HDFC Bank BizBlack Metal Edition Credit Card

Lounge access

• Unlimited complimentary domestic and international airport lounge access at 1000+ lounges worldwide for primary and add-on cardholders (active cards only).
• Domestic: BizBlack Metal Card gets unlimited monthly lounge access on making minimum one transaction of any amount in previous month (excluding first month of card issuance).
• International lounge access available via the Diners BizBlack Credit Card without Priority Pass.
• Add-on cardholder must present the add-on card at the lounge.

Verified · MITC – Credit Cards (includes BizBlack Metal Card) – hdfc.bank.in version · 2026-08-04 · source

Forex markup

2% of transaction value on foreign currency transactions.

Verified · MITC – Co-branded / Premium Credit Cards (BizBlack Metal Edition included), updated May 2026 · 2026-08-04 · source

Interest-free period

Up to 55 days of interest-free credit period (ranges from 25 to 55 days) on business expenses.

Verified · MITC – Co-branded / Premium Credit Cards (BizBlack Metal Edition included), updated May 2026 · 2026-08-04 · source

Fuel surcharge waiver

Fuel Surcharge waiver Not Applicable on BizBlack Metal Card.

Verified · MITC – Co-branded / Premium Credit Cards (BizBlack Metal Edition included), updated May 2026 · 2026-08-04 · source

Award example

• Example: On ₹1,00,000 spend in a billing cycle - ₹40,000 eligible accelerated 5X spends (PayZapp ₹10,000 + GST ₹20,000 + MMT MyBiz flight ₹10,000) = 6,667 RP.
• Other spends ₹50,000 = 1,667 RP.
• Total 8,333 RP.

Verified · BizBlack Metal Edition Credit Card product page · 2026-08-04 · source

Milestone benefit

• SmartBuy Flight / Taj Stay voucher worth ₹5,000 on every ₹5 lakh spends (excluding EMI, rent, petrol).
• Get 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 · 2026-08-04 · source

Redemption value

• SmartBuy flights & hotels: 1 Reward Point = up to ₹1 (redeem up to 50% of booking value via points).
• Product catalogue: 1 Reward Point = ₹0.5.
• Statement balance / cash redemption: 1 Reward Point = ₹0.30 (minimum 2,500 points).
• Airmiles: 1 Reward Point = 1 airmile.
• Up to 70% of product/voucher value redeemable via points on select vouchers/products w.e.f 1 Feb 2023.
• Reward Points valid for 3 years from date of accumulation.
• Reward redemption fee and cashback redemption charge do not apply to BizBlack Metal Card.

Verified · harvested from product page · 2026-08-04 · source

Reward cap

• Accelerated 5X Reward Points on Business Essential spends capped at 7,500 RP per statement cycle (excluding wallet load).
• Maximum reward points earnable in a statement cycle for BizBlack Metal Card: 1,50,000.
• Insurance transactions capped at 5,000 RP per month.
• 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.
• SmartBuy flights & hotels redemption capped at 75,000 RP per calendar month.
• Cashback (statement balance) redemption capped at 50,000 RP per calendar month.

Verified · BizBlack Metal Edition Credit Card product page · 2026-08-04 · source

Reward exclusion

Verified · BizBlack Metal Edition Credit Card product page · 2026-08-04 · source

Concierge

24/7 exclusive concierge services on the HDFC Bank Biz Black Credit Card (toll-free 1800 118 887 (India) / Landline 022 42320226; overseas 022-6171 7606).

Verified · harvested from product page · 2026-08-04 · source

Dining benefit

• Save up to 10% on restaurant bill payments via Swiggy Dineout (20,000+ restaurants), inclusive of restaurant and Swiggy discount, on payments done via Swiggy App.
• Club Marriott membership also gives up to 20-25% off on dining.

Verified · harvested from product page · 2026-08-04 · 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 / Landline 022 42320226).
• ₹5 authentication transaction required at the golf course.

Verified · harvested from product page · 2026-08-04 · source

Hotel benefit

Club Marriott Membership (valid 1 year, primary cardholder, with complimentary spouse card): up to 20% off on food & beverage bill (max 10 guests; select hotels 15%), up to 20% off on Best Available Rates on rooms in India and Weekend Rates in Asia Pacific, 20% off on Spa services at select Marriott hotels in India (Mon-Fri), plus two one-time-use certificates (room upgrade; 30% off accommodation).

Verified · BizBlack Metal Edition Credit Card product page · 2026-08-04 · source

Insurance

• Business Insurance package at an annual premium of ₹3,785 (including GST): Fire & burglary insurance for shop up to ₹5 lakh, cash in transit up to ₹25,000, cash in safe up to ₹25,000, electronic equipment (EEI excl terrorism) up to ₹50,000, Hospital Daily Cash (accident & illness) up to ₹1,000/day for up to 30 days.
• Higher cover plans (up to ₹50 lakh fire & burglary) available at higher premiums.
• Zero lost card liability with credit liability cover of ₹9 lakh.

Verified · harvested from product page · 2026-08-04 · source

Statement credit

• Reward Points can be redeemed against the statement balance (Cashback redemption / cash redemption on request) at 1 RP = ₹0.30, minimum 2,500 points.
• Redemption against statement balance capped at 50,000 Reward Points per calendar month.

Verified · BizBlack Metal Edition Credit Card product page · 2026-08-04 · source

Eligibility

• Self-Employed Indian Citizen aged between 21 and 65 years, with Annual ITR above ₹30 lakh.
• Can apply using ITR, GST returns, Bank Statements and Merchant payment report.

Verified · harvested from product page · 2026-08-04 · source

Official terms

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

Verified · BizBlack Metal Edition Credit Card product page · 2026-08-04 · source