Explore Benefits of HDFC BankBiz BlackCredit Card

HDFC Bank

Explore Biz Black Credit Card

Basic Information

Welcome Benefits Club Marriott Membership + Taj Stay Voucher worth ₹5,000 on spending ₹1.5 lakh within 90 days of card issuance

Card Details Card Name: HDFC Bank BizBlack Metal Edition Credit Card; Bank Name: HDFC Bank; Card Type: Business Credit Card; Network Variant: Metal Edition

Card Category Premium

Payment Network diners_club

Eligibility Employment Type: Business / Self-Employed

Rewards Program

Reward Points Reward Rate: 5 Reward Points per ₹150 on eligible spends; Accelerated Earn: 5X Reward Points on eligible business spends above ₹50,000 per statement cycle, capped at 7,500 RP per statement cycle; Reward Expiry: —; Core Earn Exclusions: Petrol, Wallet, Rent, Education and EMI spends do not earn core reward points; Accelerated Categories: Telecom & Utility via SmartPay/PayZapp; Income Tax / Advance Tax; GST; MMT MyBiz hotel & flight bookings; Tally, Office 365, AWS, Google, Credflow, Azure and other business productivity tools via SmartBuy BizDeals

Redemption Reward Redemption Options: Flights, Hotels and Statement Balance; Statement Balance Redemption Cap: 50,000 Reward Points per calendar month; Flight & Hotel Redemption Cap: 75,000 Reward Points per calendar month on SmartBuy

Milestone Rewards Milestone Benefit: Flight Voucher or Taj Stay Voucher worth ₹5,000 on every ₹5 lakh spend; Annual Spend Benefit: Up to ₹20,000 vouchers on ₹20 lakh calendar-year spend

Travel Benefits

Airport Lounge Domestic Airport Lounge: Unlimited complimentary access; International Airport Lounge: Unlimited access to 1,000+ lounges globally; Lounge Spend Condition: Card must be active

Travel Offers Travel Booking Offers: Hotel & flight booking benefits through MMT MyBiz powered by SmartBuy BizDeals

Fuel Benefits

Fuel Savings Fuel Transaction Fee: 1% on fuel spends above ₹30,000 per transaction, capped at ₹3,000 per transaction

Dining & Entertainment

Dining Dining Rewards: Fine Dining Experiences

Lifestyle Benefits

Golf Golf Games: Complimentary 6 golf games per quarter

Concierge Concierge Service: Complimentary 24/7 exclusive Concierge Services; Concierge Contact: Toll-free 1800 118 887; Landline 022 42320226; Overseas assistance: 022-6171 7606

Luxury Services Premium Experiences: Luxurious Spa Experiences

Wellness Spa Benefits: Complimentary Luxurious Spa Experiences

Daily Spending Benefits

Utility Bills 5X Reward Points on eligible SmartPay & PayZapp utility payments above ₹50,000 per statement cycle; Eligible Categories: Electricity, Gas and Water; Utility Transaction Fee: 1% on utility spends above ₹75,000 per transaction, capped at ₹3,000 per transaction

Insurance Payments Insurance Reward Cap: Maximum 5,000 Reward Points per month on insurance transactions

Education Education Transaction Fee: 1% on third-party app education payments; direct school/college website or POS payments are exempt

Add-on Features

EMI Features EMI Conversion: SmartEMI; Smart EMI: Available

Fees & Charges

Annual Charges Annual Fee: ₹10,000 + applicable taxes; Annual Fee Waiver: On annual spends of ₹7.5 lakh

EMI Charges EMI Facility: SmartEMI

Other Charges Rent Transaction Fee: 1% of transaction amount, capped at ₹3,000 per transaction

Performance & Ratings

Best Usage Best For: Business Expenses, Tax Payments, GST Payments, Travel, Luxury Benefits, Rewards

Advantages Pros: High reward potential on business spends; ₹5,000 welcome voucher; milestone vouchers up to ₹20,000; unlimited global lounge access; 6 golf games per quarter; 24/7 concierge; complimentary fine dining and spa experiences

Limitations Cons: ₹10,000 annual fee; annual fee waiver requires ₹7.5 lakh spend; accelerated rewards capped at 7,500 RP per statement cycle; eligible spend exclusions apply

Instant Check Eligibility | Biz Black Credit Card

Instant Check Eligibility

Frequently Asked Questions About Biz Black Credit Card

What is the HDFC Bank Biz Black Credit Card and what are its key business benefits?

The HDFC Bank Biz Black Metal Edition Credit Card is a premium business credit card designed for self-employed individuals and business owners. It offers reward points on regular purchases, accelerated rewards on selected business expenses, airport lounge access, golf privileges, business travel benefits and exclusive lifestyle offers. It also helps businesses manage eligible tax payments, utility bills and operational expenses more efficiently.

