HDFC Bank Biz Black Metal Edition Credit Card

Lounge access

• Domestic: BizBlack Metal Card - Unlimited lounge access within India, eligible on making minimum one transaction of any amount in previous month (excluding first month of card issuance).
• Avail by swiping credit card at lounge terminal (₹2 debited and reversed).
• International: Complimentary Priority Pass membership - all lounge visits exceeding complimentary limit charged at $27 + taxes.
• Charges not accrued if card inactive more than 90 days.

Verified · Most Important Terms & Conditions (MITC) - Co-branded/premium cards (covers BizBlack Metal Card) · 2026-07-30 · source

Forex markup

• Foreign Currency Transactions markup not applicable / not listed for BizBlack Metal Card (fuel surcharge waiver Not Applicable).
• Dynamic currency conversion markup fee of 1.75% w.e.f 15th May 2026 on transactions in Indian Currency at an international location or at merchants located in India but registered overseas.

Verified · Most Important Terms & Conditions (MITC) - Co-branded/premium cards (covers BizBlack Metal Card) · 2026-07-30 · source

Interest-free period

Interest free credit period ranges from 25 to 55 days (e.g. purchase on 5th April = 54 days credit; purchase on 2nd May = 27 days), applicable only if all previous dues are paid in full.

Verified · Most Important Terms & Conditions (MITC) - Co-branded/premium cards (covers BizBlack Metal Card) · 2026-07-30 · source

Fuel surcharge waiver

Fuel Surcharge waiver Not Applicable on BizBlack Metal Card.

Verified · Most Important Terms & Conditions (MITC) - Co-branded/premium cards (covers BizBlack Metal Card) · 2026-07-30 · source

Redemption value

• Rewards Redemption Fee of ₹99 per redemption request is NOT applicable for BizBlack Metal Card.
• Cashback Redemption Charges of ₹50 per cashback redemption are excluded (not charged) for Biz Black.
• Minimum amount required for cashback redemption is ₹250.
• Reward Points valid for 3 years from date of accumulation for BizBlack Metal Card.
• For flight and hotel bookings, up to 70% of booking value can be redeemed through Reward Points, rest paid via card limit.
• Flight & hotel redemption capped at 50,000 reward points per calendar month for all other cards / 75,000 for Diners Black.

Verified · Most Important Terms & Conditions (MITC) - Co-branded/premium cards (covers BizBlack Metal Card) · 2026-07-30 · source

Reward cap

• Fair Usage Policy: maximum reward points that can be earned in a statement cycle for BizBlack Metal Card is 1,50,000.
• Insurance transactions capped at 10,000 per month (w.e.f 1st July 2025).
• Grocery transactions capped at 2,000 Reward Points per month.
• Reward Points redemption for flights & hotels bookings not separately stated for BizBlack.
• Online Skill-Based gaming transactions do not earn Reward Points (w.e.f 1st July 2025).

Verified · Most Important Terms & Conditions (MITC) - Co-branded/premium cards (covers BizBlack Metal Card) · 2026-07-30 · source

Milestone benefit

• Milestone Benefit: SmartBuy Flight / Taj Stay voucher worth ₹5,000 on every ₹5 Lakhs spends (excluding EMI, rent, petrol).
• Vouchers worth up to ₹20,000 (i.e. 4 vouchers) on spend of ₹20 Lakhs in a calendar year (Jan-Dec).
• Qualified cardholders (from 10th September 2024 onwards) can redeem the benefit within 90 days, post which it expires.
• Flight Voucher valid 6 months from redemption.
• Taj Stay Voucher valid 365 days from redemption.

Verified · BizBlack Metal Edition Credit Card Milestone Benefit Terms & Conditions (rewards/program terms) · 2026-07-30 · source

Reward exclusion

• Rent payments do not earn Reward Points.
• EasyEMI and e-wallet loading do not accrue Reward Points.
• Reward Points reversed if a retail transaction is converted into SmartEMI.
• Government-related transactions DO earn Reward Points for BizBlack Metal Card (exception).
• Online Skill-Based gaming transactions do not earn Reward Points (w.e.f 1st July 2025).
• No Reward Points accrued on fuel transactions for BizBlack Metal Card.

Verified · Most Important Terms & Conditions (MITC) - Co-branded/premium cards (covers BizBlack Metal Card) · 2026-07-30 · source

Hotel benefit

• Complimentary Club Marriott Membership (1 Year validity, for Primary Card holder, with complimentary Spouse Card): up to 20% off on food & beverage bill for up to 10 guests (select hotels 15%), up to 20% off on Best Available Rates on rooms at participating Marriott hotels in India and Weekend Rates in Asia Pacific, 20% off on Spa services at select participating Marriott hotels in India (Mon-Fri).
• Includes two one-time-use certificates (1 room upgrade certificate, 1 certificate for 30% off accommodation).
• Given as Welcome Benefit for spending ₹1.5 lakhs or more within 90 days of card issuance.
• Available only in first year of cardholding.

Verified · harvested from product page · 2026-07-30 · source

Concierge

24-hour dedicated Concierge services for BizBlack Metal Card Customers - Concierge 1800 118 887.

Verified · Most Important Terms & Conditions (MITC) - Co-branded/premium cards (covers BizBlack Metal Card) · 2026-07-30 · source

Dining benefit

Complimentary Club Marriott Membership (1-year validity for primary cardholder, complimentary Spouse Card available): up to 20% off on food and beverage bill at restaurants for up to 10 guests (select hotels 15%), up to 20% off Best Available Rates on rooms at participating Marriott hotels in India and Weekend Rates in Asia Pacific, and 20% off on Spa services at select participating Marriott hotels in India Monday to Friday.

Verified · harvested from product page · 2026-07-30 · source

Eligibility

• Add-on Cardmembers share the same limit as the primary cardholders.
• Cash withdrawal limit: 40% of the Credit Limit.

Verified · Most Important Terms & Conditions (MITC) - Co-branded/premium cards (covers BizBlack Metal Card) · 2026-07-30 · source