped at a generous 1,50,000 points.
Let us look at a practical example. Suppose you pay Rs. 50,000 in GST using your card. At the base rate of 5 points per Rs. 150, you earn about 1,666 points. With the 5X multiplier, you earn 8,330 points. Since the 5X bonus is capped at 7,500 points per month, you will receive exactly 7,500 bonus points for this transaction. If you redeem these points for flights on SmartBuy at Re. 1 per point, you just saved Rs. 7,500 on a single tax payment.
Flight and Travel Benefits
Frequent business travelers get tremendous value from this card. When you book flights and hotels through MMT MyBiz via SmartBuy BizDeals, you instantly get a 4 percent discount. The MMT MyBiz platform also offers discounted corporate fares, free meals, free seat selections, and low cancellation fees, all of which directly lower your company's travel budget.
Furthermore, this card provides Diners Exclusive Fast Track Airport Experience, allowing you to skip the regular check-in lines and access baggage assistance. If you fly multiple times a month, these expedited services save hours of waiting time.
Milestone Benefits
To reward heavy spenders, the HDFC BizBlack Metal Edition Credit Card features a robust milestone program. For every Rs. 5,00,000 you spend on eligible retail transactions, you receive a Rs. 5,000 SmartBuy Flight or Taj Stay voucher. This effectively adds an extra 1 percent return on your spending.
You can earn these milestone vouchers multiple times a year, up to a maximum limit of Rs. 20,000 per year. Note that rent payments and petrol purchases do not count toward this Rs. 5,00,000 spending target. For example, if your business spends Rs. 20,00,000 annually on eligible vendor payments and inventory, you will max out this benefit and secure Rs. 20,000 worth of free flights or luxury hotel stays.
Airport Lounge Benefits
The lounge access on this card is truly top-tier. As long as you are an active cardholder, you get completely unlimited access to both domestic and international airport lounges. Whether you take two flights a year or fifty, you never have to worry about running out of lounge visits or tracking quarterly quotas.
This is a massive cost saver. If a typical international lounge access costs around Rs. 2,500, a business traveler making 10 trips a year saves Rs. 25,000 annually just on food and seating at the airport. This benefit alone can justify the annual fee of the card.
Dining Benefits
Client dinners and team lunches are common business expenses, and this card softens the blow. You receive a flat 10 percent extra discount on your dining bills at over 35,000 participating restaurants when you pay using the HDFC BizBlack Metal Edition Credit Card. For instance, if you host a client dinner that costs Rs. 15,000, you instantly save Rs. 1,500, dropping your bill to Rs. 13,500.
View FAQ
Commonly Asked Questions
How do I qualify for the welcome bonus?
You need to spend a minimum of Rs. 1,50,000 on your card within the first 90 days of activation. Once you hit this target, you qualify for the Club Marriott membership and the Taj stay voucher.
What is the exact value of the welcome benefit?
The Taj stay voucher is worth exactly Rs. 5,000. The Club Marriott Annual Membership adds substantial value through 20 percent discounts on dining, stays, and spa services across Marriott properties in Asia-Pacific.
Does spending on rent or fuel count toward the welcome benefit target?
Spending on rent, fuel, and wallet loads is excluded from the welcome benefit target. Use the card for business retail purchases or tax payments to meet the spending requirement.
When will I receive the welcome benefit after reaching the target?
Welcome vouchers and memberships are dispatched within 30 to 45 days after your statement generates confirming the Rs. 1.5 lakh spend.
What is the standard reward rate on this card?
You earn 5 Reward Points for every Rs. 150 spent on regular eligible retail purchases. This gives you a steady accumulation of points on your everyday business expenses.
How do I earn 5X reward points?
You earn 5X reward points on IT and GST payments, SmartPay and PayZapp bill payments, MMT MyBiz travel bookings, and business software via SmartBuy. You must spend a minimum of Rs. 50,000 overall in that month to trigger this multiplier.
What is the maximum limit for the 5X reward points?
The 5X accelerated reward points are capped at 7,500 points per month. Any spending beyond this cap in the 5X categories will earn points at the standard base rate.
Are there limits on utility or grocery reward points?