What is the eligibility criteria for HDFC Bank Biz Black Credit Card in India?

To apply for the HDFC Bank Biz Black Credit Card, applicants generally need to meet the following eligibility requirements:
Applicant must be an Indian citizen.
Applicant must be self-employed.
Minimum age should be 21 years.
Maximum age should be 65 years.
Annual Income Tax Return (ITR) should be above ₹30 lakh, subject to the bank's applicable eligibility conditions.
Final approval depends on HDFC Bank's internal assessment, financial profile and verification requirements.

How can I apply for HDFC Bank Biz Black Credit Card online?

You can apply for the HDFC Bank Biz Black Credit Card through the official HDFC Bank website or an authorised application channel. The online process generally involves entering your mobile number, date of birth or PAN details, verifying your information and submitting the application. Depending on your profile, the bank may request additional financial documents or Video KYC before processing your application.

What is the joining fee and annual renewal fee of HDFC Bank Biz Black Credit Card?

The HDFC Bank Biz Black Metal Edition Credit Card carries a joining fee of ₹10,000 plus applicable taxes and an annual renewal fee of ₹10,000 plus applicable taxes. However, eligible new cardholders can get the first-year joining fee waived by spending ₹1.5 lakh within the first 90 days. The renewal fee can also be waived by spending ₹7.5 lakh during the anniversary year, subject to the bank's terms and conditions.

How many reward points can I earn on HDFC Bank Biz Black Credit Card purchases?

HDFC Bank Biz Black Credit Card offers 5 Reward Points on every ₹150 spent on eligible transactions. Cardholders can also earn 5X Reward Points on selected business expenses, including GST payments, income tax payments, eligible bill payments, business software purchases and selected travel bookings. Accelerated rewards are subject to qualifying spend requirements and applicable exclusions.

Does HDFC Bank Biz Black Credit Card offer 5X reward points on GST and income tax payments?

Yes, the HDFC Bank Biz Black Credit Card offers 5X Reward Points on eligible GST, income tax and advance tax payments through specified payment channels. Eligible accelerated reward transactions require a minimum spend of ₹50,000 in a statement cycle and are subject to a maximum of 7,500 accelerated Reward Points per cycle. Applicable transaction conditions and exclusions should be checked before making payments.

What are the airport lounge access benefits of HDFC Bank Biz Black Credit Card?

The HDFC Bank Biz Black Credit Card offers unlimited access to more than 1,000 domestic and international airport lounges for eligible primary and add-on cardholders. To enjoy the lounge facility, the cardholder must meet the bank's active cardholder requirements. As per the current terms, at least one online or in-store transaction in the previous month is required to qualify for unlimited lounge access in the current month.

What welcome benefits and milestone rewards are available on HDFC Bank Biz Black Credit Card?

HDFC Bank Biz Black Credit Card provides welcome and milestone benefits for eligible cardholders. New eligible cardholders can receive an All Accor+ Explorer Membership after spending ₹1.5 lakh within the first 90 days of card issuance, for cards set up from 15 September 2026. Additionally, cardholders can earn a ₹5,000 SmartBuy Flight or Taj Stay voucher on every ₹5 lakh of eligible spending and vouchers worth up to ₹20,000 on ₹20 lakh annual spending, subject to applicable conditions.

Can I use HDFC Bank Biz Black Credit Card for international transactions and business travel?

Yes, the HDFC Bank Biz Black Credit Card can be used for eligible international transactions and business travel expenses. It offers international airport lounge access, hotel and flight booking benefits, concierge assistance and selected business travel offers through SmartBuy BizDeals and MMT MyBiz. The foreign currency markup fee is 2% of the transaction amount, plus applicable taxes.

What documents are required to apply for HDFC Bank Biz Black Credit Card?

Applicants may need to provide financial and business-related documents to support their HDFC Bank Biz Black Credit Card application. Commonly required documents include:
PAN Card and identity verification details.
Income Tax Return (ITR) documents.
GST registration and GST returns, wherever applicable.
Recent bank statements.
Merchant payment reports, if applicable.
The bank may request additional documents depending on the applicant's business profile and financial eligibility.

How can I check HDFC Bank Biz Black Credit Card application status and manage my card?

After submitting your HDFC Bank Biz Black Credit Card application, you can check its status through the bank's available application tracking channels. Once approved and issued, you can manage your credit card through HDFC Bank MyCards, Mobile Banking or NetBanking. These services allow you to check transactions, outstanding balances, payment due dates, reward points and statements, as well as control online and contactless transactions.