HDFC

HDFC BizBlack Metal Edition Credit Card

Apply for HDFC BizBlack Metal Edition Credit Card and earn 5X points on business spends, unlimited lounge access to 1,000+ airports, and a ₹5,000 Taj welcome voucher.

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Issued by

HDFC

HDFC BizBlack Metal Edition Credit Card image
Joining Fee₹10000
Annual Fee₹10000
Income₹250000
Credit Score0

Key Highlights

Utility Bills

Earn 5X Reward Points

on bill payments, IT and GST payments, hotel and flight bookings, and business productivity tools on minimum spends of ₹50,000 in a statement cycle

Shopping

Earn 5 Reward Points

on every ₹150 spent on all eligible spends, with 1 Reward Point worth up to ₹1 on SmartBuy and a cap of 1,50,000 Reward Points per statement cycle

Get Complimentary Golf Games

with 6 games per quarter at top courses worldwide and 24x7 concierge booking assistance

Travel

Enjoy Unlimited Lounge Access

for domestic and international airport lounge visits for primary and add-on cardholders, with at least 1 transaction in the previous month

Dining

Enjoy Up to 10% Savings

on restaurant bill payments via Swiggy Dineout at 20,000+ restaurants when paying through the Swiggy app

Earn up to 10X Reward Points

on SmartBuy purchases, capped at 10,000 Reward Points per month

Travel

Get SmartBuy Voucher

or Taj Stay voucher worth ₹5,000 on every ₹5,00,000 spent, excluding EMI, rent and petrol spends

Get Club Membership

of Marriott Annual & Taj Stay voucher worth ₹ 5000 on spends of ₹ 1.5 lakhs within first 90 days

Earn Annual Spend Vouchers

worth ₹20,000 on annual spends of ₹20,00,000 in a calendar year

Eligibility

Age Criteria21-65

The card is not issued for salaried

Credit Score0

Not Applicable

Salaried Income₹0 LPA
Self-employed Income₹30 LPA

A minimum annual income of ₹30 LPA is required to apply for this card, as per bank eligibility criteria.

Employment TypeSelf Employed
New to CreditNot eligible

Fees & Waivers

Joining Fee₹10000

A one-time joining fee of ₹10,000 plus applicable taxes is charged at the time of card issuance as per the bank's policy. The joining fee is waived if you spend ₹1,50,000 within the first 90 days of card issuance (applicable for fresh issuance only).

Joining Fee OffsetClub Marriott Annual Membership + Taj stay voucher worth ₹5,000 on spends of ₹1,50,000 within first 90 days
Annual Fee₹10000

Not Applicable

Annual Fee WaiverThe annual fee is waived if you spend ₹7.5 lakh or more in a year on your card, as per bank policy.
Estimated Annual Saving₹200000

Rewards & Redemption

Reward Conversion1 Reward Point =₹0.3
Redemption Options
  • Flights/Hotels via SmartBuy
  • Product catalogue
  • Statement credit
  • Insta Vouchers
  • Air Miles 
Earning ExclusionsRent 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
Spend ExclusionsRent 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

Benefits

All 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

  • Club Marriott Annual Membership + Taj stay voucher worth ₹5,000 on spends of ₹1,50,000 within first 90 days
  • Up to 20% discounts on dining, stays, spa with Marriott across Asia–Pacific

Flight Benefits

  •  4% off on flights & hotels via MMT MyBiz (SmartBuy BizDeals)
  • Discounted fares, free meal & seat selection, low cancellation fees
  • Diners Exclusive: Fast Track Airport Experience (skip check-in line; baggage assistance)
  • Milestone: ₹5,000 SmartBuy Flight/Taj Stay voucher on every ₹5,00,000 retail spends (excluding rent & petrol), up to ₹20,000/year

Airport Lounge Benefits

  • Unlimited domestic & international airport lounge access for primary and add-on cardholders (active cardholders only; min. 1 transaction in previous month; access from 5th of current month)

Dining Benefits

  • Get up to 10% savings on restaurant bill payments via Swiggy Dineout (20,000+ restaurants) on paying via Swiggy App

Insurance Benefits

  • Business Insurance package starting at ₹3,785 per year (Plan 1)
  • Fire & Burglary insurance for shops up to ₹5,00,000
  • Cash in Safe/Transit coverage up to ₹25,000
  • Electronic Equipment insurance (excluding terrorism) up to ₹50,000
  • Hospital Cash: Accident-only benefit of ₹1,000 per day (30-day cover)
  • Hospital Cash: Illness-only benefit of ₹1,000 per day (30-day cover)
  • Zero liability on fraudulent transactions; credit liability cover of ₹9,00,000

Bank Offer

  • Assured cashback up to ₹1,800 in the first year and e-vouchers worth up to ₹800 on adding 2 or more bills on SmartPay
  • Up to 40% savings on business travel and software purchases via SmartBuy BizDeals
  • Up to 15% off on fitness memberships, pharmacy purchases & more via Health & Wellness program

Milestone Benefits

Minimum Spend₹500000
Within365 days
Voucher Bonus₹5000

Documents

PAN Card
Aadhaar Card or valid address proof
Latest salary slips or income proof
Recent bank statements

Terms

The bank may offer a different card variant based on your eligibility. Please carefully read the features of the card offered before submitting your application
A minimum transaction of Rs.100 within 30 days is required to activate the card, otherwise, you won’t be eligible for the Rewards

FAQ

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