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HDFC Biz Black Metal Edition Credit Card

(4.6/5)
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HDFC Bank’s Biz Black Metal Edition Credit Card is a super premium credit card for self-employed and business owners. The card comes with very high reward rates and gives best value if reward points are redeemed on travel benefits such as flights and hotel booking, The best part is that this credit card gives very higher reward rate on business expenses such as advance tax payments, GST payments, high utility bills etc. With its special tie-up with business service providers, its brings special deals for self-employed people on travel and business related tools/software services. The card offers premium travel benefits such as unlimited domestic and international lounge access for self and 3 add-off card members. The card comes on Diners Black payment network and is a great card for people who are self-employed and whose annual spend is more than Rs.7.5 Lacs.

Features and Benefits

Features and benefits available in this credit card

Cashback
Reward Points
Airmiles
Airport Lounge
Utility Bills
Insurance
NPS
Education
Government Payment
Fuel
Rent
Giftcards
Jewellery
Wallet Load
Rewards on EMI
Welcome Bonus
Travel
Dining
Shopping
Interest

Joining and Renewal Benefits

Joining Benefits

  • Club Marriott Annual Membership + Taj Stay voucher worth ₹ 5000 on spends of  Rs.1.5 lakhs within first 90 days.

Renewal Benefits

  • No Renewal Benefits

Cashback and Rewards

  • Base Rewards: 1 Reward Points on every Rs.150 Spend = 3.33% Valueback
  • Business Assentials: Get 5 Reward Points on every Rs.150 Spend (=16.66% Valueback) on your following Business spends such as
    • Bill Payment via Payzapp & SmartPay
    • Income Tax/ Advance Tax payment via eportal.incometax.gov.in View steps
    • GST payment via payment.gst.gov.in view steps
    • Hotel & flight booking on MMT MyBiz powered by SmartBuy BizDeals
    • Business Productivity tools like Tally, Office 365, AWS, Google, Credflow, Azure & more via SmartBuy BizDeals – Nuclei
    • Note: 5X Reward Points applicable on minimum spends Rs. 50,000 in statement cycle. 5X Reward Points on Business Essential spends is capped at 7,500 Reward Points per statement cycle.
  • PayZapp: All PayZapp transactions will be eligible for 5X Reward Points except spends on Clubs, Housing, Rent, Hospital, Education, Donation, Mutual funds, Loans, Credit Card payments, Wallet Load, Fastag, Municipal Tax, Municipal services. 
  • SmartBuy: Upto 10 times reward points on spend made on travel and shopping on HDFC Bank’s Smartbuy Portal
    • 50 Reward Points on every Rs.150 Spend on hotel booking, Jockey, Pharmeasy and 3GP.com = 33% Valueback
    • 25 Reward Points on every Rs.150 Spend on Flight tickets, Bus Ticket booking visa RedBus, Nykaa, Myntra, MakeMyTrip Holiday Packages, Zoom Card = 16.66% Valueback
    • 15 Reward Points on every Rs.150 Spend on Train Ticket Booking through IRCTC, Instant Vouchers, Apple Products  = 10% Valueback
    • The bonus points through SmartBuy are capped at 10,000 points per calendar month. No Smartbuy capping on base reward points which is 5 points per Rs.150 spend.
  • Bonus Reward Points Limit: Maximum 75,000 reward points can be earned in a calendar month across categories.
  • Milestone Benefits: Get Flight (through SmartBuy) or Taj Stay Voucher worth Rs. 5000 on every Rs.5 Lakhs spends within a calendar year. (On all retail spends excluding rent and petrol). At the rate of Rs.5,000 voucher per Rs.5 Lacs spend, you can get maximum 4 vouchers for a total spend of Rs.20 Lacs in a calendar year.