Yes, you can earn a maximum of 2,000 reward points per month combined on utility, telecom, cable, and grocery purchases.
Is there a daily limit on reward points for insurance payments?
Yes, reward points on insurance premium payments are strictly capped at 5,000 points per day. Large premium payments should be planned accordingly.
What is the absolute maximum reward points I can earn in a month?
You can earn a maximum of 1,50,000 reward points per statement cycle across all spending categories combined.
What is the value of 1 reward point in rupees?
The value varies by redemption method. It is worth up to Rs. 1 for flights and hotels on SmartBuy, up to Rs. 0.50 for the product catalogue, and Rs. 0.30 for statement credit.
Do I earn points on fuel purchases?
No, fuel purchases are explicitly excluded from earning any reward points on this card.
Do my reward points expire?
Yes, any unused reward points on the HDFC BizBlack Metal Edition Credit Card will automatically expire after 3 years from the date of accumulation.
Which transactions are completely excluded from earning reward points?
You do not earn points on rent, fuel, insurance, EMI transactions, wallet loading, education fees, government transactions, jewellery, cash withdrawals, utility payments, and toll payments.
How much discount do I get on flight bookings?
You get a 4 percent discount on flights and hotels when you book through the MMT MyBiz platform using SmartBuy BizDeals.
What is the Fast Track Airport Experience?
As a Diners Club exclusive benefit, this feature allows you to skip regular check-in lines and provides baggage assistance, making your airport navigation much faster.
Are there special corporate fares available?
Yes, by booking through MMT MyBiz, you gain access to discounted corporate fares, free seat selection, free meals, and lower cancellation charges.
Do I earn the 5X reward points on these flight bookings?
Yes, MMT MyBiz travel bookings qualify for the 5X reward multiplier, provided you meet the Rs. 50,000 total monthly minimum spend on the card.
What do I get when I reach a spending milestone?
For every Rs. 5,00,000 spent on eligible retail purchases, you receive a SmartBuy Flight voucher or a Taj Stay voucher worth Rs. 5,000.
Is there a cap on how many milestone vouchers I can earn?
Yes, you can earn up to a maximum of Rs. 20,000 in milestone vouchers per year. This means you max out the benefit after spending Rs. 20,00,000.
Do rent payments count toward the milestone spending target?
No, rent payments and petrol spends are strictly excluded from the Rs. 5,00,000 retail spend calculation for milestone benefits.
Can I use the voucher for both flights and hotels?
The voucher is specifically issued either as a SmartBuy Flight voucher or a Taj Stay voucher. You can choose to use it for air travel or luxury accommodation.
How many free lounge visits do I get per year?
You get absolutely unlimited free visits to both domestic and international airport lounges, provided your card account is active.
Does the unlimited lounge access apply to international airports?
Yes, the unlimited access covers both domestic terminals within India and international lounges worldwide.
Do supplementary or add-on cardholders get free lounge access?
Unlimited lounge access is reserved for the primary cardholder; add-on cardholders can access lounges using their separate cards as per standard HDFC super-premium card terms.
Is there a spending requirement to activate the lounge benefit?
The lounge access is valid for active cardholders. You must make a minimum transaction of Rs. 100 within 30 days to activate the card and ensure your benefits are active.
How much discount do I get on dining?
You get a flat 10 percent extra off on your total dining bill when you pay using this credit card at participating partner restaurants.
How many restaurants participate in this dining program?
The discount is available at an extensive network of over 35,000 restaurants.
Is there a maximum cap on the dining discount per transaction?
The dining discount is capped at Rs. 1,000 per transaction and is available once per month per restaurant.
Do I still earn reward points on the discounted dining bill?
Yes, you will earn the standard base rate of 5 Reward Points per Rs. 150 spent on the final net amount charged to your card after the discount.
Milestone Benefits
Voucher Benefit(Worth ~ ₹5,000)
Spend ₹5,00,000 in 365 days
Voucher Benefit(Worth ~ ₹20,000)
Spend ₹20,00,000 in 365 days
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
The true power of the HDFC BizBlack Metal Edition Credit Card lies in how you redeem your accumulated p...
