HDFC Biz Black Metal Edition Credit Card
Card Details
Joining Fee:
Renewal Fee:
Card Type:
Reward Type:
Welcome Benefits:
Rewards & Benefits
Welcome Benefits
On spending INR 2,000 or more in the first sixty days, the user can get 2,000 reward points.
Milestone Benefits
annual fee reversal on spending inr 1,00,000 on the card.
Cashback Rate
cashback rate: 1. cashback rate: 1. cashback rate: 0.
Lounge Access
0
Movie Benefits
8
Dining Benefits
Other Benefits
reward system: users will get 10 points for spending of every inr 150 on dining, movies, departmental stores and grocery spending. value of 1 point = inr 0. 25. effective 6%. 1 reward points on all other spend per inr 150. effective general 25%. 1 reward point of inr 100 on all other spends. effective general 16%.
Cons
5X reward points applicable on minimum spending of INR 50,000 in a statement cycle.
The renewal fee is waived only if the user spent INR 7.5 Lakhs or more in the previous year.
A minimum of 2500 reward points is needed to redeem reward points against the statement balance.
Unredeemed reward points will expire after 3 years of accumulation.
A maximum of 1,50,000 reward points can be earned in a statement cycle.
Welcome Benefits
Club Marriott Annual Membership: Enjoy up to 20% discounts on dining, stays, and spa services across the Asia–Pacific region.
Taj Stays Voucher: Worth ₹5,000 on spending ₹1.5 Lakhs within the first 90 days.
Reward System
Base Rewards: 5 points per ₹150 spent (1 point = up to ₹1).
Effective Cashback:General rate: 1%.
Flights/Hotels via SmartBuy: 3.33%.
Product catalog redemption: 1.66%-3.33%.
Airmiles conversion: 3.33%.
Milestone Benefits
₹5,000 SmartBuy flight/Taj stay voucher for every ₹5 Lakhs spent (up to ₹20,000/year).
Business Savings (5X Reward Points)
On selected business spends like:
Bill payments (Payzapp/SmartPay).
Tax payments (Income Tax/GST).
Hotel & flight bookings (MakeMyTrip SmartBuy).
Software purchases (Tally, Office 365, AWS, Azure, and more).
Additional Perks for SMEs
Save up to 40% on business travel and software via SmartBuy.
Business insurance starting at ₹3,785/year.
Special offers on productivity tools and HR solutions.
Exclusive Benefits
Lounge Access: Unlimited access to 1,000+ global airport lounges.
Golf Benefits: 6 complimentary games per quarter + 24/7 concierge assistance.
Dining: Up to 10% savings on Swiggy Dineout.
Concierge Services: 24/7 personal concierge and Diners exclusive benefits.
Rewards & Benifits
Welcome Benefits
As a welcome benefit users will get a Club Marriott annual membership and Taj stays voucher worth INR 5000 on spends of INR 1.5 Lakhs within the first 90 days. Users can avail up to 20% discounts for dining, stay & spa service with Club Marriott membership across Asia–Pacific region.
Rewards System
Users will receive 5 reward points for every INR 150 spent.
1 reward point = Upto Rs. 1.
General cashback rate: 1%.
Redeem on SmartBuy (against flights/hotel booking). Effective cashback rate: 3.33%
Redeem against product catalogue via net banking & SmartBuy. Effective cashback rate: Up to 1.66%
Airmiles conversion via net banking. The effective cashback rate is 3.33%
Catalogue via net banking & SmartBuy. The effective cashback rate is up to 3.33%
A minimum of 2500 RP is needed to redeem reward points against the statement balance.
Unredeemed reward points will expire after 3 years of accumulation.
A maximum of 1,50,000 reward points can be earned in a statement cycle.
International Forex Markup
2%
Welcome Benefits and Reward System
Special Features
Low interest rate.
No reward redemption fee.
Low International Forex markup.
No fuel surcharge.
Eligibility Criteria
The applicant must be a self-employed Indian citizen.
The applicant must be aged between 21 yrs. to 65 Years.
The applicant must have an ITR above INR 21 Lakhs.
Benefits
Small medium enterprise (SME) benefits.
Great dining benefits.
Airport lounge access.
Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
1. Online Application:
Visit the HDFC Bank website: https://applyonline.hdfcbank.com/cards/credit-cards.html
Select the Biz Black Metal Edition Credit Card option.
Provide the required personal and financial information.
Upload necessary documents.
Submit the application.
2. Visit HDFC Bank Branch:
Visit your nearest HDFC Bank branch.
Request an application form for the Biz Black Metal Edition Credit Card.
Fill in the required details and submit it along with the necessary documents.
Contact Details
Toll-Free: 1800 202 6161\ 1860 267 6161
Email: customerservices.cards@hdfcbank.com
Account Opening and Procedure
Recommended Credit Cards
Pros:-
Change the text to include your own content. Adjust the font, size or scale to customize the style.
Cons:-
Welcome Benefits
Club Marriott Annual Membership: Enjoy up to 20% discounts on dining, stays, and spa services across the Asia–Pacific region.
Taj Stays Voucher: Worth ₹5,000 on spending ₹1.5 Lakhs within the first 90 days.
Reward System
Base Rewards: 5 points per ₹150 spent (1 point = up to ₹1).
Effective Cashback:General rate: 1%.
Flights/Hotels via SmartBuy: 3.33%.
Product catalog redemption: 1.66%-3.33%.
Airmiles conversion: 3.33%.
Milestone Benefits
₹5,000 SmartBuy flight/Taj stay voucher for every ₹5 Lakhs spent (up to ₹20,000/year).
Business Savings (5X Reward Points)
On selected business spends like:
Bill payments (Payzapp/SmartPay).
Tax payments (Income Tax/GST).
Hotel & flight bookings (MakeMyTrip SmartBuy).
Software purchases (Tally, Office 365, AWS, Azure, and more).
Additional Perks for SMEs
Save up to 40% on business travel and software via SmartBuy.
Business insurance starting at ₹3,785/year.
Special offers on productivity tools and HR solutions.
Exclusive Benefits
Lounge Access: Unlimited access to 1,000+ global airport lounges.
Golf Benefits: 6 complimentary games per quarter + 24/7 concierge assistance.
Dining: Up to 10% savings on Swiggy Dineout.
Concierge Services: 24/7 personal concierge and Diners exclusive benefits.
5X reward points applicable on minimum spending of INR 50,000 in a statement cycle.
The renewal fee is waived only if the user spent INR 7.5 Lakhs or more in the previous year.
A minimum of 2500 reward points is needed to redeem reward points against the statement balance.
Unredeemed reward points will expire after 3 years of accumulation.
A maximum of 1,50,000 reward points can be earned in a statement cycle.
The card is loaded with features and is a premium credit card. The only con with the card is that the eligibility threshold is quite high at INR 21 lakh income per annum.
HDFC Biz Black Metal Edition Credit Card
Abhijeet Saxena
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai
Product Review
Fees & Charges
Joining fee: INR 10,000/- plus taxes.
Annual fee: INR 10,000/- plus taxes.
Foreign currency markup: 2%.
Fuel surcharge: NA
Cash advance fee: 2.5% or INR 500 whichever is higher.
Late payment charges: INR 100 to 1300.
Reward redemption fee: NA
Interest rate: 1.99% monthly, 23.88% annually.
Fuel Surcharge
NA
Billing Cycle
Up to 55 days