Lifestyle Benefits

  • Airport Lounge Access: Unlimited Domestic and International Airport Lounge Access for primary and upto 3 Add-on cad holder. To get free lounge access in any month, there must be at-least 1 transaction of any amount in the previous month.
  • Golf Games: 6 Complimentary golf games per calendar Quarter at leading courses across India and select courses across the world.
  • Concierge Services: Enjoy the exclusive 24/7 Concierge Services on your HDFC Bank Diners Club Black Credit Card. Simply call : toll-free on 1800118887 (India /Landline – 022 42320226
  • Zero Lost Card Liability: In the unfortunate event of losing your HDFC Bank Biz Black Credit Card, on reporting it immediately to Customer Care Toll Free Number: 1800 266 3310, you have zero liability on any fraudulent transactions made on your Credit Card. Maximum credit liability cover of Rs. 9 lakh
  • Secure your Business with specially curated Business Insurance package: Avail Business Insurance package starting at an annual premium of Rs.3,785 including GST which includes:
    • Fire & Burglary insurance for Shop up to Rs. 5 lacs
    • Cash in Safe/Transit up to Rs.25,000
    • Electronic Equipment insurance excluding terrorism up to Rs.50,000
    • Hospital Cash: Accident only amount payable per day up to Rs.1000
    • Hospital Cash: Illness only amount payable per day up to Rs.1000
    • Also, Cardholders have the option to choose higher Business Insurance cover as per their Business need.
    • Higher coverage plans are also available at higher insurance premium.

    Click here to Apply

Insurance Benefits

Zero Lost card liability: In the unfortunate event of losing your HDFC Bank Biz Black Credit Card, on reporting it immediately to Customer Care Toll Free Number: 1800 266 3310, you have zero liability on any fraudulent transactions made on your Credit Card. Maximum credit liability cover of Rs. 9 lakh

Secure your Business with specially curated Business Insurance package: Avail Business Insurance package starting at an annual premium of Rs.3,785 including GST which includes:

  • Fire & Burglary insurance for Shop up to Rs. 5 lacs
  • Cash in Safe/Transit up to Rs.25,000
  • Electronic Equipment insurance excluding terrorism up to Rs.50,000
  • Hospital Cash: Accident only amount payable per day up to Rs.1000
  • Hospital Cash: Illness only amount payable per day up to Rs.1000
  • Also, Cardholders have the option to choose higher Business Insurance cover as per their Business need.
  • Higher coverage plans are also available at higher insurance premium.

Click here to Apply

Global Concierge Service

Enjoy the exclusive 24/7 Concierge Services on your HDFC Bank Diners Club Black Credit Card. Simply call : toll-free on 1800118887 (India /Landline – 022 42320226

Fuel Surcharge Waiver

Fuel surcharge waiver is not available on this credit card.

Forex Mark-up Charges

  • 2.36% Forex mark-up charges including GST on all transactions done in foreign currency.
  • You can activate optional Global Value Program by calling customer care for Foreign Currency Transactions at a fee of Rs.235 per annum including GST. In this program, you get following benefits
    • Joining Benefit: 500 Reward Points on 1st International Transaction after activating the program (only in the 1st year)
    • 1% Real Cashback on International Transactions, upto Rs.1000 per monthly statement cycle (upto Rs.12,000 Cashback per annum). Apart from the above cashback, you also get regular reward points as per the card feature.
    • Rs.2,000 Giftcard on spending Rs.1.5 Lacs in a year. You can choose among Make My Trip or Clear Trip or Yatra or Ease My Trip. This benefit is available every year.

Joining and Renewal Benefits

Joining Benefits

  • Club Marriott Annual Membership + Taj Stay voucher worth ₹ 5000 on spends of  Rs.1.5 lakhs within first 90 days.