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The true power of the HDFC BizBlack Metal Edition Credit Card lies in how you redeem your accumulated p...
The true power of the HDFC BizBlack Metal Edition Credit Card lies in how you redeem your accumulated points. All redemptions are handled through the dedicated SmartBuy portal. The value of your points changes drastically depending on what you choose to redeem them for.
If you redeem points against Flights and Hotels via SmartBuy, you get the maximum value: up to Rs. 1 per Reward Point. This means 10,000 points equals Rs. 10,000 in travel value. If you transfer them to Air Miles, the ratio is 1 Reward Point to 1 Air Mile. If you prefer products from the rewards catalogue, the value drops to up to Rs. 0.50 per point. The lowest value is statement credit (cashback), where 1 Reward Point equals exactly Rs. 0.30.
Let us look at a practical example. Suppose you have 50,000 reward points. If you use them for flight bookings, you get Rs. 50,000 off your ticket price. If you choose to convert them to a statement credit to pay your outstanding bill, those same 50,000 points will only give you Rs. 15,000 (at Rs. 0.30 per point). Additionally, remember that RP redemptions are capped at Rs. 50,000 for cashback per month, and Rs. 75,000 for travel per month. Ensure you use them before they expire after 3 years.
View FAQ
Commonly Asked Questions
How do I redeem the reward points I have earned?
You need to log into the SmartBuy portal or use the bank's net banking platform to access the rewards catalogue and select your preferred redemption category.
What is the best way to redeem points for maximum value?
The highest value is achieved by redeeming points for flights and hotels on SmartBuy, where each point is worth up to Rs. 1, or by converting them to Air Miles at a 1:1 ratio.
Can I use my points to pay my credit card bill?
Yes, you can redeem points for statement credit. However, the conversion rate is lower, with 1 Reward Point equaling Rs. 0.30.
What is the value if I buy products from the catalogue?
When redeeming for physical products or certain Insta Vouchers via the catalogue, the value is up to Rs. 0.50 per Reward Point.
Is there a monthly cap on how much value I can redeem?
Yes, statement credit (cashback) redemptions are strictly capped at Rs. 50,000 per month, and travel redemptions are capped at Rs. 75,000 per month.
Is there a fee for redeeming my rewards?
Yes, the bank charges a reward redemption handling fee of Rs. 99 plus applicable GST for every redemption request you make.
Do my reward points expire?
Yes, unused reward points will automatically expire 3 years from the date they were earned.
Can I transfer my points to someone else?
Reward points are strictly tied to the primary cardholder's account and cannot be transferred to other individuals or card accounts.
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
To maximize your benefits, you must understand exactly where the HDFC BizBlack Metal Edition Credit Car...
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To maximize your benefits, you must understand exactly where the HDFC BizBlack Metal Edition Credit Car...
To maximize your benefits, you must understand exactly where the HDFC BizBlack Metal Edition Credit Card will not reward you. The bank has a comprehensive list of excluded categories that yield absolutely zero reward points. This prevents the system from being gamed through non-retail transfers.
Transactions made for rent payments, fuel, insurance premiums, wallet loading, and educational services will not earn points. Additionally, EMI transactions, cash withdrawals, jewellery purchases, government-related payments, load money transactions, GST charges, gambling, tolls, railway bookings, utility bill payments, balance transfers, and financial charges are entirely excluded from the reward structure.
For example, if you pay Rs. 30,000 in office rent and Rs. 5,000 for fuel in a month using this card, you will earn zero points on that Rs. 35,000 spend. While the transaction will go through successfully, it will not contribute to your points balance or help you hit the 5X reward multiplier. Always use alternative payment methods or specific co-branded cards for these excluded categories.
View FAQ
Commonly Asked Questions
Which major transactions do not earn rewards on this card?
You do not earn points on rent payments, fuel, insurance, educational services, wallet transactions, jewellery, utility bills, railway bookings, and government transactions.
Will I earn points if I convert a large purchase into an EMI?
No, all EMI transactions are explicitly excluded from earning reward points on this card.
Does paying rent with this card earn reward points?
No, rent payments will not earn any reward points. Furthermore, rent transactions attract an additional 1 percent processing fee.
Are utility bill payments excluded from rewards?
