HDFC Bank BizBlack Metal Card

Lounge access

• Within India: Unlimited complimentary domestic lounge access eligible on making minimum one transaction of any amount in previous month (excluding first month of card issuance).
• Access by swiping card at lounge terminal.
• Outside India: Complimentary Priority Pass membership for Primary and add-on card holders.
• Visits exceeding complimentary limit charged $27 + taxes per visit.
• Total unlimited access to 1000+ lounges globally for primary and add-on cards (active cards only).

Verified · MITC – Co-branded Credit Cards (covers BizBlack Metal Card, updated May 2026) · 2026-08-02 · source

Forex markup

2% of transaction value (Foreign Currency Transactions).

Verified · MITC – Co-branded Credit Cards (covers BizBlack Metal Card, updated May 2026) · 2026-08-02 · source

Charge

• Cash advance fee 2.5% or ₹500 whichever higher.
• Finance charge 1.99% p.m. (23.88% p.a.) on revolving credit and cash advances.
• Payment Return Charges 2% of payment subject to min ₹450.
• Late Fees per outstanding slab (₹100 to ₹1300).
• Charges on overlimit 2.5% subject to min ₹550.
• Balance Transfer Processing 1% of BT amount or ₹250 whichever higher.
• Cash Processing Fee ₹100.
• Rent Pay 1% (cap ₹4999/txn, w.e.f 1 Jul 2025).
• Fuel 1% on business card txn exceeding ₹30,000 (cap ₹4999).
• Utility 1% on business spends exceeding ₹75,000/month (cap ₹4999).
• Education (third-party apps) 1% (cap ₹4999).
• Online Skill based Gaming 1% on spends exceeding ₹10,000/month (cap ₹4999, w.e.f 1 Jul 2025).
• Wallet Loading 1% on spends exceeding ₹10,000/month (cap ₹4999, w.e.f 1 Jul 2025).
• Dynamic Currency Conversion Markup 1%.
• Reissue of Lost/Stolen/Damaged Card ₹3,500 (metal card).
• Add-on Card Fee Lifetime Free.
• Rewards Redemption Fee not applicable.
• Card Validation charge ₹2.

Verified · MITC – Co-branded Credit Cards (covers BizBlack Metal Card, updated May 2026) · 2026-08-02 · source

Interest-free period

Up to 55 days (interest free credit period ranges from 25 to 55 days).

Verified · MITC – Co-branded Credit Cards (covers BizBlack Metal Card, updated May 2026) · 2026-08-02 · source

Fuel surcharge waiver

Fuel Surcharge waiver Not Applicable on BizBlack Metal Card.

Verified · MITC – Co-branded Credit Cards (covers BizBlack Metal Card, updated May 2026) · 2026-08-02 · source

Milestone benefit

• SmartBuy Flight / Taj Stay voucher worth ₹5,000 on every ₹5 Lakh spends (excluding EMI, rent, petrol).
• Vouchers worth up to ₹20,000 (i.e. 4 vouchers) on spend of ₹20 Lakh in a calendar year (Jan-Dec).
• Flight voucher valid 6 months.
• Taj Stay voucher valid 365 days from redemption.

Verified · harvested from product page · 2026-08-02 · source

Reward cap

• Accelerated 5X Reward Points on Business Essential spends capped at 7,500 RP per statement cycle (excluding Wallet Load spends).
• Max reward points per statement cycle: 1,50,000.
• Insurance transactions capped at 5,000 RP per month (w.e.f 1 July 2025).
• Grocery capped at 2,000 RP per month.
• Utility capped at 2,000 RP per calendar month.
• Telecom & Cable capped at 2,000 RP per calendar month.

Verified · harvested from product page · 2026-08-02 · source

Reward exclusion

Verified · harvested from product page · 2026-08-02 · source

Concierge

• 24/7 exclusive Concierge Services.
• Toll free 1800 118 887 (India) / Landline 022 42320226.
• Overseas Landline 022-6171 7606.

Verified · harvested from product page · 2026-08-02 · source

Dining benefit

• Save up to 25% on dining bills paid via Swiggy Dineout at 20,000+ restaurants (offer inclusive of Restaurant and Swiggy Discount; valid only on payments done via Swiggy App).
• Club Marriott membership offers up to 20% off on food and beverage bill at participating Marriott restaurants (up to 10 guests; select hotels 15%).

Verified · harvested from product page · 2026-08-02 · source

Golf benefit

• 6 complimentary golf games every quarter at over 15 golf courses in India and over 100 golf courses worldwide.
• 100% green fee waiver on partner courses on weekdays and weekends.
• 24-hour Golf Concierge Assistance (Toll free 1800 118 887 India).
• Cancellation/No-Show fee ₹500 per person.

Verified · harvested from product page · 2026-08-02 · source

Hotel benefit

• Club Marriott Membership (1 year, Primary cardholder with complimentary Spouse Card) - up to 20% off on Best Available Rates on rooms at participating Marriott hotels in India and on Weekend Rates in Asia Pacific.
• Up to 20% off on Spa services at select participating Marriott hotels in India (Mon-Fri).
• Benefits at over 350 hotels and 1000 restaurants across Asia Pacific.

Verified · BizBlack Metal Card product page · 2026-08-02 · source

Insurance

• Business Insurance package at annual premium of ₹3,785 (including GST) - Plan 1 covers Fire & burglary excluding theft for Shop content up to ₹5,00,000, Cash in Transit up to ₹25,000, Cash in Safe up to ₹25,000, EEI excl terrorism up to ₹50,000, Hospital Daily Cash (Accident and Illness) ₹1,000/day for up to 30 days.
• Higher cover plans available.
• Zero Lost Card Liability credit cover ₹9 lakh.

Verified · harvested from product page · 2026-08-02 · source

Eligibility

• Self-Employed Indian Citizen aged 21 to 65 years.
• Annual ITR above ₹30 Lakhs (can apply using ITR, GST returns, Bank Statements and Merchant payment report).

Verified · harvested from product page · 2026-08-02 · source

Official terms

https://www.hdfc.bank.in/business-credit-cards/biz-black-credit-card.

Verified · harvested from product page · 2026-08-02 · source