Renewal Benefits

  • No Renewal Benefits

Cashback and Rewards

  • Base Rewards: 1 Reward Points on every Rs.150 Spend = 3.33% Valueback
  • Business Assentials: Get 5 Reward Points on every Rs.150 Spend (=16.66% Valueback) on your following Business spends such as
    • Bill Payment via Payzapp & SmartPay
    • Income Tax/ Advance Tax payment via eportal.incometax.gov.in View steps
    • GST payment via payment.gst.gov.in view steps
    • Hotel & flight booking on MMT MyBiz powered by SmartBuy BizDeals
    • Business Productivity tools like Tally, Office 365, AWS, Google, Credflow, Azure & more via SmartBuy BizDeals – Nuclei
    • Note: 5X Reward Points applicable on minimum spends Rs. 50,000 in statement cycle. 5X Reward Points on Business Essential spends is capped at 7,500 Reward Points per statement cycle.
  • PayZapp: All PayZapp transactions will be eligible for 5X Reward Points except spends on Clubs, Housing, Rent, Hospital, Education, Donation, Mutual funds, Loans, Credit Card payments, Wallet Load, Fastag, Municipal Tax, Municipal services. 
  • SmartBuy: Upto 10 times reward points on spend made on travel and shopping on HDFC Bank’s Smartbuy Portal
    • 50 Reward Points on every Rs.150 Spend on hotel booking, Jockey, Pharmeasy and 3GP.com = 33% Valueback
    • 25 Reward Points on every Rs.150 Spend on Flight tickets, Bus Ticket booking visa RedBus, Nykaa, Myntra, MakeMyTrip Holiday Packages, Zoom Card = 16.66% Valueback
    • 15 Reward Points on every Rs.150 Spend on Train Ticket Booking through IRCTC, Instant Vouchers, Apple Products  = 10% Valueback
    • The bonus points through SmartBuy are capped at 10,000 points per calendar month. No Smartbuy capping on base reward points which is 5 points per Rs.150 spend.
  • Bonus Reward Points Limit: Maximum 75,000 reward points can be earned in a calendar month across categories.
  • Milestone Benefits: Get Flight (through SmartBuy) or Taj Stay Voucher worth Rs. 5000 on every Rs.5 Lakhs spends within a calendar year. (On all retail spends excluding rent and petrol). At the rate of Rs.5,000 voucher per Rs.5 Lacs spend, you can get maximum 4 vouchers for a total spend of Rs.20 Lacs in a calendar year.

Lifestyle Benefits

  • Airport Lounge Access: Unlimited Domestic and International Airport Lounge Access for primary and upto 3 Add-on cad holder. To get free lounge access in any month, there must be at-least 1 transaction of any amount in the previous month.
  • Golf Games: 6 Complimentary golf games per calendar Quarter at leading courses across India and select courses across the world.
  • Concierge Services: Enjoy the exclusive 24/7 Concierge Services on your HDFC Bank Diners Club Black Credit Card. Simply call : toll-free on 1800118887 (India /Landline – 022 42320226
  • Zero Lost Card Liability: In the unfortunate event of losing your HDFC Bank Biz Black Credit Card, on reporting it immediately to Customer Care Toll Free Number: 1800 266 3310, you have zero liability on any fraudulent transactions made on your Credit Card. Maximum credit liability cover of Rs. 9 lakh
  • Secure your Business with specially curated Business Insurance package: Avail Business Insurance package starting at an annual premium of Rs.3,785 including GST which includes:
    • Fire & Burglary insurance for Shop up to Rs. 5 lacs
    • Cash in Safe/Transit up to Rs.25,000
    • Electronic Equipment insurance excluding terrorism up to Rs.50,000
    • Hospital Cash: Accident only amount payable per day up to Rs.1000
    • Hospital Cash: Illness only amount payable per day up to Rs.1000
    • Also, Cardholders have the option to choose higher Business Insurance cover as per their Business need.
    • Higher coverage plans are also available at higher insurance premium.

    Click here to Apply

Insurance Benefits

Zero Lost card liability: In the unfortunate event of losing your HDFC Bank Biz Black Credit Card, on reporting it immediately to Customer Care Toll Free Number: 1800 266 3310, you have zero liability on any fraudulent transactions made on your Credit Card. Maximum credit liability cover of Rs. 9 lakh

Secure your Business with specially curated Business Insurance package: Avail Business Insurance package starting at an annual premium of Rs.3,785 including GST which includes:

  • Fire & Burglary insurance for Shop up to Rs. 5 lacs
  • Cash in Safe/Transit up to Rs.25,000
  • Electronic Equipment insurance excluding terrorism up to Rs.50,000
  • Hospital Cash: Accident only amount payable per day up to Rs.1000
  • Hospital Cash: Illness only amount payable per day up to Rs.1000
  • Also, Cardholders have the option to choose higher Business Insurance cover as per their Business need.
  • Higher coverage plans are also available at higher insurance premium.