Yes, standard utility bill payments are listed under the exclusions and will not earn the base reward points, though paying via SmartPay might trigger the specific 5X promotion if you meet the monthly criteria.
Do wallet top-ups or load money transactions earn rewards?
No, adding money to digital wallets or prepaid cards is excluded and yields zero reward points.
What happens if I accidentally make a payment in an excluded category?
The transaction will process normally and reflect on your monthly bill, but your reward points balance simply will not increase for that specific purchase.
Are toll payments and railway bookings excluded?
Yes, both tolls and railway bookings are on the strict exclusion list and will not earn any reward points.
Are insurance premium payments excluded from rewards?
You earn reward points on insurance payments up to a cap of 5,000 points per day, though these do not count toward the accelerated 5X multipliers.
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 |
Understanding the complete fee landscape of the HDFC BizBlack Metal Edition Credit Card is vital before...
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Understanding the complete fee landscape of the HDFC BizBlack Metal Edition Credit Card is vital before...
Understanding the complete fee landscape of the HDFC BizBlack Metal Edition Credit Card is vital before committing to it. As a super-premium card, the charges for delayed payments and specific transactions are significant and can easily outweigh your rewards if not managed correctly.
Joining Fee: The bank charges a one-time joining fee of Rs. 10,000 plus GST when your card is issued. However, if you use the card to spend Rs. 1.5 lakh within the first 90 days, this fee is fully waived, making it easy to absorb for a business owner.
Annual or Renewal Fee: From the second year, an annual fee of Rs. 10,000 plus GST applies. The annual fee is waived if you spend Rs. 7.5 lakh or more in a year on your card, as per bank policy. For example, if you spend just Rs. 65,000 monthly on business supplies, you hit Rs. 7.8 lakh for the year and pay zero renewal fees.
APR or Interest Rate: If you roll over your balance, the bank applies a 3.99% monthly fee (which translates to 47.88% annually). For example, if you leave a Rs. 50,000 balance unpaid after the due date, you will be hit with Rs. 1,995 in interest charges in just one month, erasing any reward point gains.
Late Payment Charges: Missing a payment triggers tiered penalty fees. The slabs are: Rs. 0 for dues under Rs. 40; Rs. 5 for dues Rs. 41-100; Rs. 10 for Rs. 101-500; Rs. 100 for Rs. 501-5,000; Rs. 500 for Rs. 5,001-10,000; Rs. 750 for Rs. 10,001-25,000; Rs. 950 for Rs. 25,001-50,000; and Rs. 1,300 for dues above Rs. 50,000. If you forget to pay a Rs. 30,000 bill, you will be penalized with a Rs. 950 late fee instantly.
Foreign Transaction or Forex Markup Fee: A 3.5% forex markup is charged on transactions made in currencies other than INR. If you travel to Dubai and spend equivalent to Rs. 1,00,000 on hotels and client dining, the bank will add Rs. 3,500 purely as a markup fee to your bill.
ATM Cash Withdrawal Fee: 2.5% of the withdrawn amount is charged on cash advances using the credit card, subject to a minimum of Rs. 500. If you withdraw an emergency Rs. 10,000 from an ATM, you immediately owe a Rs. 500 fee, plus massive cash advance interest from day one.
Rent Payment Convenience Fee: 1% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST and platform charges. If you pay Rs. 40,000 in office rent using this card, the bank adds a Rs. 400 fee, making this a poor choice for rent since rent also earns zero reward points.
Railway Surcharge: A railway booking surcharge of 1.80% for online transactions and 2.50% for other bookings is applied, with additional bank charges and taxes recovered at actuals. If you book a Rs. 5,000 train ticket for an employee online, expect a Rs. 90 surcharge added to the final statement.
Cash Payment Fee: A Rs. 100 cash payment fee applies per deposit. If you walk into an HDFC branch to clear your credit card bill by handing over physical cash, the bank will add Rs. 100 to your next month's statement for the service. Always pay online to avoid this.
Cheque Payment Fee: No cheque payment fee is charged (N/A). You can drop a cheque at the branch drop-box to clear your dues without incurring an extra processing charge.
