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