Click here to Apply

Global Concierge Service

Enjoy the exclusive 24/7 Concierge Services on your HDFC Bank Diners Club Black Credit Card. Simply call : toll-free on 1800118887 (India /Landline – 022 42320226

Fuel Surcharge Waiver

Fuel surcharge waiver is not available on this credit card.

Forex Mark-up Charges

  • 2.36% Forex mark-up charges including GST on all transactions done in foreign currency.
  • You can activate optional Global Value Program by calling customer care for Foreign Currency Transactions at a fee of Rs.235 per annum including GST. In this program, you get following benefits
    • Joining Benefit: 500 Reward Points on 1st International Transaction after activating the program (only in the 1st year)
    • 1% Real Cashback on International Transactions, upto Rs.1000 per monthly statement cycle (upto Rs.12,000 Cashback per annum). Apart from the above cashback, you also get regular reward points as per the card feature.
    • Rs.2,000 Giftcard on spending Rs.1.5 Lacs in a year. You can choose among Make My Trip or Clear Trip or Yatra or Ease My Trip. This benefit is available every year.

Reward Redemption

Reward Points can be redeemed for:

  • Flight and Hotel Bookings via HDFC Bank’s Smartbuy portal (https://offers.smartbuy.hdfcbank.com) at a value of 1 Reward Point = Rs 1
    • Maximum 70% of the payment can be done using reward points for flight and hotel booking. Rest of the payment needs to be made using Infinia credit card.
    • On HDFC SmartBuy, Goibibo, Yatra, ClearTrip and easeMytrip are available as options to book flight. Hotel booking on HDFC SmartBuy is done through MakeMyTrip and ClearTrip.
    • Redemption of Reward Points for flights & hotel bookings and against airmiles transfer on Smartbuy portal is capped at 75,000 Reward Points per calendar month.
  • Airmiles conversion through netbanking at following rate
    • 1 Reward Point = 0.5 Airmile or Hotel Point for Qatar Airways, Club ITC, Air Canada’s Aeroplan, Accor ALL, Avianca Lifemiles, British Airways Executive Club, Etihad Guest, Turkish Airlines Miles & Smiles, United Mileage Plus
    • 1 Reward Point = 1 Airmile or Hotel Point for Spicejet’s Spice Club, Air Asia Rewards, Finnair Plus, Fir France’s Flying Blue, Hainan Airlines Fortune Wings Club, IHG Hotel’s One Club, Vietnam Airlines Lotusmiles, Wyndham Rewards
  • Products and Vouchers via Netbanking or SmartBuy at a value of 1 Reward Point = upto Rs 0.50
  • Cashback at a value of 1 Reward Point = Rs 0.30
    • Redemption of Reward Points against statement balance (cashback redemption) is capped at 50,000 Reward Points per calendar month.
  • Reward Points are valid for 3 years from the date the points are credited.

A minimum of 2500 RP is needed to redeem Reward Points against statement balance.

Fee and Charges

Think of these as small investments to keep your credit card running smoothly.

Joining fee
(INR including GST)
₹ 11800
Renewal fee
(INR including GST)
₹ 11800
Annual Spend Target
for Renewal Fee Waiver (INR)
₹ 750000

Pros

Aspects that make this credit card amazing.

  • Very high reward rate of wide range of spend which goes upto 33%
  • One of the very few credit card which gives rewards on business payments like GST, Advance Tax etc. and that also at a very high rate of 16.66%
  • Significant discounts of business related softwares, tools and services.
  • Relatively easy redemption options at flat rate of Rs.1 per reward points across flights and hotels through SmartBuy.
  • One of the best lifestyle benefits such as airport lounge program, golf program, dining discount on DineOut etc.
  • High class customer service, a dedicated customer care number which directly picks-up your call without long IVR navigation
  • Considering the target audience for this card, renewal fee waiver criteria of Rs.5 lacs per annum is achievable for the most users (specially if this is their primary credit card)

Cons

Aspects this credit card lacks.