Reward Redemption Fee: A reward redemption handling fee of Rs. 99 plus applicable GST is charged per redemption request. Whether you redeem 10,000 points or 1,00,000 points at once, a flat Rs. 99 is deducted from your account, so it is smarter to redeem points in large batches rather than frequent small amounts.
| Fee Type | Amount / Rate |
|---|---|
| Joining Fee | Rs. 10,000 (Waivable) |
| Annual Fee | Rs. 10,000 (Waivable) |
| Interest Rate (APR) | 3.99% per month |
| Late Payment Fee | Up to Rs. 1,300 based on due amount |
| Forex Markup | 3.5% |
| Cash Withdrawal | 2.5% (Min Rs. 500) |
| Rent Payment Fee | 1% |
| Railway Surcharge | 1.8% online, 2.5% offline |
| Cash Payment Fee | Rs. 100 |
| Cheque Payment Fee | Nil |
| Reward Redemption Fee | Rs. 99 per request |
View FAQ
Commonly Asked Questions
What are the joining fees for this card?
The card charges a one-time joining fee of Rs. 10,000 plus GST, which can be fully waived by spending Rs. 1.5 lakh in the first 90 days.
What is the annual or renewal fee?
The annual renewal fee is Rs. 10,000 plus GST, charged from the second year onwards.
Is there an annual fee waiver based on spending?
Yes, the annual fee is waived if you spend Rs. 7.5 lakh or more in a year on your card, as per bank policy.
How can I get this card lifetime free?
This card is not offered as lifetime free; the annual fee is only waived by meeting the Rs. 7.5 lakh yearly spending milestone.
What is the interest rate (APR) if I don't pay my full balance?
The bank charges a high interest rate of 3.99% per month on unpaid balances, which compounds rapidly if not cleared quickly.
How is the interest calculated on outstanding balances?
If you fail to pay your statement balance in full by the due date, the 3.99% monthly interest is calculated daily on your outstanding amount from the original date of purchase, nullifying your interest-free period.
What are the late payment charges?
Late fees range from Rs. 0 to Rs. 1,300 depending on your outstanding balance. For example, an outstanding amount of Rs. 15,000 attracts a Rs. 750 penalty.
Is the late payment fee different based on outstanding amount?
Yes, the penalty operates on a slab basis. Balances below Rs. 40 incur no fee, while balances over Rs. 50,000 face the maximum Rs. 1,300 charge.
What is the forex markup for international transactions?
A 3.5% forex markup fee is applied to all transactions processed in foreign currencies. For a Rs. 10,000 overseas spend, you pay an extra Rs. 350.
Can I withdraw cash using my credit card?
Yes, but it is highly discouraged as it incurs a flat 2.5% withdrawal fee immediately, alongside massive interest charges from day one.
What are the cash withdrawal charges and limits?
The bank charges 2.5% of the withdrawn amount, subject to a minimum of Rs. 500 per transaction.
Are there fees for paying rent with this card?
Yes, paying rent incurs a 1% processing fee on the transaction amount, and these transactions do not earn any reward points.
Is there a fee for paying my bill in cash?
Yes, a Rs. 100 cash payment fee is charged if you deposit physical cash at a branch to clear your credit card dues.
What are the charges for cheque payment of bills?
There are no charges for clearing your credit card bill via cheque. It is free of cost.
Is there a fee to redeem my reward points?
Yes, a standard reward redemption handling fee of Rs. 99 plus applicable GST is charged every time you submit a redemption request.
Documents Required
To process your application smoothly, you must provide proof of identity, address, and income. Having these ready prevents unnecessary delays.
You need your PAN Card as the primary identity document. For address proof, an Aadhaar Card, Passport, or Voter ID is acceptable. To prove your income, salaried employees should provide their latest two months' salary slips and the last three months' bank statements showing salary credits. Self-employed applicants must submit their latest Income Tax Return (ITR) computation along with business continuation proof.
View FAQ
Commonly Asked Questions
What identity proof is required to apply?
You must provide a valid PAN card and an Aadhaar card for quick digital verification and KYC.
What address proof is acceptable?
Your Aadhaar card serves as primary address proof. Passports, Voter IDs, or recent utility bills in your name are also accepted.