  • Joining benefit doesn’t not fully recover the Joining Fee. Further, there is no benefits against renewal fee payments. But it may not bother much to people who can spend Rs.7.5 Lacs in year.
  • Earlier, there used to be acceptance issue with Diners Blub credit cards in India. However, over the last few years, acceptance has increased a lot and you will hardly find any merchant who accepts Visa credit card but not Diners Club cards in India. So, acceptance is no more a problem with this credit card.

Spend Categories with No Cashback / Rewards

No reward points on following

  • Fuel
  • e-wallet load
  • While merchant EMIs (Principal amount) is eligible for reward points, HDFC Bank’s EasyEMI and HDFC Bank’s SmartEMI do not earn any reward points.
  • Education
  • Rental pay transactions
  • Property management services like rent, maintenance, packers &movers, etc
  • On Insurance transaction, a maximum cap of 5,000 reward points per day. It means, reward points are earned on insurance premium payment only on first Rs.1.5 Lacs in a day.
  • Maximum 2,000 Reward Points per month on utility bills. It means, maximum spend upto Rs.60,000 on utility bills per month will be eligible for reward points. 1% fee is levied on entire transaction of Utility spend if its more than Rs.75,000 per transaction.
  • Maximum 2,000 Reward Points per month on Telecom and Cable services. It means, maximum spend upto Rs.60,000 on Telecom and Cable services per month will be eligible for reward points.
  • Maximum 2,000 Reward Points per month on Grocery. It means, maximum spend upto Rs.60,000 on Grocery per month will be eligible for reward points.
  • On all rent payment transactions, a fee of 1% of the total transaction amount (maximum Rs.3,000 per transaction) is levied.
  • 1% fee is applicable on education transactions made through third-party apps (but not limited to ) such as CRED, PhonePe, Cheq, MobiKwik, and others. Fee will be capped at Rs. 3,000 per transaction. Education transactions made directly through college/school websites or through POS machines at their premises will not be charged. International education transactions will not be charged.
  • You can redeem maximum 75,000 reward points per calendar month on flight and hotel booking.
  • You can redeem maximum 50,000 reward points per calendar month as real cashback in credit card statement.
  • Reward Points expire after 3 years from the date of accumulation

Add-on Cards

Upto 3 Complimentary Add-on credit cards available

Eligibility Criteria

HDFC Bank Biz Black Credit Card Eligibility :

  • A Self Employed Indian Citizen aged between 21 yrs. to 65 Yrs.
  • Annual ITR above Rs 30 Lakhs

(Customers can apply credit card using ITR, GST returns)

Important Links

Upcoming Changes

N/A

Rating & Leave your comment here about this credit card

Rating & Leave your comment here about this credit card

(4.6/5)

SpendWisely’s Rating for this Credit Card

(4.6/5)

Ratings you can trust: honest, unbiased, and backed by SpendWisely’s expertise.

Reward Value
(5)
Lifestyle Benefits
(5)
Ease of Reward Redemption
(4)
Value for Money
(4)
Customer Service
(5)

HDFC Bank’s Biz Black Metal Credit Card is one of the most unique offering curated for self-employed and business owners. As most of the other credit cards have stopped given any rewards on business expenses such as tax payments, GSAT, insurance, utility bill payments etc., this is a card which gives accelerated rewards on these category. Thus makes this ideal choice for self-employed and business owners. In addition to it, this card gives all major benefits of HDFC Diners Black Credit Card.

Overall, high reward rates on both business expenses and retail expenses coupled with premium travel and lifestyle benefit, makes this card ideal choice for elf-employed and business owners.

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The content provided on this website is for informational purposes only and should not be construed as financial advice. We are not financial advisors, and the information presented here does not constitute professional financial advice, legal advice, or any other type of advice.

We endeavour to present the most accurate information possible. However, features and benefits of credit cards and other financial products may undergo changes over time. Despite our best efforts, the information provided on this website may become outdated.

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