What income documents are mandatory for business owners?
You must submit your latest Income Tax Return (ITR) showing a minimum annual income of Rs. 30 lakh, along with computation of income.
Do I need to submit bank statements?
Yes, the bank requests your last 6 months of business current account or personal savings account statements to assess cash flow.
Is business registration proof required?
Yes, you need to provide GST registration certificates, MSME certificates, or partnership deeds to prove business existence.
Do I need physical photos for the application?
If you complete the process via Video KYC, physical photos are not required. A live photo will be captured during the call.
Who Should Get This Card?
If you are a business owner or a self-employed professional with an annual declared income of over Rs. 30 lakh, and your company routes heavy expenses through credit cards, this is arguably the best card in India for you. The card is perfectly designed for the entrepreneur who pays substantial GST, books frequent corporate travel on MMT MyBiz, and pays for SaaS business software.
Conversely, who should NOT get this card? If you are a salaried employee, you are automatically disqualified. If your business spends are mostly in cash or you primarily want a card for personal grocery shopping and movie tickets, the Rs. 10,000 annual fee is entirely unjustified. This is a heavy-duty corporate tool masquerading as a personal credit card.
Credit Limit and What to Expect
Given the high income requirement of Rs. 30 lakh annually, the credit limit on the HDFC BizBlack Metal Edition Credit Card is generally very generous. The exact limit depends on your credit score and the financials presented in your ITR, but it is structured to handle heavy business expenses comfortably.
View FAQ
Commonly Asked Questions
What will be my starting credit limit?
Starting limits on this card range between Rs. 5 lakh and Rs. 15 lakh based on your reported ITR and credit profile.
Can I request a credit limit increase later?
Yes, after 6 to 12 months of disciplined usage and timely repayments, you can apply for a limit enhancement by submitting updated ITR documents.
Does spending near my limit affect my credit score?
Yes, consistently maxing out your credit card results in a high Credit Utilization Ratio, which can temporarily lower your CRIF or CIBIL score.
Can I set a limit for my add-on cards?
You can set and manage specific sub-limits for add-on cards directly through HDFC NetBanking or the MyCards app.
Is there a daily transaction limit?
You can use up to your total available credit limit in a single day, but you have the flexibility to set personalized daily transaction limits using the bank's mobile app for security.
What happens if I accidentally spend more than my limit?
Over-limit transactions are typically declined, but if processed, an over-limit fee of 2.5% of the over-limit amount (minimum Rs. 500) is charged to your account.
How to Apply?
Applying for the HDFC BizBlack Metal Edition Credit Card is straightforward. You can initiate the process online via the official bank website or trusted partner portals. Ensure you have digital copies of your PAN card, Aadhaar card, and latest Income Tax Returns ready. The application will ask for details about your business, annual turnover, and personal income.
Once you submit the form, you will likely be directed to a Video KYC process. This requires a stable internet connection and good lighting. During the call, an executive will verify your identity using your physical PAN card. Once the Video KYC is successful and your income documents are verified, the card is usually approved and dispatched within a week.
View FAQ
Commonly Asked Questions
Where can I apply for this credit card?
You can apply online through the bank's official website, partner platforms, or by visiting the nearest bank branch to fill out a physical application.
What is Video KYC and is it mandatory?
Video KYC is a digital verification process where a bank agent confirms your identity over a video call. It is highly recommended as it speeds up approval and eliminates the need for physical document collection.
What do I need for a successful Video KYC call?
Keep your original physical PAN card ready, ensure you have a blank piece of paper and a pen for a live signature, and sit in a well-lit room with strong internet connectivity.
How long does the approval process take?
If your Video KYC is successful and your ITR documents clear the income criteria, approval usually takes 7 to 10 working days.
How can I track my application status?
You will receive an Application Reference Number via SMS. You can enter this number on the bank's application tracking webpage to check your real-time status.
What happens if my Video KYC fails?
If Video KYC fails due to connectivity issues, a bank representative will typically contact you to arrange a physical document pickup or schedule a visit to a branch.
That’s the full story of this credit card
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Top Benefits
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Top Benefits
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Earn up to 10X Reward Points
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